5 Steps to Follow When Applying for Forbearance

If you’re currently feeling the stress of affording your mortgage payment, or if you know someone who is, there’s still time to get help through forbearance. For homeowners experiencing financial hardship this year, the CARES Act provides mortgage payment deferral options, creating much-needed relief in these challenging times. It’s important, however, to understand how forbearance […]

Don’t Let Buyer Competition Keep You From Purchasing a Home

This year’s record-low mortgage rates sparked high demand among those seeking to purchase a home. Current homeowners, however, haven’t put their houses on the market so quickly. This makes finding a home to buy today challenging for many potential buyers. With an obstacle like this, those searching for their dream homes may be pressing pause […]

Will Mortgage Rates Remain Low Next Year?

In 2020, buyers got a big boost in the housing market as mortgage rates dropped throughout the year. According to Freddie Mac, rates hit all-time lows 12 times this year, dipping below 3% for the first time ever while making buying a home more and more attractive as the year progressed (See graph): When you […]

VA Home Loans: Helping Heroes Find a Home

In the United States, there are many valuable benefits available to Veterans, including VA home loans. On Veterans Day, we honor those all who have served our country and thank you for your continued dedication to our nation. For over 75 years, Veterans Administration home loans have provided millions of Veterans and their families the […]

Rent vs. Buy: How To Decide What’s Best For You

Today we have some rent vs. buy tips to help you decide what’s best for you. According to the U.S. Census Bureau, median rent continues to rise. With today’s low mortgage rates, there’s great opportunity for current renters to buy into homeownership that stretches each dollar a little bit further. While the best timeline to […]

4 Reasons Why The Election Won’t Dampen The Housing Market

Americans will decide our President for the next four years. That decision will have a major impact on many aspects of life in this country, but the election won’t dampen the housing market. Residential real estate buyers remain optimistic. Analysts will try to measure the impact feasible changes in regulations might have on housing, the […]


It’s an announcement we’ve waited over two years to hear but, yes! VA will now guaranty loans on homes with water catchment tanks in Lava Zone 2 and above!  It was a real blow when it was taken away in late 2011.  With some lobbying work by our politicians, including Representative Tulsi Gabbard, VA has […]


The Consumer Finance Protection Bureau (CFPB) is an entity formed by the government to oversee and maintain compliance of any companies doing real estate mortgages.  Regulations drafted by the CFPB will change the definition of a qualified mortgage for any loan applications received on and after Jan. 10, and many consumers may find themselves unable to meet […]

The 123’s of Preparing to Buy Your First Home: Part 1- Assets

If you have a stock or bonds account, cash value life insurance, investment or retirement account that you’re not planning on using for down payment, often times these accounts are great to have on your application to show you have “reserves” after savings and checking.  Additional assets add financial strength to your application.


We’re honored to have been voted the Best of East Hawaii Mortgage Brokers for 2013!!  We defintely have to thank our customers and referral partners for supporting our continued success.  We’re in this together!  So, if there is anything we can do for you…even as small as answering a question, please don’t hesitate to call […]

HARP 2.0

Home Affordable Refinance Program – Refinance even when you’re underwater!!  Take advantage of LOW RATES!! Fannie Mae and Freddie Mac are allowing UNLIMITED Loan-To-Value  for borrowers whose loans are currently owned by either of them and were purchased by them prior to April in 2009.  This opens the doors for many homeowners. Restrictions do apply […]


Thank you to the Big Island community for voting Island Home Loans, Inc. the “Best Mortgage Company in East Hawaii” for 2012.  We are humbled and thank you for your continued support.  Aloha Kakou!

Wait-And-See Attitude?

It is hard to imagine the interest rates today are below 4% AND home prices have dropped significantly AND STILL people are still hesitant to refinance to lower their monthly payments, AND new homebuyers are not buying when the rates and prices are so low. The public does not have any confidence that things are getting […]


Hello Friends! Check out this article from Yahoo! Finance that talks about what it takes to get a loan these days. We’re ready to help you with all your financing needs!

What’s this new mess regarding bank foreclosures?

There were a ton of foreclosures seriously starting in 2007 due to the mortgage crisis that brought the economy down. The banks were super over-burdened with the abundance of foreclosure documentation…….so they did many shortcuts in doing fraud, omitted notary for signatures, had clerks sign legal documents without reading them, no chain of title docs, […]


I have a New & Wonderful program to help homeowners save their home from foreclosure. I can lower you mortgage payments and there are NO Points or Lender Fees. This can help you save and stay in your home. Call me at 961-0605 or 345-6478 to see if you qualify.

Where’s Our Hawaii Tribune-Herald Ad?

Don’t worry! Island Home Loans is still here and offering many new financing options! We are working on revising our advertising and did not get it completed before our old ad finished. Just as soon as we complete our new advertising brochures, flyers, mailers and newspaper ads, we will have the smiling faces of Island […]

Money to Help Build Your Home

Are you in the process of building your dream home and things get a little more expensive than you had budgeted? If your are afraid of running out of money or to have your credit cards to their max, NOW is the time to get a Construction Completion loan. You can get enough money to […]

Rising Interest Rates

It is true that mortgage interest rates have been rising over the past several weeks. With today’s best rate at 5.25%, it is still at record lows and a great time to buy a home. There are numerous programs available that allow up to 100% financing and don’t forget the great $8,000 tax incentive to […]

Interest Rates – Still Low

Even with the uncertainty in the mortgage market, interest rates still remain at record lows. All homeowners should look at the savings a refinance would bring, in either a lower monthly payment or the thousands of dollars that would be saved over the life of the loan. For a full breakdown of savings please contact one […]