Our Scotsman Award Winning Mortgage Broker has represented thousands of clients in the last 15 years and placed #1 in the entire State of Hawaii for VA Refinances in 2016 and #58 in the entire Nation for VA Mortgage Fundings out of hundreds of thousands of Loan Originators. Paradise Home Mortgage LLC is Accredited and A Rated with the Better Business Bureau and licensed in Hawaii and California.
At Paradise Home Mortgage LLC we help you take full advantage of multiple lenders competing for your business to negotiate the lowest rate at the lowest cost which can save you tens of thousands of dollars in interest and fees! Due to the fact that we represent a large number of clients, we are able to offer wholesale pricing that is often not available to directly to consumers with the lowest interest rates with ultra-low closing fees that would be next to impossible to attain on your own.
We will also help you navigate the mortgage lending maze by simplifying the process while providing you with the right option that fits your unique situation.
At Paradise Home Mortgage LLC we help you take full advantage of multiple lenders competing for your business to negotiate the lowest rate at the lowest cost which can save you tens of thousands of dollars in interest and fees! Due to the fact that we represent a large number of clients, we are able to offer wholesale pricing that is often not available to directly to consumers with the lowest interest rates with ultra-low closing fees that would be next to impossible to attain on your own.
We will also help you navigate the mortgage lending maze by simplifying the process while providing you with the right option that fits your unique situation.
Services
Need refinancing options on a home, or other real estate?
Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We're here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request.
We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.
Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We're here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request.
We'll help you clearly see differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.
The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change.
This may be a good choice if you plan to stay in your home for seven years or longer.
If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
This may be a good choice if you plan to stay in your home for seven years or longer.
If you plan to move within seven years, then stable-rate loans are usually cheaper.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE 30-Year Fixed Rate Mortgage Qualifier.
As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans.
This loan is fully amortized over a 15-year period and features constant monthly payments.
It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast.
The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.
Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
This approach is often safer than committing to a higher monthly payment, since the difference in interest rates isn't that great.
It offers all the advantages of the 30-year loan, plus a lower interest rate and you'll own your home twice as fast.
The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment.
Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.
This approach is often safer than committing to a higher monthly payment, since the difference in interest rates isn't that great.
An ARM is an Adjustable Rate Mortgage.
Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
We're here to make it a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Adjustable Rate Mortgage Qualifier.
Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically.
The intial interest rate of an ARM is lower then that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is to high.
We're here to make it a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Adjustable Rate Mortgage Qualifier.
An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA).
Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.
We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.
The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.
We're here to make the FHA home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE FHA Loan Qualifier.
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