Save Money with
Affordable Rates

FHA loans feature great rates and flexible payment options which are perfect for buyers looking for a mortgage with a low down payment

Great for Families and
the Self-Employed

Restrictions for FHA loans are much lower than conventional loans, helping the dream of homeownership become a reality'

Backed by the
U.S. Government

With low down payment options available and a less strict debt-to-income ratio, you may be surprised to learn how much home you can afford

Low, low mortgage rates

FHA loans are loans issued by the Federal Housing Administration. FHA loans are offered at highly attractive interest rates. This, along with flexible qualification requirements make FHA home loans a smart option for home financing. With minimum of 550 points credit score and 3.5% down payment we can pre-qualify you for the FHA Loan in no time!

Does a home refinance make sense for you?

Has your income

Do you need to
consolidate debt?

Has the equity in your home increased?

Do you need money
for a major expense?

Has your credit
rating improved?

Connect with a New Home Loan Hawaii licensed lending officer now at (866) 696-5527

Frequently Asked Questions

Refinancing your home means taking on a new loan with different terms. To lower your monthly payment, you’ll need a loan that meets one or more of the following criteria:

A Lower Interest Rate – The higher your interest rate, the more you’ll pay for your mortgage both now and in the future. A lower rate equals a lower payment if you don’t shorten the length of your mortgage term.

Gets Rid of Private Mortgage Insurance (PMI) – If you put less than 20% down on your original home loan, chances are you’re paying private mortgage insurance (PMI). If your home has increased in value and/or you have enough equity, you can refinance to eliminate this costly monthly payment.

Refinance to a Longer-Term Loan – When you refinance to a longer-term loan, you’re stretching the amount you owe over a longer period of time. While you might pay more in interest overall, your monthly payment will decrease.