VA Loans

Today's VA Rate as of

VA 30 Year Fixed

Interest Rate

APR

VA Jumbo 30 Year Fixed

Interest Rate

APR

*Above rates are quoted NO POINTS, Based on 780 credit score, purchase loan, loan amount < $1,149,826 for VA 30 Year Fixed, and > 1,149,825 for VA Jumbo 30 Year Fixed  

30 Year Fixed

Interest Rate

2.625 %

APR

2.66 %

VA 30 Year Fixed

Interest Rate

2.250 %

APR

2.375 %

5 Year ARM

Interest Rate

2.875 %

APR

2.91 %

Jumbo 30 Year Fixed

Interest Rate

2.875 %

APR

2.91 %

Plan for Success!

OUR Proven Process

The VA Home Loan stands out as one of the premier mortgage products available, and at C2 Hawaii, we specialize in ensuring a seamless experience. As a trusted Hawaii VA mortgage broker, our VA loan rates are typically 1/2% lower than those offered by most mortgage banks in Hawaii. This means potential savings of up to $10,000 in fees for every $500,000 borrowed.

Our refined process, honed over 9 years of successful VA loan closings, is designed for your ease and convenience:

  1. Initial consultation with a Loan Officer (not required)
  2. Complete our user-friendly Online Application
  3. Thorough analysis by our Loan Officer of your income, assets, and VA eligibility for potential fee exemptions or discounts
  4. Utilization of cutting-edge software to compare VA rates from multiple wholesale lenders
  5. Loan Officer provides your maximum qualified loan amount, example scenarios, and pre-approval letters
  6. Our elite processing team takes over to expedite your loan
  7. Receipt of lender disclosures and submission of any additional required documents
  8. Appraisal report and closing disclosure are promptly obtained
  9. Signing of loan documents, either at escrow or with a mobile notary

At C2 Hawaii, we are committed to delivering the best VA loan experience, saving you time and money while providing top-notch service.

Benefits of a VA Loan

  • 100% Financing
  • No VA Loan Limit
  • $0 Cash to close option
  • No Mortgage insurance
  • Lower interest rates
  • Easier to income qualify
  • More lenient credit requirements (allowing scores as low as 580)

VA Loan Funding Fee

The VA funding fee, a charge by the VA to finance its home loan program, can be financed into the loan amount. Detailed VA funding fee rate charts display the various fees applicable.

The VA funding fee rate charts illustrate all the various funding fees.

Applying for VA disability before loan closing is crucial. Approval for 10% or more disability exempts you from the funding fee, potentially resulting in a waiver or refund.

Veterans currently receiving 10% or more in VA disability benefits are also exempt from the funding fee.

Ensure a smooth process and potential savings by understanding the VA funding fee and its exemptions.

Refinancing

Unlock the benefits of VA loan refinancing with our streamlined process:

  • Streamline Refinance: Refinance your VA loan without the need for appraisal, income, or asset documents. Just ensure no 30-day late payments in the last 12 months. Enjoy no cash to close and the option to skip up to 2 months’ payments.

  • Cash-out Refinances: Tap into your home’s equity with up to 90% loan-to-value cash-out refinancing, usable for any purpose. In certain cases, circumstances may allow for 100% loan-to-value.

With C2 Hawaii, refinancing your VA loan is hassle-free and rewarding.


C2 Financial Corporation is approved to originate VA and FHA loans, and has the ability to broker such loans to VA and FHA approved lenders.
C2 Financial Corporation is not acting on behalf of or at the direction of HUD/FHA or the VA.