When this borrower set out to achieve homeownership in Hawaii, they faced a hurdle common to many local workers: inconsistent income. Despite his service and eligibility for a VA loan, two major local banks turned him down, unable to navigate the complexities of his pay structure.
That’s when he called Royce Gist at C2 Hawaii.
The Challenge: Overcoming “Inconsistent Income” Red Tape
Many traditional lenders use rigid “overlays”—internal rules that are often stricter than actual VA guidelines. For borrowers with non-traditional income or inconsistent pay cycles, these rules can result in an automatic denial.
The borrower had been “ghosted” and refused by other mortgage brokers who simply wouldn’t put in the work to understand his financial picture. Royce Gist took a different approach. He spent weeks diving into the file, documenting the income correctly, and leveraging C2 Hawaii’s access to wholesale lenders who understand the nuances of the Hawaii workforce.
The Solution: A Low Fixed Rate and a Proven Strategy
While other lenders were saying “no,” Royce was finding a way to say “yes.”
- The Result: Royce locked in a low fixed rate for 30 years—a rate significantly lower than the market average for many borrowers in similar situations.
- The Location: The borrower is now a homeowner in Waikiki, enjoying beautiful views and owning his own piece of paradise.
“All other mortgage brokers ghosted us… Then we called C2 Hawaii. Royce Gist took the time to work with us step by step and helped us get some of the best rates possible.” — 5-Star Google Review from the borrower
Why This Success Story Matters for YOU
If you have been told “no” by a big bank or feel like your income situation is too complicated for a standard mortgage, you need a specialist like Royce Gist.
- VA Loan Experts: We specialize in maximizing VA benefits for Hawaii veterans, even when other banks claim you don’t qualify.
- No “Ghosting” Policy: We pride ourselves on communication. If there is a way to get your deal done, Royce and the C2 team will find it.
- Local Knowledge, National Strength: Royce combines on-the-ground Hawaii expertise with the massive lending power of C2 Financial, the nation’s #1 mortgage brokerage.
Stop settling for a “no.” Whether you are looking in Waikiki, Ewa Beach, or anywhere across the islands, let Royce Gist show you the path to homeownership.
