HONOLULU STAR ADVERTISER RATES PUBLISHED DECEMBER 26, 2024
*This is not an offer to enter into an agreement. Not all customers will qualify, information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
30-Year fixed
- $1,000,000 purchase price, primary SFR
- 20% total down payment, points and origination
- 781 middle FICO
- 30-year, 6.25% fixed rate, 6.75% APR, no additional points
- $5,122.99 monthly principal and interest
15-year fixed
- $1,000,000 purchase price, primary SFR
- 20% total down payment, points and origination
- 781 middle FICO
- 15-year, 5.334% fixed rate, 6.5% APR, no additional points
- $6,691.16 monthly principal and interest
HAWAII REFINANCE SPECIALISTS
Friendly Service
We're experts at what we do. But knowing the best techniques is only part of the process, we're also here to make you feel great. Whether you're here for a quick question, debt consolidation planning or a rate and term refinance, your comfort and happiness is of utmost importance!
LOWER YOUR MONTHLY PAYMENTS
Rate and term refinance takes your existing mortgage balance and recasts the term out to 360 months, or less. This lowers your monthly principal and interest payment. Let's compare some scenarios so you can make the best decision...together.
HELOCE OR HELOAN?
HELOC provides flexible funds that you may access when you are ready. Variable interest accumulates only on the portion you have excercised. This is good for short-term strategies.
HELOAN provides funds today with a fixed interest rate and fixed term. This is good for long-term strategies.
High-Quality Products
We deliver high-quality loan products with low rates and premium service. You will be well informed so you may 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. 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
- First home in a long time
- No mortgage interest in past 3 years
- 3% min down payment conventional
- 10% min down payment jumbo
- 0% down payment VA & USDA
- Experience peace and tranquility from our dedicated loan originators
SUBSEQUENT HOMEBUYER
FIRST TIME HOMEBUYER
FIRST TIME HOMEBUYER
- Selling a home and buying a new home
- 5% min down payment conventional
- 10% min down payment jumbo
- 0% minimum down payment VA
- Our REAL Loan will help you achieve lower monthly payments
- Enjoy speed and efficiency
INVESTOR dscr
FIRST TIME HOMEBUYER
INVESTOR dscr
- You rent this for cash flow
- You maintain your current address
- You stay here sometime
- 20% minimum down payment
- 100% of rental income qualifies
- 3-6 months reserves required
- No tax return or income required
CREDIT REPAIR
INVESTOR CONVENTIONAL
INVESTOR dscr
- Improve your credit with professional analysis and monthly reporting
- Step-by-step DIY credit repair
- $29 at AkamaiCredit.com
- Your credit will look and feel it's best
SECOND HOME
INVESTOR CONVENTIONAL
INVESTOR CONVENTIONAL
- You stay here sometime
- 10% minimum down payment
- Rental income doesn't qualify
- No advertising on VRBO or AirBnB
- Friends and family only
- Reserves may be required
INVESTOR CONVENTIONAL
INVESTOR CONVENTIONAL
INVESTOR CONVENTIONAL
- Investment will be your first purchase
- 20% min down payment
- Maintain current employment
- 75% of rental income qualifies
- 3-12 months reserves required
- Tax return and income required
so many options...
Refinance? Rate-and-term or Cash-out
HELOC? DIY, same day approval, 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
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 |
LET'S BECOME ONE
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Corporate Address 18071 Fitch Ste 200, Irvine CA 92614 NMLS Consumer Access Link click here
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