Mortgage Products
See which loan program is best suited for you and your family.
All Mortgage Products
Conventional Loans
The most common and widely recognized type of mortgage. They serve as a standard choice for many individuals embarking on their mortgage journey.
Home Equity Line of Credit
A home equity line of credit (HELOC) is a type of revolving credit that allows homeowners to borrow against the equity they have built up in their homes.
Jumbo Loans
Jumbo Loans, also known as non-conforming mortgages, are for homes exceeding the value of Conventional Loans as established by the FHFA.
Portfolio Loans
A portfolio loan is a type of loan that is not sold to a third-party investor but instead, it is held by the lender in their own investment portfolio.
Reverse Mortgage
A reverse mortgage is a financial product designed for homeowners who are aged 62 or older to convert a portion of their home's equity into cash.
Commercial Loans
A commercial loan is a financial product designed specifically for businesses and organizations to finance various commercial real estate projects or business ventures.
All-in-One Loans
The all-in-one loan, also known as a "combo" or "all-in-one mortgage," is a financial product that combines a mortgage loan with a full-featured checking account.
No Income Doc Loans
Type of mortgage loan that allows borrowers to secure financing without providing traditional income verification documents such as tax returns, W-2 forms, or pay stubs.
Hard Money Loans
Hard money loans are typically offered by private lenders or investors and are based on the value of the underlying collateral rather than the borrower's creditworthiness.
Zero-Down Portfolio Loans
A portfolio loan is a flexible financing solution designed for those seeking to purchase high-value properties, with no down payment required for purchases up to $1 million.
Government Loans
VA Loans
VA (Veterans Affairs) Loans are expressly for current and veteran service members – and eligible spouses – looking to purchase or refinance a home.
FHA Loans
FHA Loans have no income limits, but require a 3.5% minimum down payment and a maximum loan amount of $770,500 on Oahu in 2023 for a one-unit property.
USDA Loans
USDA loans are part of the Rural Development program and they offer mortgages for rural homebuyers with no down payment
required.
Non QM Loans
Bank Statement Loans
This loan allows self-employed individuals or business owners to qualify for a loan based on their bank statements rather than traditional income verification methods.
1099 Loans
1099 loans are tailored for individuals who earn income as independent contractors or freelancers and receive 1099 forms for income reporting.
DSCR Loans
DSCR loans are specialized mortgage loans tailored for real estate investors who earn rental income from their investment properties.
Bridge Loans
Bridge loans are short-term loans designed to provide temporary financing to bridge the gap between the purchase of a new property and the sale of an existing property.
