We have helped veterans achieve their dream of home-ownership! It’s our mission to serve and educate veterans so they can own a piece of land that they swore to defend. We offer unparalleled service and expertise. Get aligned with the truth of your VA Home Loan Benefits. Our team's expertise provides a smooth loan process for the borrower, often closing within a month. Do not let anyone tell you it takes too long to close a VA Loan!
100% financing, offering no money down options
No private mortgage insurance needed, thanks to the guaranty provided by the VA
Flexible qualification requirements
Closing costs and the VA Funding Fee can be borrowed and rolled into the loan
You may have heard:
"I have already used my VA benefit once; I cannot use it again"
"I cannot have multiple VA Loans"
"I cannot use my spouse's income to help qualify"
"There is always a funding fee"
These are all myths, none of the above are true!
One of the most asked questions we get is "What credit score do I need for a VA Home Loan Benefit?"
The VA does not have any credit requirements because they do not lend the money, the lender does!
Lenders set the requirements.
The VA home loan remains one of the only lending programs on the market that offers a *zero down payment mortgage. Most lending programs require at least some form of down payment, with popular amounts ranging from *3.5% to 20%. So, if you’re purchasing a $200,000 home, that could mean coming up with at least $7,000 and as much as $40,000. Borrowers using the VA loan can purchase immediately with no money down, avoiding years of saving up and paying rent to someone else.
VA loans do not require mortgage insurance, even when the home buyer is putting no money down. As a result, the buyer not only saves cash up front but can also save thousands over the lifetime of the loan and give the buyer more purchasing power when shopping for a home.
The VA home loan has very flexible underwriting guidelines compared to conventional mortgage and other types of home loan financing. Credit scores can go as low as 40 points lower than conventional loans, and underwriters can approve the loan based on makes-sense financing.
VA loans also allow for a higher debt-to-income ratio than other types of mortgages. Because of this, borrowers qualify for tens of thousands more in purchase price than if they used conventional financing in some markets.
If you are on our website right now, it is probably because you just got orders to Hawai'i or you are getting ready to PCS here! Congratulations, Hawai'i is truly paradise!
Living in Hawai'i is a dream for most people!
Hawai'i has incredible beaches, amazing views, great food and all sorts of activities. Why would you not want to live here?
The Team at Oahu Military Real Estate has heard it all, everything from: "I am only here for three years!" to "It is just too expensive."
Fear is the number one reason people do not buy in Hawai'i. People also do not realize that there is a cost to waiting to buy a home in Hawai'i.
In January of 2020, The Blue Water Navy Act began!
The max no money down limit tied to the county loan limit has been lifted, if you do not have any entitlement used!
This new act has been a total game changer for veterans in Oahu!
Buying a home is probably the biggest purchase of your life!
One of the biggest questions you may be asking yourself is: "Where do I start?"
Maybe you know where to start and your biggest question is: "How long is it going to take for me to get the keys to my new home in paradise?"
Larry Gonzales NMLS #1452722 has the answer to both those questions and can explain all the steps in between
One of the best parts about the home buying process is house hunting, but what are you actually able to buy?
Your ideal home in paradise might not be a house and you might be asking yourself: "Can I buy a condo with my benefit?"
What if your ideal home is a bit of a "fixer-upper"?
Please visit our Disclosures Page for more details for all types of loans.