Benefits to VA Home Loans

100% financing up to $721,050. No mortgage insurance. VA loans greater than $721,050 can be borrowed with a down payment.

Easier qualification. Past credit challenges can be forgiven or given a short seasoning

Lower monthly Payment.  In general, VA loans interest rate are lower than conventional loans.

The Service Member is able to use the VA loan multiple times

The Service Member closing costs can be paid for by a lender credit.

Refinancing VA loans are simple. Limited documentation provided.

In general, a service member is eligible for a VA loan if he or she has met one of the following requirements:

-Served 181 days during peacetime (Active Duty)

-Served 90 days during war time (Active Duty)

-Served 6 years in Reserves or National Guard

-Spouse of a service member who died while in service or from a service-connected disability.

Why Help our Hawaii Veterans?

Active duty and retired veterans all have one thing in common – They risk their lives to serve our country.  Many Veterans have died or have become injured from their service in the military.

The spouses and families of Veterans have risk their relationships from long deployments.  A child’s high school graduation, birth of a child, and special occasions are missed from the deployments.

Hawaii’s Military is the number two economic engine supporting Hawaii.  This includes contract workers, retires, and Department of Defense workers.  We must support our military by providing them with the “American Dream”.