Aloha! Did you know that Hawaii is consistently rated amongst the happiest states in the U.S.? Keep smiling, because not only is that true, the Hawaii housing market is also booming making it a great state to call home! Maybe you want to live large on Big Island or join the many islanders alongside the volcanoes and beaches of Maui. Or are you more of a cliff and canyon lover who would prefer to call Kauai home? No matter your choice, we’re here to help!
If you’re looking to buy a home in Hawaii, start your mortgage application now, and you can have a pre-approval letter in hand when you’re touring homes!
Already a Hawaii homeowner? We can also help with mortgage refinancing!
2020 saw national mortgage rates drop to all-time lows in large part due to COVID-19. This resulted in millions of Americans taking advantage of low borrowing costs.
Hawaii mortgage rates followed that trend, but are seeing a gradual increase in 2021. That said, rates remain low by historical standards. In fact, regardless of when you took out a mortgage, it's in your best interest to take advantage of a free mortgage review with a trustworthy lender. A lower rate could mean hundreds of dollars in monthly savings.
There's no question that debt-to-income ratio and credit scores impact mortgage rates. In order to obtain the best rate, talk with a lender who puts customers first. Doing so ensures you're getting a loan program that's customized for your personal needs. American Financing has a number of Hawaii home mortgage options available, including FHA, VA, Conventional, USDA, and more.
Hawaii home buyers may qualify for down payment assistance. If you’re looking to purchase a Hawaii home, let us help you understand what options and grants* are available to you.
Be sure to ask about:
Dream Makers Grant
Forgivable and non-forgivable second mortgages
First-time home buyer incentives
Closing cost assistance
*Actual assistance amount may vary based on purchase city, credit score, and other financial requirements. Down payment assistance programs are at the city and/or state level, and they are not funded by American Financing. A homebuyer education course may need to be completed prior to applying.
Check with your mortgage consultant about funding today!
Is your monthly mortgage payment or interest rate too high?
Do you have high-interest debt holding you back?
Do you want to be mortgage-free sooner?
If you answered yes to any of these questions, now is the time to schedule a free mortgage review with one of our Hawaii mortgage consultants. Learn about the benefits of mortgage refinancing, and you could be looking at up to $1,000 a month in savings. When working with American Financing, you can choose any loan term you need ten years and over! Just call a mortgage consultant to learn more.
We’re a national mortgage lender that’s dedicated to making homeownership affordable. Competitive mortgage rates and no upfront fees are just the beginning. Our dedicated mortgage consultants work hard to customize the right loan program for your financial goals. We're able to complete most of the lending process online, creating an even faster experience for you.
We try to make it memorable, too. After all, this is not just a transaction. We’re always available to answer any mortgage-related questions after closing. We can also help with refinancing to a better rate or to get cash out. So, here’s to the start of a lifelong relationship!
Call (800) 910-4055 to connect with a Hawaii mortgage consultant. We’ll customize any loan in the industry while offering the best service, lowest rates, and fastest closings. Let us show you how simple the mortgage refinancing or new home purchase process can be!
American Financing is an Equal Housing Lender; NMLS #182334 www.NMLSConsumerAccess.org; Licensed in 50 states.