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 We proudly serve the beautiful state of Hawaii and Texas

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*    Loan application completed online

*    Credit check and property value check

*    Our company will choose the best program for you

*    Submit to us supporting documentation, and sign disclosures 

*    Loan is submitted to lender for credit approval

*    Appraiser will call you to schedule appraisal

*    Lender underwrites file and issues "conditional approval"

*    We gather final conditions for full approval

*    Lender issues "clear to close"

*    You sign final documents during closing at title company

*    Make sure you bring valid identification  

Refinancing is generally done to lower your interest rate, receive cash against the property for whatever reasons, or to combine a 1st and second mortgage. There are a lot of reasons a person may refinance their current mortgage.

 Fixed rate mortgage?
A fixed rate mortgage offers the stability and consistency of predictable monthly payments for the life of the loan. It may be a good choice for people who expect to live in a home for an extended period of time, or who want to lock in current interest rates. With a fixed rate mortgage, payments remain constant, allowing you to plan and budget without factoring potential interest rate fluctuations.

 Adjustable rate mortgage (ARM)?
Adjustable rate mortgages (ARMs) typically start at a lower interest rate than fixed rate mortgages, so your monthly principal and interest payment may be lower initially . However, the mortgage payment for an ARM can change over time, since it continually "adjusts" to changing interest rates

Purchase Loans
Ready to purchase a home? Search our mortgage rates and choose the best loan for you. Just answer the questions below to get started. We'll show you our best rates for fixed and adjustable rate mortgages.

Jumbo loans exceed the maximum conforming loan amount established by Fannie Mae and Freddie Mac, currently set at $417,000 and higher.