hawaii mortgage broker: Hawaii Mortgage Interest Rates - 06/21/13 07:08 AM
Aloha,
 
Mortgage interest rates fell yesterday for the first time in several weeks.  However it went up again this morning.  It's possible it may continue to go up next week following Ben Bernanke's report that the Fed's might reduce it's bond purchases at the end of this year.
 
If you are on the fence to refinance or buy Hawaii real estate, it might be a good time to think about moving forward in case rate don't go back down. 
 
 
    
Below are some sample mortgage interest rates in Hawaii from some local banks.  These are their retail rates as … (2 comments)

hawaii mortgage broker: Mortgage Interest Rates Affected by Today's Jobs Report - 06/07/13 11:32 AM
Aloha, An improving economy and positive news in the job market often leads to higher interest rates, in the same way a struggling economy means rates are lowered to help stimulate it.    With today's jobs report, mortgage rates hit a new 15 month high.  It's been fairly inconsistent/volatile recently, so hopefully it means it will come down again?  But if you were on the fence about buying or refinancing, it's a good time to at least get an application in to see what you qualify for in case the trend continues up. Feel free to message me for your qualifications, … (0 comments)

hawaii mortgage broker: What’s my best mortgage interest rate? Let me ask my mechanic. - 05/20/13 04:58 AM
 
After being in the mortgage industry for nearly 10 years, this is the question I have received the most often:
 
“What’s your best interest rate?” 
 
 

Certainly, I understand consumers wanting to find the best deal.  Of course you want the lowest cost and lowest payment available.   Whether it be for a mortgage loan to refinance or purchase real estate, or if you are at the local farmers market looking for the best price for vegetables, you want to get the most for your hard earned dollar…I'm with you there.                                                
 
 
What we need to understand, … (2 comments)

hawaii mortgage broker: Today's Hawaii Mortgage Interest Rates and Real Estate News - Including Hawaii VA Loans and Refinance - 01/05/10 04:14 PM
Hello Everyone!
 
Market News:
HUD released new updates to 4155 ("FHA Manual") such as transferring appraisals between lenders doesn't have to have new lender name on appraisal.  Go to HUD.gov for more.  
GMAC expects to post a record loss of $5 billion from their fourth-quarter.  Will try and sell it's ResCap mortgage unit. Hawaii Interest Rates as of 01/05/09:
Nice rate drop today.  Base rate (lowest you can buy with points) today for a 30 yr fixed loan is about 4.25%. The going rate (with no lender points) is about 4.875%.
Base rate today for a 5 yr fixed loan (30 … (1 comments)

hawaii mortgage broker: Today's Hawaii Mortgage Interest Rates and Industry News- Including VA Loans and Refinance - 12/28/09 06:42 AM
Good Morning Everyone!
 
Market News:
The Treasury stated they will stop buying mortgage backed securities and of this month.  May write blank checks for Fannie and Freddie for bail-out, lifting $200 billion limit.  
HUD puts delay on the appraisal rule so lenders have time to adapt  Hawaii Interest Rates as of 12/28/09: 
Base rate (lowest you can buy with points) today for a 30 yr fixed loan is about 4.25%.   The going rate (with no lender points) is about 5%. 
Base rate today for a 7 yr fixed loan (30 yr term) is about 3.5%.   The going rate is about 4.375%. 
Base rate today for … (0 comments)

hawaii mortgage broker: Today's Hawaii Mortgage Interest Rates - including Hawaii VA Loans and Refinance - 11/24/09 06:56 AM
Aloha Everyone,
 Below are today's rates. 
Rates are based upon a minimum credit score, amount of equity, and loan purpose.  Based upon your actual scenario, the rate may be higher or lower.  Please contact me to get an accurate quote based upon your situation.  Rates are subject to change without notice depending on the bank.
Interest Rates, 30 day lock - as of 11/24, 10am:
30 yr fixed: 4.3755% w/ 2.125 points,  4.5% w/ 1.25 points, 4.75% w/ .125 points
15 yr fixed: 3.875% w/ 2.125 points, 4% w/ 1.375 points, 4.25% with .125 points
Hawaii VA Loan 30 yr fixed:  4.75% w/ 1 point,  5% w/ 0 points
 
The following products are … (0 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates including VA Loans and Refinance - 09/09/09 12:31 PM
Aloha Everyone,
Below are today's rates. 
Rates are based upon a minimum credit score, amount of equity, and loan purpose.  Based upon your actual scenario, the rate may be higher or lower.  Please contact me to get an accurate quote based upon your situation.  Rates are subject to change without notice depending on the bank.
Interest Rates, 30 day lock - as of 09/09, 10am:
30 yr fixed: 4.625% w/ 2.375 points,  4.875% w/ 1.125 points, 5.25% w/ 0 points
15 yr fixed:  4.5% w/ 1.75 points, 4.375% w/ 1 point, 4.5% w/ .25 points
Hawaii VA Loan 30 yr fixed:  4.875% w/ 2.125 points,  5.125% w/ 1.125 points, 5.375% with 0 points
 
The … (0 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates 08/03/2009 including VA Loans and Refinance - 08/03/09 06:09 AM
Aloha Everyone,
Below are today's rates. 
Rates are based upon a minimum credit score, loan to value ratio, and loan purpose.  Based upon your actual scenario, the rate may be higher or lower.  Please contact me to get an accurate quote based upon your situation.  Rates are subject to change without notice depending on the bank.
Interest Rates, 30 day lock - as of 04/13, 10am:
30 yr fixed: 4.875% w/ 1.5 points,  5% w/ 1.125 points, 5.25% w/ .375 points
15 yr fixed:  4.375% w/ 1.75 points, 4.675% w/ 1 point, 4.875% w/ 0 points
Hawaii VA Loan 30 yr fixed:  5% w/ 1.25 points,  5.5% w/ 0 points
 
The following products are … (0 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates for 6/1 including VA Loans and Refinance - 06/01/09 06:55 PM
Aloha Everyone,
Below are today's rates. 
Rates are based upon a minimum credit score, loan to value ratio, and loan purpose.  Based upon your actual scenario, the rate may be higher or lower.  Please contact me to get an accurate quote based upon your situation.  Rates are subject to change without notice depending on the bank.
Interest Rates, 30 day lock - as of 06/1, 8:30am:
30 yr fixed: 4.875% w/ 2.125 points,  5.125% w/ 1.375points, 5.5% w/  0 points
15 yr fixed:  4.375% w/ 2.25 points, 4.75% w/ 1.125 points, 5.25% w/ 0 points
Hawaii VA Loan 30 yr fixed:  4.875% w/  2.125 points,  5% w/ 1.375points
 
The following products are available … (0 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates for 5/26 including VA Loans and Refinance - 05/26/09 12:15 PM
Aloha Everyone,
Below are today's rates. 
Rates are based upon a minimum credit score, loan to value ratio, and loan purpose.  Based upon your actual scenario, the rate may be higher or lower.  Please contact me to get an accurate quote based upon your situation.  Rates are subject to change without notice depending on the bank.
Interest Rates, 30 day lock - as of 05/26, 11:30am:
30 yr fixed: 4.375% w/ 2.5 points,  4.5% w/ 2points, 4.75% w/  1.25 points
15 yr fixed:  4.25% w/ 1.75 points, 4.375% w/ 1.2 points, 4.625% w/ .4 points
Hawaii VA Loan 30 yr fixed:  4.625% w/  2.5 points,  5% w/ .5points
 
The following products are … (0 comments)

hawaii mortgage broker: Hawaii Interest Rates for 4/20/09 including Hawaii VA Loans and Refinance - 04/20/09 05:21 PM
Aloha Everyone,
Below are today's rates. 
Rates are based upon a minimum credit score, loan to value ratio, and loan purpose.  Based upon your actual scenario, the rate may be higher or lower.  Please contact me to get an accurate quote based upon your situation.  Rates are subject to change without notice depending on the bank.
Interest Rates, 30 day lock - as of 04/13, 10am:
30 yr fixed: 4.375% w/ 2 points,  4.5% w/ 1.375 points, 4.75% w/ .375 points
15 yr fixed:  4.25% w/ 1.375 points, 4.375% w/ .625 points, 4.5% w/ .125 points
Hawaii VA Loan 30 yr fixed:  4.375% w/ 2.4 point,  4.625% w/ 1.6 points,  4.875% with .4 points
 
The … (0 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates 04/06/09 VA Loans & Hawaii Refinance - 04/06/09 06:17 PM
Aloha Everyone,
Below are today's rates. 
Rates are based upon a minimum credit score, loan to value ratio, and loan purpose.  Based upon your actual scenario, the rate may be higher or lower.  Please contact me to get an accurate quote based upon your situation.  Rates are subject to change without notice depending on the bank.
Interest Rates, 30 day lock - as of 04/06, 10am:
30 yr fixed: 4.375% w/ 2.125 points,  4.625% w/ 1.125 points, 5% w/ 0 points
15 yr fixed:  4.5% w/ 1.5 points, 4.5% w/ .375 points, 4.625% w/ 0 points
Hawaii VA Loan 30 yr fixed:  4.5% w/ 1.75 points,  4.875% w/ .75 points, 5.25% with 0 points
 
The … (0 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates - to Refinance or Purchase Real Estate 03/16/09 - 03/16/09 11:42 AM
Aloha Everyone,
Below are today's rates. 
Rates are based upon a minimum credit score, loan to value ratio, and loan purpose.  Based upon your actual scenario, the rate may be higher or lower.  Please contact me to get an accurate quote based upon your situation.  Rates are subject to change without notice depending on the bank.
Interest Rates, 30 day lock - as of 03/16, 10am:
30 yr fixed: 4.5% w/ 2.25 points,  4.75% w/ 1.25 points, 5.125% w/ 0 points
15 yr fixed:  4.375% w/ 1.25 points, 4.625% w/ .375 points, 4.75% w/ .125 points
Hawaii VA Loan 30 yr fixed:  4.75% w/ 1.25 points,  5.125% w/ .275 points, 5.25% with 0 points
Products:
The … (0 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates 3/02/09 - 03/02/09 07:26 AM
Aloha Everyone,
Below are today's rates. 
Rates are based upon a minimum credit score, loan to value ratio, and loan purpose.  Based upon your actual scenario, the rate may be higher or lower.  Please contact me to get an accurate quote based upon your situation.  Rates are subject to change without notice depending on the bank.
Interest Rates, 30 day lock - as of 03/02, 10am:
30 yr fixed: 4.75% w/ 2.125 points,  5% w/ 1.25 points, 5.375% w/ 0 points
15 yr fixed:  4.5% w/ 2.375 points, 4.625% w/ 1.875 points, 4.875% w/ 1 points
Hawaii VA Loan 30 yr fixed:  4.875% w/ 1.75 points,  5.125% w/ .875 points, 5.5% with 0 points
Products:
The following … (0 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates 2/24/09 - 02/24/09 07:29 PM
Aloha Everyone,
Below are today's rates. 
Rates are based upon a minimum credit score, loan to value ratio, and loan purpose.  Based upon your actual scenario, the rate may be higher or lower.  Please contact me to get an accurate quote based upon your situation.  Rates are subject to change without notice depending on the bank.
Interest Rates, 30 day lock - as of 02/24, 10am:
30 yr fixed: 4.5% w/ 2 points,  4.75% w/ 1.125 points, 5.125% w/ 0 points
15 yr fixed:  4.375% w/ 1.875 points, 4.625% w/ 1.25 points, 4.875% w/ .625 points
Hawaii VA Loan 30 yr fixed:  4.875%% w/ 1.75 points,  5.125% w/ 1 point, 5.75% with 0 points
Products:
The following … (0 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates 02/17/09 - 02/17/09 02:27 PM
Aloha Everyone,
Below are today's rates. 
Interest Rates, 30 day lock (wholesale rates, usually lower than banks advertised rates)- as of 02/17, 10am:
30 yr fixed: 4.5% w/ 1.625 points,  4.75% w/ .875 points, 5% w/ .125 points
15 yr fixed:  4.375% w/ 1.75 points, 4.625% w/ 1.125 points, 4.875% w/ .625 points
Hawaii VA Loan 30 yr fixed:  4.875%% w/ 2 points,  5.5% w/ 1 point, 5.875% with 0 points
Products:
The following are available in the market:
•·         100% Financing on 30 yr fixed (geographic/income restrictions)
•·         100% Hawaii VA Loans up to $793,750.  Hawaii VA jumbo available up to 1 mil.
•·         Jumbo Loans
•·         CondoTels
•·         90% Financing on Construction … (2 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates 2/10/09 - 02/10/09 06:36 AM
Aloha Everyone,
Below are today's rates. 
Interest Rates, 30 day lock (wholesale rates, usually lower than banks advertised rates)- as of 02/10, 10am:
30 yr fixed: 4.5% w/ 2 points,  4.875% w/ 1  point, 6% w/ 0 points
15 yr fixed:  4.5% w/ 2 points, 5% w/ 1 point, 5.75% w/ 0 points
Hawaii VA Loan 30 yr fixed:  5% w/ 1.125 points,  5.375% w/ .625 points, 5.5% with 0 points
Products:
The following are available in the market:
•·         100% Financing on 30 yr fixed (geographic/income restrictions)
•·         100% Hawaii VA Loans up to $793,750.  Hawaii VA jumbo available up to 1 mil.
•·         Jumbo Loans
•·         CondoTels
•·         90% … (2 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates -1/26/09 - 01/26/09 07:12 PM
Aloha Everyone,
Below are today's rates. 
Interest Rates, 30 day lock (wholesale rates, usually lower than banks advertised rates)- as of 01/26, 10am:
30 yr fixed: 4.625% w/ 2.125 points, 5% w/ 1  point, 5.75% w/ 0 points
15 yr fixed:  4.375% w/ 2 points, 4.875% w/ 1 point, 5.625% w/ 0 points
Hawaii VA Loan 30 yr fixed:  5.125% w/ 1.125 points,  5.375% w/ .875 points, 5.75% with 0 points
Products:
The following are available in the market:
•·         100% Financing on 30 yr fixed (geographic/income restrictions)
•·         Stated Income/Stated Assets (720 FICO and 500k net worth)
•·         100% Hawaii VA Loans up to $793,750.  Hawaii VA jumbo available up to … (0 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates 01/13/09 - 01/13/09 06:40 AM
Hey Folks,
Below are today's rates!
Interest Rates, 30 day lock (wholesale rates, usually lower than banks advertised rates)- as of 01/13, 10am:
30 yr fixed: 4.25% w/ 2 points, 4.5% w/ 1  points, 4.875% w/ 0 points
15 yr fixed:  4% w/ 2.5 points, 4.25% w/ 1 points, 4.5% w/ 0 points
VA 30 yr fixed:  4.75% w/ 1.875 points,  5% w/ .5 points, 5.375% with .125 points
Products:
The following are available in the market:
•·         100% Financing on 30 yr fixed (geographic/income restrictions)
•·         Stated Income/Stated Assets (720 FICO and 500k net worth)
•·         100% Hawaii VA Loans up to $793,750.  Hawaii VA jumbo available up to 1 … (0 comments)

hawaii mortgage broker: Hawaii Mortgage Interest Rates 12/15 - 12/15/08 04:13 PM
Hey Folks,
Sorry I've been late sending these out.  As you can guess it's been pretty crazy on our end with the rate drop.  GREAT time to refi or purchase!
Interest Rates, 30 day lock (wholesale rates, usually lower than banks advertised rates)- as of 12/15
30 yr fixed: 4.625% w/ 2 points, 4.75% w/ 1.125  points, 4.875% w/ .125 points
15 yr fixed:  4.5% w/  1.5 points, 4.625% w/ .875 point, 5.75% w/ .25 points
30 yr Jumbo:  4.875% w/ 1  point,  5.125% w/ .5 points, 5.875% with 0 points
Products
The following are available in the market:
•·         100% Financing … (0 comments)

 
Pete C, Hawaii Mortgage Loan and Refinance (TBA)

Pete C

Hawaii Mortgage Loan and Refinance

Kailua, HI

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TBA

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