Local expertise. Personalized guidance. A smoother path to homeownership.

Rates depend on several factors such as credit score, loan type, down payment, and even property location. We’ll show you how to get the best rate available for your financial situation.

Absolutely. We offer flexible financing for both primary and investment homes, including programs that consider rental income.

It starts with a quick conversation with one of our loan officer experts. We’ll review your goals, credit, and income to issue a per-approval you can confidently share with your Realtor.

It’s best to start with the lender first. Getting per-approved helps you understand how much you can afford, strengthens your offer, and gives your Realtor a clear budget to work with. Once you know your financing options, your Realtor can help you focus on homes that fit your price range.

Think of working with a bank like shopping at a single-brand store. They only offer their own products and prices. Working with a mortgage broker is more like shopping at Costco: you get access to a variety of lenders and loan programs all in one place, often at wholesale pricing. As a local broker, we shop over 60+ banks and lenders on your behalf to find the best rate and fit for mortgage needs.

There’s no perfect time. Rates fluctuate, but waiting for the “perfect” rate can mean missing out on home appreciation or the property you really want. We can help you evaluate the numbers to see if now aligns with your financial goals and long-term plans.

You can refinance any time once it makes financial sense. Whether to lower your rate, shorten your term, or access home equity. Some of our borrowers refinance as soon as six months after closing if market conditions improve. We’ll help you run the numbers to see if refinancing will actually save you money.

You can add children or family members as co-borrowers if they meet income and credit qualifications. Keep in mind, this also means they’ll share financial responsibility for the loan. If you’re adding them to the title only (not the loan), it must be handled carefully after closing to avoid triggering loan or ownership issues.

It depends on the loan program. Conventional loans typically require a score of 620+, while FHA and VA loans may allow lower scores with additional factors like strong income or down payment. We’ll help review your credit and recommend the best loan options for your profile.

Our process is fully digital from start to finish. You can apply online, securely upload documents, and sign most forms electronically. We communicate through phone, email, and video when needed. We’ll be keeping you updated every step of the way. Whether you’re on the mainland or overseas, you can complete your entire mortgage process without ever setting foot in an office, and still receive the same personal service and local expertise.