Conforming long-term, fixed-rate and adjustable-rate loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. 40, 30, 25, 20, 15, and 10 year loan terms available for most conforming fixed-rate products.  Financing can be for single family up to 4 units on conforming loans.

* Rates subject to change based on individual credit and income scenarios.

These loans start with an interest rate that is below a fixed rate mortgage, and could allow you to buy a more expensive home. A caveat, however, is that the interest rate changes at specified intervals; if interest rates go up, your monthly mortgage payment will go up, too. However, if rates go down, your mortgage payment will drop also.

There are also mortgages that combine aspects of fixed and adjustable rate mortgages - starting with a fixed-rate for five years, for example, and then converting to an adjustable rate. 

If you are a military veteran or active military looking to purchase a home with no money down, you're in luck if you qualify. VA mortgage loans can be guaranteed with no money down. An added bonus? No private mortgage insurance requirement with a VA guaranteed loan. The VA even offers help for those looking to refinance. Don't investigate these benefits without asking for information about the interest rate reduction loan, part of something called the Streamline Refinancing Program, which allows veterans to refinance at little or no expense to them. We can give you all the details you'll need to take full advantage of your VA home loan benefits

Need to refinace an existing VA loan?  We can do a Streamline Interest Rate Reduction Loan (IRRL).  Most times no income verification and appraisal is needed. 

Call us for more information.

FHA is one of the last remaning low down payment programs designed for first time homebuyers.  A minimum of 3.5%  downpayment is required.  The borrower's downpayment may come from a number of sources. The 3.5% requirement can be satisfied with the borrower using their own cash or receiving a gift from a family member, their employer, labor union, non-profit or government entity. Non-occupying co-borrowers are also allowed on this loan program.

Call us for more information regarding FHA financing.

One of the last 100% loans available.  Section 502 loans are primarily used to help low to moderate income individuals or households purchase homes in defined rural areas.  Buyers must not currently own any real estate and must qualify based on lenders minimum credit scores and income guidelines. Call for information if the home you are planning on buying meets this criteria. 

We offer 100% purchase loans for those of you who qualify.  We will do a first mortage for 80% and a second mortgage for the remaining 20% or a combination that will work best for you.  We can finance up to a purchase price of $875,500.

If you are a homeowner age 62 or older and have paid off your mortgage or have only a small mortgage balance remaining, and are currently living in the home, you are eligible to participate in FHA's reverse mortgage program. The Home Equity Conversion Mortgage (HECM) is FHA's reverse mortgage program which enables you to withdraw some of the equity in your home. You choose how you want to withdraw your funds, whether in a fixed monthly amount or a line of credit or a combination of both.

You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.

Call us for more information.

Mortgage loans that exceeds the conforming mortgage loan amount of $625,500 is considered a Jumbo Loan. Remember, this is the mortgage loan amount...not the value of the house.

We understand the needs of the "jumbo borrower" and offer a wide range of mortgage loan products to ensure we meet all of your mortgage loan needs.  We will explain all of your mortgage loan options and keep you updated every step of the way.  Call us today! 

A home equity line of credit (HELOC) is a variable-rate, revolving line of credit based on the available equity in your home and other qualifying criteria. Once approved, you can use your credit line for immediate needs or use it as a security blanket when you need flexibility to a loan interest loan. Unlike many traditional credit cards, the minimum payments are much lower and the interest may be tax deductible; please consult your tax advisor about this.

Home equity financing is most often used for fixing up the house, putting the kids through college, buying a car or consolidating debts. You can access your line of credit by check or credit card. HELOCs are available up to 90% of the available equity in your home.

Commercial lending is highly customized. Many components of the loan that include index, margin, amortization, term, and fees are customized based on the risk profit analysis made by investors. Below are some available commercial loans:

• Office
  Office buildings with single or multiple office tenants.
• Retail
  Properties with a mix of tenants. Retail properties may include grocery or drugstore anchored centers, strip centers, enclosed malls, or specialty retail uses.
• Multifamily Mortgages
  Properties with five or more individual household units including appartment complexes.
• Mixed-Use
  Properties that integrate and combine residential spaces with other uses, including retail and office.
• Light Industrial
  Single or multi-tenanted spaces used for warehouse, manufacturing, distribution, or research and development
• Commercial Construction
  Construction loans for any of the above uses and for high-rise residential or commercial buildings.

• Construction to Permanent -  One loan, one closing, and one set of fees! We offer a Construction-to-Permanent loan that combines the construction and permanent financing into one loan--taking you from groundbreaking to completion in one easy process.
• Construction only - We also offer a construction only program which is ideal for spec-homes and investment construction.

If you are visiting us and want to purchase property here in Hawaii, we offer financing for you too.  Please call us for more information.

Some condominium units in Hawaii are unique and do not fall within conforming Freddie Mac and Fannie Mae guidelines.  These mortgages in condotels, lodging Units and COOP's require specialized financing and at Equity Financial Group, we are experienced in financing these unique properties.  Please call us for more information.

Select our Lot loan if you are looking to purchase a residential lot for future construction of your primary residence or second home. Then, when you are ready to build, we will help you with your Construction-To-Permanent loan.

Want to get our of your ARM, option ARM or high interest rate.  We can help you refinace your mortage even if you lost the equity you put into your home up to 125% of your current value.  These are special refinace programs that are offered to those that meet special criteria.  Call us to see if you qualify.