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Financing in Hawaii : Real Estate Advice

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  • Local Info3
  • Home Buying38
  • Home Selling10
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Activity 32
Sun Jun 4, 2017
answered:
Hi Jesa808,

It depends. The rate has to decrease & you have to recoup your closing costs in 48 months or less so your rate needs to go down enough to make that happen. You also need to make at least 6 payments on your current VA loan before you can do an IRRRL.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
jburke@gpbankTX.net
Apply Online: https://secure.smartapp1003.com/102471/?loanofficerid=106115
(877)228-9069
http://www.trulia.com/mortgage-lender-profile/MTG%20Banker/#reviews
... more
0 votes 2 answers Share Flag
Tue Sep 6, 2016
TENNISPROHOUSESELLER answered:
Your request is pretty common. I would use Inzopa to find the right mortgage professional for your situation. Often times it might be best to refinance both of them individually or just refinance one of them. It is hard to say without seeing your exact situation.

Inzopa has vetted mortgage professionals all over the country so that you can find the right refinance specialist. Take a look here:

https://www.inzopa.com/s/hawaii-mortgage-brokers-for-refinance

Good luck, Marlene!
... more
0 votes 1 answer Share Flag
Mon Jul 18, 2016
Flix3290 asked:
Fri Jul 3, 2015
answered:
Hi Glenda,

The answer is yes and no. Technically no the VA buyer cannot pay the non-allowable fees but those same fees can be charged and paid by the VA buyer through the of use seller concessions. In this case the seller is technically paying the VA non-allowable fees.

Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.

Please feel free to contact me for more information or help.

John Burke
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank
(877)228-9069
NMLS# 787231
http://www.trulia.com/profile/john-burke-mortgage-broker-or-lender-austin-tx-993995/reviews
... more
0 votes 2 answers Share Flag
Fri Mar 14, 2014
Jeff Howard answered:
Or you can just call the #1 Loan Officer in Hawaii and get all the information you need for USDA home loan approvals.
Check us out at https://jeffhoward.mannhawaii.com/ or www.facebook.com/jeffhowardhomeloans ... more
0 votes 4 answers Share Flag
Sun Feb 23, 2014
My NC Homes Team answered:
It depends if you've taken a new job but in th same field you've previously worked in you may apply immediately, if you're in a new job, in a new filed of work you're probably going to have to wait at least until you've got a few months in. Lenders are looking for a solid two year work history in general, though exceptions are sometime made and if you have the ability to work with a credit union they are often the most flexible. It cost you nothing to find out, simply speak with a lender and ask to be pre-approved.

You could also start by finding yourself a good buyer broker and ask them to suggest o a couple of good local lenders that they feel would be a good fit for you.
... more
0 votes 3 answers Share Flag
Thu Oct 10, 2013
Brian Nguyen answered:
Since this is an investment property, it will most likely be around 20% down or more. The best thing for you to do is to speak with a lender directly. I would be glad to speak with you to help you get the loan that you need for your next investment property. Well I hope this helps! If you have any other questions or if you would like a loan, feel free to contact me. Good Luck! Brian Nguyen Sr. Mortgage Banker NMLS # 659743 Phone: 949.667.2887 brian.nguyen@nafinc.com ... more
0 votes 4 answers Share Flag
Sun Oct 6, 2013
gennadybelyaev asked:
Sun May 19, 2013
Neiltrulia answered:
The loan is safe and is Government-Insured by the Federal Housing Administration (FHA), a division of the Department of Housing and Urban Development (HUD). This loan was signed into law as a Government-Insured product by Ronald Reagan in 1988 and since its inception, it has helped hundreds of thousands of senior homeowners safely access the equity in their homes to help them better enjoy their retirement year.


http://www.reversemortgagelendersdirect.com/reverse-mortgage-heirs/
http://www.reversemortgagelendersdirect.com/reverse-mortgage-explained-in-plain-english/
http://www.reversemortgagelendersdirect.com/questions-answered/
http://www.reversemortgagelendersdirect.com/reverse-mortgage-horror-stories/
http://www.reversemortgagelendersdirect.com/no-fee-reverse-mortgage/
... more
8 votes 4 answers Share Flag
Wed May 8, 2013
Frank Diaz answered:
Plenty. Rates seem to continually bottom out. Great time if you can qualify.
0 votes 2 answers Share Flag
Thu Apr 25, 2013
Frank Diaz answered:
Why not have a Canadian bank refinance it?
Are there any branches of US banks in that city or nearby?
0 votes 1 answer Share Flag
Thu Jan 17, 2013
drbillbates answered:
Aloha,
Lots of qualified construction workers all over Kauai willing to build for a lot less than $2.50 per sf. if you are willing to be your own general contractor. I built a nice home (had land, septic, and water hookup already) for about $180,000 (1,230 sf). You need to get a certified electrician and plumber. This is required by HI law. Good luck.
Merv
... more
0 votes 2 answers Share Flag
Sun Nov 11, 2012
Audrey Perez answered:
There is a great loan officer at Pacific Rim who came help you alot and answer all your Questions better her name is Suzanne Yumol. (808) 754-3180
0 votes 4 answers Share Flag
Mon Sep 10, 2012
Rosa Gomes answered:
Hi Jim,

Just got your email. Finding an Oahu lender for HARP 2.0 is tough however, I do have some mainland contacts that can help with a Fannie Mae. i'll send them to you shortly.


Rosa
... more
0 votes 2 answers Share Flag
Mon Aug 27, 2012
Patrick Garcia asked:
Got the timely solution. A renovation loan will be able to help your seller move that property or the buyer to consider buying it. For additinoal details , call me at 808 450 4203.
0 votes 0 Answers Share Flag
Mon Aug 6, 2012
Andyfarbs answered:
Loren, Joseph -

I have considered both calling a real estate attorney and approaching the bank. I have also been advised to build and ask forgiveness later. I appreciate your advice. ... more
0 votes 4 answers Share Flag
Thu Jun 28, 2012
C. Moana Carreira answered:
Its very difficult to refi condo-tels in Hawaii. First of all, they prefer it has a kitchenette.
If not, you're pretty much not able to sell without it being a cash transaction. Hope that
helps. Aloha
... more
0 votes 2 answers Share Flag
Fri Jun 15, 2012
Magicman answered:
I can probably help. I need some more details. Please contact me. George Beavin (808)521-9999
0 votes 8 answers Share Flag
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