Our Products

Conventional

  • As little as 3% down
  • Lender paid mortgage insurance available
  • Fixed rate terms: 30, 25, 20, 15, and 10 year loans
  • 3yr, 5yr, 7yr, and 10yr ARMS
  • Conforming up to $822,375 (Honolulu County)
  • Primary residence / Second Home / Investor
  • Refinances: rate/term or cashout

Jumbo

  • Fixed rate and ARM products
  • Recently moved from W-2 to 1099 is OK
  • Primary residence / Second Home / Investor
  • Loans up to $5,000,000 and higher

FHA

  • As little as 3.5% down
  • FHA to FHA streamline refinance
  • Easier credit criteria allowing scores as low as 500
  • FHA 203k rehab loans for homes that need a little TLC
  • Fixed and ARM products available

VA

  • $0 Down NO Loan Limit
  • NO cash to close option
  • No Mortgage Insurance
  • VA to VA Streamline refinance with no appraisal or out of pocket expense
  • 100% Cash-out refinance (cash can be used for any purpose)
  • Jumbo VA loans $3,000,000 and higher
  • Primary Residence (streamline does not have to be owner occupied)
  • Condo must be VA approved
  • Easier credit criteria allowing scores as low as 500

Portfolio

  • High end Condotels
  • Cross collateralization
  • Pledged assets for down payment up to 90% loan to value
  • Low owner occupancy buildings
  • Loans up to $10,000,000 and higher
  • Interest only
  • Fixed rate and ARM products available
  • Primary residence / Second Home / Investor
  • Foreign nationals
  • Exception based lending

Reverse Mortgages (HECM)

  • All borrower must be 62 year old or older
  • No monthly payment
  • You still own your home
  • Use equity cash for any purpose
  • Purchase a property with a HECM reverse mortgage
  • Children have the option to keep / sell / or let go of the home when you pass
  • Primary residence only

USDA

Home Equity Line of Credit

  • Low introductory rate
  • Lines up to $1,000,000
  • No appraisal for lines under $250,000

Land Loans

  • As little as 30% down
  • 30% down for Agricultural-zoned
  • 3 Year terms with 30 year payment

Construction

  • 100% financing if you own the land outright
  • 12-18 months to complete
  • construction
  • Cross collateralize other property

Commercial

  • Apartment building loans
  • Industrial
  • Office
  • Retail
  • Land

Private Money

  • Quick closings in as little as 5 days
  • 30% or more down for purchases
  • Cross collateralize other properties
  • Loan amounts $10,000,000 and higher
  • Refinance a property listed for sale

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