Here To Make Your Home Goals Happen

Thinking Of Purchasing A New Home?

Let us help you through the mortgage process. From simple mortgages to complex situations, we're here to help you achieve your home goals.

Mortgage 101
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Learn more about the road to homeownership.

  • Down Payment Requirements
  • Mortgage Milestones

Explore Our Programs
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From simple mortgages to complex situations, Finance Factors has a wide range of programs to fit your mortgage needs.

Next Steps
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Let us guide you through the process and help you get prequalified. Getting prequalified will help you and your Realtor when shopping for your new home!

Ready To Apply?
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Find A Loan Officer or get started online today!

2-2-2-2 Document Checklist
Having the following documents handy will help speed up the application process:
  • 2 year's federal tax returns
  • 2 year's W-2s
  • 2 Most recent paystubs
  • 2 months complete bank statements
Self-employed borrowers may be asked for additional information

Today's Mortgage Rates

30 Year Fixed Rate Mortgage
4.375
%*

Loan Calculator
15 Year Fixed Rate Mortgage
3.500
%**

Loan Calculator
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*A $200,000 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 360 principal and interest monthly payments of $998.57 based on a 30 Year Fixed Rate at 4.375% with 1.875 points and 4.655% APR.

**A $200,000 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 180 principal and interest monthly payments of $1,429.77 based on a 15 Year Fixed Rate at 3.500% with 2.000 points and 3.990% APR. 

The payments shown above do not include taxes and insurance premiums, actual payment obligations will be greater. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $970,800. Rates effective 4/6/22 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.