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Hawaii Mortgage Lenders

Hawaii mortgage lenders have funded the majority of the low income families of the state to purchase their homes. Hawaii is one of the most popular tourist destinations of the world and there are plenty of islands, beautiful beaches and small towns in the state. It is also regarded as a great place to own a home in the entire United States. There has been a rapid development in the real estate business in the state and it has resulted in the rise of a large number of mortgage lenders in Hawaii. With the increase in their number these lenders are in constant competition to offer the lowest possible mortgage rates to the borrowers.

Hawaii mortgage lenders offer several loan options and potential borrowers could make their choice depending on their needs and their financial capabilities. The following are some of the most common mortgage programs made available by home loan lenders in the state.

Adjustable Rate Loans

Hawaii Mortgage Lenders offer adjustable rate loans that normally has a low initial payment during the first few years of repayment. Borrowers could get several adjustable rate programs that include 1 year ARM, 3/1 ARM, 5/1 ARM, 7/1 ARM and 10/1 ARM. This type of home loan is usually preferred by borrowers when there is low mortgage rate condition in the market.

Jumbo Mortgages

Hawaii home loan lenders offer jumbo loans that offer higher loan amount than the conventional home mortgages. Jumbo loans are available in both fixed and adjustable rate options. Some common jumbo loan programs are 15 year fixed jumbo loan, 30 year fixed jumbo loan, 5/1 interest only jumbo and 5/1 jumbo ARM.

Fixed Rate Loans

A reliable Hawaii mortgage lender can offer fixed rate loans that have fixed interest rate and payment amount over the entire loan period. 15 year FRM, 20 year FRM, 30 year FRM and 40 year FRM are the loan programs available with fixed-rate loans.

Cash Out Refinance


This type of mortgage program allow the borrowers to get a larger loan amount compared to their previous home loans. It is normally used to pay off the pending home loan bills and consolidate credit debts or make home renovation.

Other than the loan programs discussed above, Hawaii mortgage lenders also offer debt consolidation loans, FHA loans, new home loan, home improvement loans, bad credit home loans, no equity loans, VA loans and reverse home loans. It is better to deal with online lenders as they offer some additional services like online application and free loan quotes. However, it is very important to deal only with lenders who have the Hawaii mortgage lender license in order to avoid future scams.
 
Mortgage X
Mortgage X is one of the most reliable online directories where one could find a list of the top mortgage lenders in Hawaii. They provide the complete address and contact details of the lending companies.
Website:http://mortgage-x.com/x/listing.asp?st=HI
 
Mortgage Lenders Plus
Mortgage Lenders Plus is a leading home loan lender that can help you get the best mortgage program in the state of Hawaii. They offer a variety of loan options and free loan quotes on their website.
Website:http://www.mortgage-lenders-plus.com/mortgage.asp
 
CityTownInfo.com
At CityTownInfo.com, you can find valuable information on some of the most reputable mortgage lenders in Hawaii. Visit the website of the company to know more about their services.
Website:http://www.citytowninfo.com/lenderdirectory/hi


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