Hawaii Mortgage Experts

At Hawaii Mortgage Experts, our mission is to simplify the mortgage process for you while offering you the best possible mortgage.
We listen to your specific needs and custom tailor the mortgage solution that best suits your financial goals.
In today's market, it's especially important to partner with the Mortgage Advisor who puts your needs before their own.
A complete product mix including VA, JUMBO, FHA, USDA, and Conventional loan types, combined with numerous lender options places HME in a position to offer you all loan types while not being constrained to one bank.

A conventional loan is a type of mortgage that is not guaranteed or insured by the United States government.
The non-conforming loan, Jumbo Mortgage, is a loan that is used to finance a mortgage that is higher than a conforming loan limits.
A home equity loan (sometimes abbreviated HELOC) is a type of loan in which the borrower uses the equity in their home as collateral.
At Hawaii Mortgage Experts, we enjoy helping the seniors of the community, especially the ones with equity built up in their home.

Since there are so many components to the mortgage process, we have taken special care to organize the most important qualifying steps, lending frequently asked questions, home buying and mortgage processes below.
We realize that that the information contained in this site could literally take you weeks to research and digest, so please contact us at any time for a personal consultation where we can address your specific needs and questions.
Whether you're new to the home buying process, or a seasoned investor, I bet you didn't realize that there are at least 20 top mortgage related terms that you may want to understand prior to speaking with a real estate agent or loan officer.

Simply put, a mortgage is a loan secured by real property and paid in installments over a set period of time.
The mortgage secures your promise that the money borrowed for your home will be repaid.
However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan.
Qualifying for a mortgage requires meeting a pre-determined set of guidelines established by a lender, which may include credit history, income, employment and assets.
In addition to personal qualifying factors, a property must also meet certain standards set by lenders before a borrower can obtain a mortgage loan secured by real estate.

Whether you're a First-Time Home Buyer or seasoned investor, the mortgage approval process can be a slightly overwhelming adventure without a proper road map and good team in your corner.
Updated program guidelines, mortgage rate questions and down payment requirements are a few of the components you'll need to be aware of when getting mortgage financing for a purchase or refinance.
While this site is full of useful information, industry terms and calculators that will help you research the mortgage approval process in detail, this particular page was designed to give you a thorough outline of the important components involved in getting qualified for a new mortgage loan.