Aloha! I'm your go-to mortgage lending buddy with a decade-long track record of helping families make their homeownership dreams a reality. As someone who was born and raised in Hawaii, I have a deep connection to the islands and am enthusiastic about showing my fellow islanders that owning a home in paradise is not only possible, but also a delightful experience.
Everyone's journey is unique, and I genuinely enjoy guiding families through customized solutions that fit their needs. There's nothing quite like the feeling of accomplishment and relief as they check off this major life milestone. Our team's dedication to speed and efficiency means you'll benefit from same-day preapprovals as well as same-day, fully underwritten approvals once in escrow, making the entire process a breeze.
But our partnership goes beyond just sealing the deal. I'll be your long-term mortgage companion, keeping an eye on your investment and looking for ways to minimize your payments and tap into your home equity to achieve other goals, like home renovations or debt reduction.
With me on your team, you'll feel like you have a friend in the business, guiding you through options and helping you make informed decisions every step of the way. When I'm not working my mortgage magic, you can find me spending quality time with my family, leveling up in video games with my better half, or indulging in a scrumptious bowl of curry.
So let's tackle this exciting journey together – with a mix of confidence, swiftness, and simplification, we'll make your dream of island homeownership come true!
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Today's rates
| Loan type | Rate | APR | Discount points ($) | Mo. payment |
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).
Product Assumptions:
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.