For inquiries regarding financial information related to mortgage products, you can reach us at 808-333-4341. We also offer details on home equity line of credit options.
HAWAII REFINANCE SPECIALISTS
Friendly Service
We're experts at what we do, and while knowing the best techniques for mortgage solutions is essential, our priority is making you feel great throughout the process. Whether you're here for a quick question about cash out options, debt consolidation planning, or exploring your refinance options like HELOC vs HELOAN, your comfort and happiness are of utmost importance!
LOWER YOUR MONTHLY PAYMENTS
A rate and term refinance takes your existing mortgage balance and recasts the term out to 360 months or less, which can lower your monthly principal and interest payment. When considering your refinance options, it's essential to evaluate scenarios, including cash out refinancing and the differences between HELOC vs HELOAN, so you can make the best decision together.
HELOC OR HELOAN?
A HELOC (Home Equity Line of Credit) provides flexible funds that you can access when you're ready, making it a great option when considering cash out strategies. Variable interest accumulates only on the portion you have exercised, which works well for short-term financial tactics. On the other hand, a HELOAN offers funds today with a fixed interest rate and fixed term, making it ideal for long-term strategies. When evaluating HELOC vs HELOAN, it's essential to consider your mortgage refinance options to determine the best fit for your financial needs.
High-Quality Products
We deliver high-quality mortgage products with low rates and premium service, including various refinance options. You will be well informed about cash out opportunities and the differences between HELOC vs HELOAN, allowing you to make the very best decision for you and your family. We stay friends with our customers long past your purchase!
Relaxing Environment
From the moment we meet, our focus is on your complete relaxation. Most people only buy 2 or 3 homes ever, so please ask questions and take a step back from the bustle of high-pressure mortgages. Whether you're considering cash out options or exploring HELOC vs HELOAN, we can help you understand your refinance options. Come take a break with us.
NEW HOME Serenity at The Mortgage Salon
FIRST TIME HOMEBUYER
FIRST TIME HOMEBUYER
FIRST TIME HOMEBUYER
First home ever or your first home in a long time, we offer a variety of mortgage options to fit your needs. With no mortgage interest in the past 3 years, you can explore our refinance options, including cash out alternatives. Choose from a 3% minimum down payment conventional loan, a 10% minimum down payment jumbo loan, or 0% down payment options for VA and USDA loans. Experience peace and tranquility with the help of our dedicated loan originators as you navigate HELOC vs HELOAN to find the best financing solution.
SUBSEQUENT HOMEBUYER
FIRST TIME HOMEBUYER
FIRST TIME HOMEBUYER
Selling a home and buying a new home can be a complex process, especially when considering your mortgage options. With a 5% minimum down payment for conventional loans and a 10% minimum down payment for jumbo loans, you have various paths to explore. If you're a veteran, you can take advantage of a 0% minimum down payment VA loan. Additionally, our REAL Loan can help you achieve lower monthly payments, making it easier to manage your finances. If you're considering refinance options, you might want to evaluate HELOC vs HELOAN to see what best suits your needs. Enjoy speed and efficiency in securing the right financing for your new home!
INVESTOR dscr
FIRST TIME HOMEBUYER
INVESTOR dscr
You can cash out on this property for consistent cash flow while maintaining your current address. You may stay here occasionally, and with a minimum down payment of 20%, you can take advantage of various mortgage options. Notably, 100% of the rental income qualifies, and you'll need to keep reserves for 3-6 months. Plus, there’s no need for tax returns or income verification, making it a great choice compared to other refinance options, such as HELOC vs HELOAN.
CREDIT REPAIR
INVESTOR CONVENTIONAL
INVESTOR dscr
Enhance your credit with professional analysis and monthly reporting while exploring your refinance options. With step-by-step DIY credit repair available for just $29 at AkamaiCredit.com, you can also consider cash out choices and understand the differences between HELOC vs HELOAN. Your credit will look and feel its best.
SECOND HOME
INVESTOR CONVENTIONAL
INVESTOR CONVENTIONAL
You can stay here sometimes with a minimum down payment of 10%. Please note that rental income doesn't qualify, and advertising on platforms like VRBO or AirBnB is not allowed. This option is limited to friends and family only. Additionally, reserves may be required if you're considering cash out refinancing as part of your HELOC vs HELOAN options.
INVESTOR CONVENTIONAL
INVESTOR CONVENTIONAL
INVESTOR CONVENTIONAL
Investment will be your first purchase with a minimum down payment of 20%. It's essential to maintain your current employment as you explore various refinance options. When considering rental properties, keep in mind that 75% of rental income qualifies towards your mortgage. Additionally, having 3-12 months of reserves is required. You'll also need to provide your tax return and income documentation. If you're thinking about cash out options, it's important to compare HELOC vs HELOAN to find the best fit for your financial goals.
so many options...
Refinance? Rate-and-term or Cash-out
HELOC? DIY, same day results, click here
HELOAN? Long term strategy
Investor? No DTI required
First time? Zero-to-3% down payment options
Repeat? 5% down
Contact Us
Better yet, book an appointment
Book an Appointment to explore your refinance options and understand the differences between a HELOC vs HELOAN. You can also apply online to cash out on your mortgage.
The Mortgage Salon
D. Mallardi, Mortgage Stylist Loan Originator NMLS# 1612621 dmallardi@emortgagecapital.com
Hours Hawaii Standard Time
Open today | 09:00 am – 05:00 pm |
HONOLULU STAR ADVERTISER RATES PUBLISHED DECEMBER 26, 2024
We're experts at what we do, and while knowing the best techniques for mortgage solutions is essential, our priority is making you feel great throughout the process. Whether you're here for a quick question about cash out options, debt consolidation planning, or exploring your refinance options like HELOC vs HELOAN, your comfort and happiness are of utmost importance!
30-Year fixed
A rate and term refinance takes your existing mortgage balance and recasts the term out to 360 months or less, which can lower your monthly principal and interest payment. When considering your refinance options, it's essential to evaluate scenarios, including cash out refinancing and the differences between HELOC vs HELOAN, so you can make the best decision together.
15-year fixed
A HELOC (Home Equity Line of Credit) provides flexible funds that you can access when you're ready, making it a great option when considering cash out strategies. Variable interest accumulates only on the portion you have exercised, which works well for short-term financial tactics. On the other hand, a HELOAN offers funds today with a fixed interest rate and fixed term, making it ideal for long-term strategies. When evaluating HELOC vs HELOAN, it's essential to consider your mortgage refinance options to determine the best fit for your financial needs.
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