*The appraisal credit is valid for up to $650 in appraisal fees. If the appraisal fee exceeds $650, borrower is responsible for the difference. This credit only applies if your loan closes and records. If your loan doesn’t close and record, and Honolulu HomeLoans has incurred an appraisal expense, borrower is responsible for the cost of the appraisal. Offer is not valid for new condominium project loans. To be eligible for this promotion, the new purchase loan must be: 1) a conventional loan or government loan originated and closed through a Honolulu HomeLoans retail loan officer, not including Non-Conforming loans; 2) a first mortgage purchase transaction without subordinate financing; and 3) be a single-family residence (if the property is a condominium, it must be on Honolulu HomeLoans’ Approved Condo List). The following requirements must also be satisfied: 1) borrower must complete a written mortgage application on or before October 31, 2018; 2) provide the following: satisfactory income, acceptable asset and liability documentation, signed disclosures and intent to proceed, application deposit, fully executed sales contract and any other documentation required by the chosen lender to render the loan decision and receive full approval as an applicant); 3) loan must close and record with Honolulu HomeLoans and may not be brokered by Honolulu HomeLoans to another lender; and 4) the loan must record by December 31, 2018. Not valid with any other offers. Other restrictions may apply.