TEL 808-373-6691
TEL 808-373-6691
Get the guidance you need!
Fixed Rate Mortgages - Fannie, Freddie - Conventional
CONV 30 YR Fixed: *5.500% @ .7890 Points (APR 5.61%)
Monthly Payment: $5.68 per $1000 borrowed
CONV 30 YR Fixed: *5.625% @ .4120 Points (APR 5.70%)
Monthly Payment: $5.76 per $1000 borrowed
CONV 15 YR Fixed: *4.625% @ .8870 Points (APR 4.82%)
Monthly Payment: $7.72 per $1000 borrowed
CONV 15 YR Fixed: *4.750% @ .5190 Points (APR 4.89%)
Monthly Payment: $7.78 per $1000 borrowed
Government backed Mortgages - FHA, VA, USDA
FHA 30 YR Fixed: *4.875% @ 1.014 Points (APR 5.70%)
Monthly Payment: $5.74 per $1000 borrowed
FHA 30 YR Fixed: *4.990% @ .6100 Points (APR 5.78%)
Monthly Payment: $5.81 per $1000 borrowed
(FHA APR based on a sample purchase price of $500,000, with a base loan amount of $482,500, with the required 3.5% down-payment. The true amount of the loan financing will be $490,943, after addition of the FHA Required Upfront Mortgage Insurance Premium of 1.75% of the base loan amount $8443.75, financed, and added into the initial base loan amount. The FHA APR reflects this UFMIP and the required Annual FHA ongoing Mortgage Insurance. Total Monthly payments will decrease after the first year, as borrower pays loan to term. The FHA Annual Mortgage Insurance rate of .55% is calculated from the current and future outstanding loan balances. Every year, at the beginning of every annual billing period, FHA will re-calculate the Annual Mortgage Insurance due for that year, based upon the then, current outstanding loan balance. As the borrower pays Principal Balance down, with continuing payments, the future Annual Mortgage Insurance dues will decrease, so, total monthly payments will also decrease.)
VA 30 YR Fixed: *4.875% @ .8450 Points (APR 5.16%)
Monthly Payment: $5.29 per $1000 borrowed
VA 30 YR Fixed: *4.990% @ .4500 Points (APR 5.24%)
Monthly Payment: $5.36 per $1000 borrowed
(VA APR based on a sample purchase price of $500,000, with a base loan amount of $500,000, with NO down payment required. The true amount of the loan financing will be $510,750, after addition of the VA Required Upfront VA Funding Fee of 2.15% of the base loan amount, $10750, added and financed into the base loan amount. The VA APR also accounts for this required Upfront VA Funding Fee. VA loans have NO additional annual dues.)
USDA 30 YR Fixed: *5.000% @ 1.306 Points (APR 5.59%)
Monthly Payment: $5.69 per $1000 borrowed
USDA 30 YR Fixed: *5.125% @ .7310 Points (APR 5.66%)
Monthly Payment: $5.77 per $1000 borrowed
(USDA APR based on a sample purchase price of $500,000, with a base loan amount of $500,000, with NO down payment required. The true amount of the loan financing will be $505,050.51, after addition of the USDA Required Upfront USDA Guarantee Fee of 1.00% of the base loan amount $5050.51, financed, and added into the initial base loan amount. The USDA APR reflects this Upfront Guarantee Fee and the required Annual ongoing Annual USDA Maintenance fee of .35% of the total amount borrowed. Unlike FHA loans, the Annual USDA Maintenance rate is based upon .35% of the original financed loan amount. The annual USDA Maintenance Rate does NOT change yearly, in the future, and is constant, regardless of a decrease in the future outstanding loan balance.)
* Above published rates assume a Purchase or a Rate/Term Refinance only Transaction, Primary Residence, and a Single-Family Residence Property Type.
* Understanding Loan Origination Fee, Points (Pt):
Examples:
Cash-out refinances available for all our loan programs listed above, with pricing adjustments. Inquire for our many other loan scenarios. If you can't get approved with us for a Home Loan, you can't anywhere. It's really, that simple.
Experience Matters! With the Principal Broker having over 25 years of experience in Brokerage Mortgage Lending, you can rest assure, for each unique individual borrower, whether it's a Conventional Loan, an ALT-A, or other portfolio type of Home Loan you are seeking, we seek to find the best possible loan program, and rate, you may qualify for. Experience has guided us to partner with some of the largest, most reputable, most efficient, Conventional Wholesale Mortgage Lenders in the nation, with the most competitive rates available on the market. And since we are local, and smaller, thus, more manageable, we can better control and reduce our Company Overhead Expenses and, pass these savings on to our borrowers. We do not have "set in stone"
profit requirements, like larger companies do,
for each loan, so, we can be more flexible in our
offering pricing, to ensure, our borrowers are getting the most competitive rates available. Our goal: is to be the most Competitively priced Home Mortgage Lender in Hawaii. But, just because we are a small local business, does not mean we have, small functionality; we have all the functionality and resources of the largest companies originating home loans. In addition, we only partner with the best, most reputable, most competitively priced, Wholesale Mortgage Lenders in the nation, allowing us to use their full lending resources. Give us a call, we will be more than happy to quote, and share our rates with you on any given day, on any particular loan program you are seeking. We know what we are doing, because, Experience Matters!
Apply online by scanning the QR Code or by clicking the button below.
Monday - Friday: 9am - 5pm
Saturday: By appointment
Sunday: By appointment
Copyright © 2024 honolululendingcompany.com - All Rights Reserved.
Powered by GoDaddy
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.