Hawaii mortgage loans is committed to helping you find the right mortgage product for your needs in Napili-Honokowai. We understand that every borrower is different, and we off a varity of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.
This mortgage rate quote form will take approximately 60 seconds to complete. Here's how our service works:
1. Complete our short form below
2. We will search hundreds of mortgage lenders and thousands of loan programs in our database
3. You will then receive quotes from up to 4 competitive lenders in your state
4. You choose the mortgage lender with the best rate and loan terms and save money!
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Our fast Mortgage application will help you find the perfect lender. It takes only one minute
This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home's sale price, the term of the loan desired, buyer's down payment percentage, and the loan's interest rate. This calculator factors in PMI (Private Mortgage Insurance) for loans where less than 20% is put as a down payment. Also taken into consideration are the town property taxes, and their effect on the total monthly mortgage payment.
It wasn't so long ago, that when you wanted to buy a house, you
simply put on your best suit and went to see your local bank
manager and accepted whatever loan he was prepared to offer you.
It may not have been the best loan, or the cheapest, but it was
certainly a straightforward process.
These days with new lenders and new products popping up almost
every day, there are a huge range of loans, offers and specials
on the market. There is certainly a much greater chance that the
right loan for you is out there - the biggest challenge, is
finding it!
This is where the finance broker comes in. Instead of you going
from one lender to another, making endless phone calls,
researching on the internet and sifting through the endless
amount of industry jargon, a finance broker can do it all for
you. If you choose the go-it-alone route, you might be lucky to
compare three or four different products. Brokers can compare
hundreds!
A Chocolate Home Loans broker will also help you understand the
various deals that are on offer, explaining all the features and
details that might make a big difference to your repayments. And
what is more, your broker will lodge your application and chase
it through with the lender - so you don't have to. Your
Chocolate broker is a single point of contact throughout the
entire process and has a whole processing team supporting them.
How do I recognise a good one from the rest?
The mortgage broker you choose should offer a free service as
their commissions are paid by the banks.*
They should be Members of the Mortgage Industry Association of
Australia (MIAA) as membership is offered only to brokers who
have undergone thorough training and maintain high technical and
ethical standards.
The broker should also subscribe to the Credit Ombudsman Scheme
which is a voluntary dispute resolution scheme. This means that
if there is a dispute between you and your broker, you can take
advantage of the independent dispute resolution process.
Ensuring the broker is also part of a large and reputable
Aggregator, ensures they have access to a large range of
lenders. One Aggregator (Professional Lenders Association of
Australia) also has a minimum industry education and compliance
criteria for all their members.
The reputation of the broker is essential to using them. Ask
friends, your family and business contacts you have, to
recommend brokers they have used and are happy with.
* If you have complex commercial requirements, or ask the
broker to use a lender which does not pay commission, you may
expect to be charged a small brokerage fee
Where do I find a good mortgage broker?
Choosing a mortgage broker is like selecting any professional -
you need to find one who is experienced and whom you can trust.
Getting their details from a friend, a family member, an
Association you belong to or even your employer is often a good
way to start.
Checklist for choosing a broker: YES NO A member of the MIAA
A member of a large Aggregator (eg. PLAN or AFG) Part of
a reputable company network with head office support and
training A full time finance broker Happy to disclose
fees and commissions Is aligned to large organisations and
provides their staff and members with finance Covered
adequately by Professional Indemnity insurance Pays its
Lending Consultants the same rate - independent of which lender
or loan you choose.
Some questions to ask:
How many banks and financial institutions can they offer?
Do they have specialist software to compare loan products?
Do they have electronic lodgement capabilities with the lenders?
Does the broker undertake ongoing professional training?
What is their organisation's customer charter or values?
What privacy guidelines do they adhere to and what happens to
your personal information?
About the author:
Harry Pontikis is the Director of Chocolate Homeloans and has a
lifetime of experience in delighting people with his honesty,
integrity and professionalism. Harry leads a team of 48
experienced finance brokers who specialise in helping people
realise their dreams through the purchase of their first home or
investment properties. Chocolate Home Loans has access to
thousands of loans from 50 Lenders to ensure that consumers get
the best loan option