Day: January 26, 2025

 

 

 

• Gradual Decline Expected: Experts from various financial institutions predict a gradual decline in mortgage rates throughout 2025. Fannie Mae forecasts rates to close at around 6.5% by the end of 2025, suggesting a slow but steady decrease.

• Economic Factors at Play: The Federal Reserve’s approach to interest rate adjustments plays a pivotal role. If economic growth remains steady without significant inflationary pressure, we might see rates dipping into the mid-6% range by year’s end. However, unexpected spikes in inflation or economic downturns could alter this trajectory.

• Impact of New Administration: With a new presidential administration, policies could shift, potentially affecting mortgage rates. Analysts are watching the economic policies closely, as proposed tax cuts or tariffs could influence inflation and, in turn, interest rates.

 

• Local Expertise: Our team has deep insights into the Hawaiian market, understanding local nuances that can affect your mortgage.
• Personalized Service: We tailor our advice based on your personal financial situation, goals, and the latest market trends to secure exceptional rates.
• Proactive Strategy: We keep you informed with real-time updates on rate changes, helping you decide the best time to lock in or refinance.

Contact our team of local experts at C2 Hawaii to explore your options today: Contact Us

 

• Fixed Rate Jumbo Loans: Enjoy the peace of mind that comes with a consistent interest rate throughout the life of your loan. Ideal for those who value predictability in their monthly housing expenses and plan to keep the property long term.
• Adjustable-Rate Mortgage (ARM) Products: Perfect for those who anticipate owning for only several year or expect to refinance within a few years. Our Jumbo ARMs offer competitive rates fixed for 3-5 years and then adjust annually on the loan anniversary date.

 

 

• Primary Residence: Secure your forever home in paradise.
• Second Home: Invest in your weekend getaway or vacation property.
• Investor Occupancy: Enhance your real estate portfolio with ease.

 

 

• Rate/Term Refinance: Lower your interest rate or change your loan term to better suit your financial goals.
• Cash-Out Refinance: Leverage the equity in your home to fund renovations, consolidate debt, or for other financial needs.

 

• Expert Local Knowledge: Our team understands the unique aspects of the Hawaiian real estate market.
• Personalized Service: From application to closing, we provide a seamless, personalized experience.
• Wide Network: As Hawaii’s full-service mortgage broker, we have connections with numerous lenders to find the best deal for you.

 

 

 

• No Down Payment: One of the most significant barriers to homeownership is the down payment. With C2 Hawaii’s USDA loans, you can finance your home purchase with 100% financing, meaning you don’t need to save up for a down payment.
• Eligible Areas: These loans are available for properties in designated rural and suburban areas. Check if your dream location in Hawaii qualifies through our easy-to-use eligibility tool: Click here
• 30-Year Fixed Rate: Enjoy the stability of a fixed interest rate for 30 years, which means your monthly payments remain predictable, regardless of market fluctuations.
• Guarantee Fee: The USDA requires a one-time guarantee fee which can be rolled into your loan amount, thus not requiring any upfront payment from you.
• Income Limits: To ensure that this program benefits those who need it most, there are income caps based on your area. C2 Hawaii can guide you through these specifics to see if you’re eligible.
• Primary Residence: These loans are for those looking to make a property their primary home, fostering community stability.

 

 

• Local Expertise: Our team has deep insights into the Hawaiian real estate market, ensuring you get the most relevant advice tailored to your situation.
• Personalized Service: From application to closing, we provide one-on-one guidance, making the process as smooth and stress-free as possible.
• Quick Approvals: We understand the urgency of buying your home. Our streamlined processes mean quicker approvals, helping you move into your new home faster.

 

1. Check Property Eligibility: Click here
2. Check Income Limits: Click Here
3. Pre-Approval: Get pre-approved to know exactly how much home you can afford, strengthening your position when making an offer: Contact Us
4. Application: With our assistance, navigate through the application process, ensuring all your documents are in order.
5. Closing: We’ll handle all the details, guiding you right through to closing day.

 

 

 

 

 

 

 

• Fixed Rate Loans: Enjoy the stability of predictable payments over the life of your loan.
• Adjustable Rate Mortgages (ARMs): Benefit from potentially lower initial interest rates if you’re planning for short-term ownership or anticipate refinancing in the near future.

 

• Expert Guidance: Our team of seasoned mortgage brokers understands the unique real estate market of Hawaii. We guide you through each step, ensuring you make informed decisions.
• Local Knowledge: Being based in Hawaii, we have an intimate understanding of local property values and trends, which benefits your loan approval and terms.
• Customer-Centric Approach: We tailor our services to fit your financial situation, making the home buying process as stress-free as possible.
• Fast Approval Process: We strive for efficiency, understanding that timing can be crucial in the real estate market.

 

 

Get Started:

• Consultation: Contact us for a personalized consultation to discuss your goals: Contact Us
• Application: Begin your application process with ease, backed by our expert support.
• Approval: Experience a swift approval process with our streamlined procedures.

Contact our team of local experts at C2 Hawaii to explore your options today: Contact Us

 

 

• You haven’t owned a principal residence in the last 3 years.
• Your income is less than 80% of your county’s median income.

 

 

• Low Down Payment: With as little as 3% down, you can start your homeownership journey. This low entry point reduces the barrier to owning a home, making it more achievable than ever.
• Improved Rate Pricing: Benefit from our competitive interest rates that help keep your monthly payments manageable. At C2 Hawaii, we work to secure premium rates to fit your budget.
• Primary Residence Only: This loan is specifically for those looking to buy their primary home.
• Income Limitations: To maintain fairness and accessibility, first time home buyer loans have income caps at 80% of the County Median Income. This aligns with:
  • Fannie Mae Home Ready Income Limits
  • Freddie Mac Home Possible Income Limits

 

 

• Expert Guidance: Our team at C2 Hawaii understands the unique challenges and opportunities of the Hawaiian housing market. We guide you through every step, from application to closing, ensuring you feel supported and informed.
• Local Expertise: Based in Hawaii, we have a deep understanding of local real estate trends, lending practices, and community resources, making us your ideal partner in navigating the home buying process.
• Community Commitment: We are not just about transactions; we’re about building communities. By helping first-time buyers, we contribute to the growth and stability of neighborhoods across the islands.

 

 

 

1. Check Your Eligibility: Determine if you meet our income and homeownership criteria.
2. Explore Your Loan Options with one of our experienced loan officer: Contact Us

 

 

 

 

• Fixed Rate Loans: Choose from 30, 25, 20, 15, or 10-year terms. Lock in your rate and enjoy predictable monthly payments.
• Adjustable Rate Mortgages (ARMs): Options include 3-year, 5-year, 7-year, and 10-year ARMs, offering lower initial rates for those who plan to own short term or refinance in the near future.

 

 

 

• Primary Residence: Make your home in Hawaii.
• Second Home: Escape to your own slice of paradise.
• Investor Occupancy: Capitalize on Hawaii’s real estate market.

 

 

• Local Expertise: We know the ins and outs of the Hawaiian real estate market, offering insights that only locals can provide.
• Customer-Centric Service: Our team at C2 Hawaii prides itself on personalized service. We guide you through each step, ensuring you understand your options and make the best choice for your financial future.
• Transparent Process: No hidden fees or surprises. We believe in clear, upfront communication about costs and terms.