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

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

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

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

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

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,

You may have heard that pre-approval is a great first step in the homebuying process. But why is it so important? When looking for a

Mahalo to our community for voting us “Best of East Hawaii” for nine years and running! We’re truly honored to have been  voted Best of

The Coronavirus (COVID-19) has caused massive global uncertainty, including a U.S. stock market correction no one could have seen coming. While much of the news has been

If 2019 was any indication, 2020 will be a relatively good time for potential homebuyers to make the transition to Homeownership. This is truly a

What’s in store for the U.S. Housing Market in 2020? With low interest rates, modest inflation, and a solid labor market, there are many reasons

As the year comes to an end, we’d like to thank our clients and business partners for your continued support throughout the years. Thank you

From our ʻOhana to Yours, May your holiday be filled with wonderful memories. Wishing you a Christmas surrounded by your loved ones! REMINDER: If you

This year marked the 75th Anniversary of VA Home Loan Benefit offerings through the Servicemen’s Readjustment Act, also known as the GI Bill. Since 1944,

We Understand. Becoming a homeowner can be a daunting process for anyone, especially young adults or those without experience making such a big purchase. If

Verification of Assets & Reserve Requirements on a Mortgage Application If you claim to have assets on a mortgage application, be prepared to verify them.

One of the first things lenders look at when determining your eligibility for a home loan is your credit score. You don’t need perfect credit

The next most important factor are your mortgage debt ratios. Lenders look at your DTI to make sure that you have enough disposable income to

No matter which program you choose, you’ll need to prove that you have stable income & employment. Lenders need to know that you can afford

Many people believe that buying a home is out of reach, as it will take years to save 20% for a down payment. Good news!

Mahalo to our community for voting us “Best of East Hawaii” for eight years and running! We’re truly honored to have been  voted Best of

Freddie Mac recently released a report entitled, “Perceptions of Down Payment Consumer Research.” Their research revealed that, “For many prospective homebuyers, saving for a down

Why Get Pre-approved? In many markets across the country, the number of buyers searching for their dream homes outnumbers the number of homes for sale.

Why is there so much paperwork required to get a Mortgage? When buying a home today, many ask…”Why is there so much paperwork mandated by

Finding your dream home is an exciting adventure that, at times, can also feel all-consuming. On a good day, it’s fun to swipe through listings

The Voting Ballot for ‘Best of East Hawaii for 2019’ is now open! It’s that time of year again! Click the link below and vote

Here’s 3 questions you need to ask yourself before buying a home… Why am I buying a home in the first place? Where are home

Life is filled with tough choices and Americans are facing a big one: Should we continue to support the dream of homeownership? Survey data continues

Your Financial Health depends on getting the right home mortgage. And what you don’t know will cost you…Big Time! There ought to be a warning

Many renters still believe persistent myths about homebuying, including… Myth #1: A 20% down payment is required to buy. Many people believe that buying a

As the year comes to an end, we’d like to thank our clients and business partners for your continued support throughout the year. We look

Mele Kalikimaka to you! From our ‘Ohana to yours, May the peace, love, and joy of the Holiday Season be yours throughout the year! REMINDER:

Many new homebuyers assume that they must work directly with a bank or lender. Truth is, while working with a bank or other type of

Mahalo to our community for voting us “Best of East Hawaii” for seven years and running! We’re truly honored to have been voted Best of

Are you or your clients, family or friends, displaced from the Volcanic Eruption/ Lava Flow? The National Association of REALTORS, through the REALTORS Relief Foundation, approved

Loan program available for lower Puna lava flow disaster victims to purchase a home. This is an FHA Loan Program. Qualified borrowers only. Are you

ATTENTION: Your Island Home Loans Team is currently researching home loan options for disaster victims. Stay tuned as we gather the specific guidelines that need

It’s that time of year again! The Voting Ballot for ‘Best of East Hawaii 2018’ is now open! Click the link below and vote Island

Our Expert Mortgage Loans Officers will provide guidance, insights and everything you need to get started with the right loan program. The time is now,

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

If you’ve never bought a home the process can be daunting. At Island Home Loans we consider the borrower the most important part of this

Veteran Home Loans are one of our loan specialties. We love helping the Men and Women who have served in our armed forces and we

It’s ideal to have three to four lines of credit in good standing for two years or more. Your credit lines should be used once

Be prepared to provide all pages (even if blank) of your two most recent, consecutive bank statements.  If bank statements show any deposits that are

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,