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Home Financing with Hawaii's Trusted Kama'aina Mortgage Team Thoma:

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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.

Company NMLS# 1276471

Kama'aina Mortgage Group Inc.

Georg Thoma - VA Loans in Honolulu, Maui, Kihei

Kamaaina Mortgage Group Inc. is a dedicated mortgage broker that offers a wide range of loan solutions to meet the needs of our clients. Whether you're a first-time homebuyer or looking to refinance, we specialize in providing FHA Loans, VA Loans, USDA Loans, Jumbo Loans, Conventional Loans, Reverse Mortgages, and Non-QM Loans. Our goal is to make the mortgage process as smooth and stress-free as possible, guiding you every step of the way.

In Honolulu, Kamaaina Mortgage Group Inc. thrives in the vibrant real estate market of Hawaiis capital city. With a deep understanding of the local housing landscape, we strive to connect residents with the best mortgage options available. 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.

Maui, with its stunning natural beauty and thriving communities, 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 and are committed to delivering personalized service and reliable loan options, including VA Loans for eligible veterans.

Finally, in Kihei, Kamaaina Mortgage Group Inc. is proud to serve the community by offering expert mortgage advice and a wide selection of loan products tailored to individual needs. Whether its a conventional loan, a reverse mortgage, or a VA Loan for military personnel, our team is dedicated to helping Kihei residents secure the best mortgage options available in the market.

At Kamaaina Mortgage Group Inc., we are passionate about helping our clients achieve their homeownership goals. Contact us today to discover the perfect mortgage solution for you.

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