Most people, after checking around, end up with Oahu Real Estate Mortgages so they can close fast, get the lowest interest rates in Hawaii and save thousands!. As your premier Mortgage Broker, with AMAZINGLY LOW RATES!, we will help you achieve your goal of saving as much money possible on closing costs and discount / (rebate) points on the interest rate!
We have amazingly low wholesale interest rates from multiple wholesale lenders! We can find the best rate and the lowest cost for you so you don't have to shop around and save you THOUSANDS! Go right now to the Friday's Interest Rates tab to find out how much you can save when compared to a retail lender, such as a bank, mortgage company or credit union!
We have amazingly low wholesale interest rates from multiple wholesale lenders! We can find the best rate and the lowest cost for you so you don't have to shop around and save you THOUSANDS! Go right now to the Friday's Interest Rates tab to find out how much you can save when compared to a retail lender, such as a bank, mortgage company or credit union!
Services
If Refi - address, current interest rate, current loan balance, real estate taxes, insurance.
If condo, HOA (Home Owners Association) fees.
What type of loan looking for - 30 year fixed?.
You will then get a free quote that will include my PPA (Purchase Price Analysis) for buyers or my RA (Refinance Analysis) for those that want a refi.
Nobody else does this.
It will help you will learn how to make the best financial decision for your situation.
CMPS(R) -- A Certified Mortgage Planning Specialist follows a process of evaluating your mortgage options in the context of your overall financial objectives.
If condo, HOA (Home Owners Association) fees.
What type of loan looking for - 30 year fixed?.
You will then get a free quote that will include my PPA (Purchase Price Analysis) for buyers or my RA (Refinance Analysis) for those that want a refi.
Nobody else does this.
It will help you will learn how to make the best financial decision for your situation.
CMPS(R) -- A Certified Mortgage Planning Specialist follows a process of evaluating your mortgage options in the context of your overall financial objectives.
When it comes to mortgages, homebuyers answered basic questions about terms, how to choose a lender and financing wrong nearly one-third of the time, according to an April survey of more than 1,000 current and prospective homeowners by real estate website Zillow.
Among the survey's findings, 31% of buyers don't think it's possible to get a mortgage for less than 5% down; 34% don't know what the term "annual percentage rate" (APR) means and one in four believe you must close with the lender that pre-approves your mortgage.
Among the survey's findings, 31% of buyers don't think it's possible to get a mortgage for less than 5% down; 34% don't know what the term "annual percentage rate" (APR) means and one in four believe you must close with the lender that pre-approves your mortgage.
Points are associated with each interest rate that is available to the borrower when searching for the lowest interest rate.
This is something very important that the borrower needs to understand how this works in order to get the "RIGHT" interest rate for them in their situation!
Notice, that I did not say the lowest rate!
When looking for a mortgage there are a lot of moving parts that influence what the final mortgage interest rate will be.
One of the most important is the amount of money needed at closing.
This is something very important that the borrower needs to understand how this works in order to get the "RIGHT" interest rate for them in their situation!
Notice, that I did not say the lowest rate!
When looking for a mortgage there are a lot of moving parts that influence what the final mortgage interest rate will be.
One of the most important is the amount of money needed at closing.
Because Oahu Real Estate Mortgages (OREM) is a mortgage broker, you get the low WHOLESALE interest rates!
At other retail lenders, (Banks, Mortgage Companies & credit unions) you will get the RETAIL interest rate that include all their overhead and costs of running a mortgage operation!
OREM is able to pass the savings on to you!
Typically, you will savings around $3,000 to $10,000 in origination fess/points and closing costs depending on the loan amount, interest rate and mortgage program!
Having lower rates will mean that you, of course, pay a lower monthly payment, but also you may be able to afford a larger loan amount!
At other retail lenders, (Banks, Mortgage Companies & credit unions) you will get the RETAIL interest rate that include all their overhead and costs of running a mortgage operation!
OREM is able to pass the savings on to you!
Typically, you will savings around $3,000 to $10,000 in origination fess/points and closing costs depending on the loan amount, interest rate and mortgage program!
Having lower rates will mean that you, of course, pay a lower monthly payment, but also you may be able to afford a larger loan amount!
For more information please contact Rich and he will explain all the details so it can be determined if a certain loan program will be the right one for you!
This, of course, is at no obligation to you.
There are options using Private Mortgage Insurance (PMI) or LPMI (Lender Paid Mortgage Insurance), but these have to be done on a custom basis.
If you don't see something that fits, then please call as all loan programs are not here.
CMPS(R) -- A Certified Mortgage Planning Specialist follows a process of evaluating your mortgage options in the context of your overall financial objectives.
This, of course, is at no obligation to you.
There are options using Private Mortgage Insurance (PMI) or LPMI (Lender Paid Mortgage Insurance), but these have to be done on a custom basis.
If you don't see something that fits, then please call as all loan programs are not here.
CMPS(R) -- A Certified Mortgage Planning Specialist follows a process of evaluating your mortgage options in the context of your overall financial objectives.
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