We are proud to offer some of the most competitive Conforming and Jumbo rates in Hawaii and California. With our interactive Custom quote feature, you can get competitive rate quotes for Conventional, Jumbo, VA, and FHA loans without having to provide any personal information. No one will follow up with you unless you request to be contacted. These rates are based on a conforming purchase loan with a 20% down payment, and a jumbo purchase loan with a 20% down payment.
The current max Conforming Loan amount is $822,375 in Hawaii, and $548,250 in most California counties. A Jumbo Loan is any loan amount greater than $822,375 in HI, and $548,250 in CA.
The current max Conforming Loan amount is $822,375 in Hawaii, and $548,250 in most California counties. A Jumbo Loan is any loan amount greater than $822,375 in HI, and $548,250 in CA.
Services
Being a Hawaii mortgage banker and a mortgage broker gives Pacific Home Loans the distinction of being both a direct lender and a broker to over twenty banks.
This means a greater number of available loan options and a greater possibility of making your dream of buying a home in Hawaii a reality.
Pacific Home Loans can make Hawaii home loans directly, which often results in significant cost savings and faster loan processing times.
Pacific Home Loans extensive portfolio of financing partners gives it an edge in offering the best loan program to meet your needs.
This means a greater number of available loan options and a greater possibility of making your dream of buying a home in Hawaii a reality.
Pacific Home Loans can make Hawaii home loans directly, which often results in significant cost savings and faster loan processing times.
Pacific Home Loans extensive portfolio of financing partners gives it an edge in offering the best loan program to meet your needs.
Buying a condo or condotel in Hawaii is much different from buying a condo anywhere else in the U.S.
This is to be mostly accredited to the unique characteristics our condominium projects possess.
There are three types of condo classifications that will affect your financing options.
That said, the category into which a condo falls will impact your down payment requirements and your interest rate.
It is important for you to know that most mainland lenders do not have the experience required to lend on the majority of Hawaii condos which fall into these classifications.
This is to be mostly accredited to the unique characteristics our condominium projects possess.
There are three types of condo classifications that will affect your financing options.
That said, the category into which a condo falls will impact your down payment requirements and your interest rate.
It is important for you to know that most mainland lenders do not have the experience required to lend on the majority of Hawaii condos which fall into these classifications.
Pacific Home Loans, a State of Hawaii lender since 2007, is proud to introduce the Digital Mortgage.
If you prefer to complete the application process over the phone or face-to-face in our office, email us or call toll free 866-389-2778 or 808-891-0415 to request a phone or office appointment.
Complete a residential loan application in 1 of 3 ways: electronically to save time, over the phone, or in person.
Upon receipt of your online application, during business hours, a licensed loan officer will contact you to review your application with you.
If you prefer to complete the application process over the phone or face-to-face in our office, email us or call toll free 866-389-2778 or 808-891-0415 to request a phone or office appointment.
Complete a residential loan application in 1 of 3 ways: electronically to save time, over the phone, or in person.
Upon receipt of your online application, during business hours, a licensed loan officer will contact you to review your application with you.
Refinancing is most often used to lower your interest rate.
If rates have dropped since you last financed your home, you may want to consider a refinance.
Ask about a no closing cost refinance!
A few reasons for cashing out include home improvement, an education fund, consolidating debt, and divorce.
If rates have dropped since you last financed your home, you may want to consider a refinance.
Ask about a no closing cost refinance!
A few reasons for cashing out include home improvement, an education fund, consolidating debt, and divorce.
Fannie Mae and Freddie Mac's RefiNow will enable more borrowers to refinance to a lower interest rate and reduce their monthly mortgage payment.
Lower-income borrowers typically refinance at a slower pace than higher-income borrowers, potentially missing an opportunity to save on housing costs.
Fannie Mae's new RefiNow option will help more homeowners refinance by removing some of those barriers, improving affordability, and promoting sustainable homeownership, said Malloy Evans, Senior Vice President and Single-Family Chief Credit Risk Officer, Fannie Mae.
Lower-income borrowers typically refinance at a slower pace than higher-income borrowers, potentially missing an opportunity to save on housing costs.
Fannie Mae's new RefiNow option will help more homeowners refinance by removing some of those barriers, improving affordability, and promoting sustainable homeownership, said Malloy Evans, Senior Vice President and Single-Family Chief Credit Risk Officer, Fannie Mae.
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