Lower Your Payment

Refinance – Lower Your Payment – Image

Reduce monthly out-of-pocket expenses

Wondering if there’s a way to lower your monthly mortgage payment and reduce your monthly out-of-pocket expenses? The good news is that there isn’t just one way. There are several factors that can help.

Improved credit profile
If your credit profile, including your credit score has improved, you may now be in a position to be eligible for a loan with a lower interest rate. In addition, other factors help a borrower be eligible for a lower rate, including a lower loan-to-value ratio (i.e., home value has increased) and lower debt-to-income ratio (i.e., income has increased or debt has decreased). 

We can review your current credit score, the terms of your existing mortgage, and options for other loan programs that could not only reduce your monthly payment, but also save you money on interest fees paid over the life of the loan.

New loan program
We can provide you with a loan comparison to find out if you can save money with another type of loan program.

Lower interest rate
Securing a lower interest rate can make a big difference in your monthly out-of-pocket costs for housing and save money on financing fees over the life of the loan.

Give us a call today. We can review your options and help you decide if refinancing makes sense for you.


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
Email: info@honhl.com


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