I'am George Thoma

Mortgage Broker at Hawaii's Trusted Kama'aina Mortgage Team, 

Servicing all Hawaiian Islands, Maui Oahu, Hawaii and Kauai. . 

"Your The One-Stop Shop for Mortgages"

 Licensed in Hawaii, Nevada & California.

NMLS# 312260

Company NMLS# 1276471

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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

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Kama'aina Mortgage Group Inc.

Kama'aina Mortgage Group Inc.

Company NMLS# 1276471

Georg Thoma - VA Loans in Honolulu, Maui, Kihei

Georg Thoma, a seasoned mortgage broker at Kama'aina Mortgage Group Inc., brings over 20 years of expertise to the table. His strong focus on VA Loans and Reverse Mortgages has allowed him to offer diverse loan solutions that cater to our client's unique needs.

Whether you're a first-time homebuyer or seeking to refinance, our team specializes in FHA, USDA, Jumbo, Conventional, Reverse Mortgages, and Non-QM Loans. We are committed to making the mortgage process as seamless and stress-free as possible. Here's how it works: we start with a consultation to understand your needs, then we guide you through the application process, and finally, we help you secure the best loan option. We're with you every step of the way.

In Honolulu, Kama'aina Mortgage Group Inc. thrives in the vibrant real estate market of Hawaii's capital city. With a deep understanding of the local housing landscape, we strive to connect residents with the best mortgage options. Our team is well-versed in the unique challenges and opportunities of the Honolulu market, ensuring that we can provide tailored solutions that meet your needs. Whether you're interested in VA Loans for veterans or any other type of mortgage, our dedicated team is here to assist you in achieving your homeownership dreams.

With its stunning natural Island beauty and thriving communities, Maui is another area where Kamaaina Mortgage Group Inc. excels in providing top-notch mortgage solutions. From scenic Lahaina to bustling Kahului, we understand the unique needs of Maui residents. We are committed to delivering personalized service and reliable loan options, including VA Loans for eligible veterans.

In Kihei, Maui, Kama'aina Mortgage Group Inc. takes pride in serving the community with expert mortgage advice and a wide selection of loan products tailored to individual needs. Whether you're military personnel looking for a VA Loan or a homeowner considering a conventional loan or a reverse mortgage, our team is dedicated to helping Kihei residents secure the best mortgage options available in the market. We believe in providing personalized service that caters to your unique circumstances, ensuring you feel cared for and supported throughout the process.

At Kamaaina Mortgage Group Inc., we are passionate about helping our clients achieve their homeownership goals. We understand that your situation is unique, and we're here to find the perfect mortgage solution for you.

Contact us today to start your journey toward homeownership.

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