Loan Programs

Loan Programs - Image

Types of loans 

We offer a variety of mortgage loan products and programs. We can help determine which type of program would be the best option for you. Ask us for more details.

Fixed Rate Mortgage
A mortgage in which the interest rate is fixed for the term of the loan. Terms include 30, 20, 15 or 10 years.

Adjustable Rate Mortgage (ARM)
A mortgage in which the interest rate is adjusted periodically based on a preselected index and margin.

Conventional Loan
Conventional loans are not insured by any government agency, and they are the most common type of mortgage. Conforming conventional loans follow the loan amount guidelines set by Fannie Mae and Freddie Mac. Nonconforming loans don't meet those guidelines, but are still considered conventional. Conventional loans often have higher down payment requirements than government-sponsored loans like VA, USDA and FHA.

VA Loan
Mortgage loans available to eligible veterans that are backed by the U.S. Department of Veterans Affairs. VA guaranteed loans are made by private lenders, such as banks or mortgage companies, for the purchase of a home for a buyer’s own personal occupancy. These loans offer competitive rates and require little or no down payment.

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Loans guaranteed by the USDA remain one of the few nationally offered loan programs available with no down payment requirement. The program has both property and maximum household income restrictions. These requirements are dependent on the physical location of the property and the total income of all members of the household.

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FHA Loan
A loan insured by the Federal Housing Administration open to all qualified home purchasers. While there are limits to the size of FHA loans, they are generous enough to handle moderately priced homes almost anywhere in the country. FHA loans offer a low down payment.

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3% Down Payment Programs
Fannie Mae and Freddie Mac are offering low down payment mortgage programs starting at 3 percent. These are called HomeReady and HomePossible, respectively.

Download flier. Click here.


Honolulu HomeLoans, NMLS #314918, is Hawaii's largest locally owned mortgage banker, helping thousands of Hawaii families obtain their dream home or refinance their current property. Our vision is to consistently bring a positive, progressive lending experience and a wide variety of products at a competitive price to all walks of life. With more than 1,000 combined years in the real estate, finance and mortgage banking industries, HHL is also Hawaii's most experienced mortgage company. ...



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- NMLS: 314918
745 Fort Street #1001
Honolulu, Hawaii 96813
Phone: (808) 681-7500


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