Financing That Fits!

Conforming Mortgages

Traditional 30- or 15-year fixed-rate mortgages.

• Most popular type of mortgage loan
• Low interest rates
• Low down payment options
• Great for borrowers with good income and credit

Government Programs

Programs backed by the Veteran's Administration or Federal Housing Administration.

• VA Loans for active duty military and veterans. No downpayment required.
• FHA Loans have a low down payment requirement & easier credit qualifying.

Home Equity Line of Credit

Flexible line of credit with a 2-year fixed introductory rate. Great for expenses such as home improvement, tuition, bill consolidation and more!

Jumbo Loans

Mortgage loans up to $5 million for investors or owner-occupants! Flexible, custom solutions to help you reach your goals!

Investor Loans

Our wide array of programs allow us to create custom solutions for real estate investors.

• Options for investors with complex financials
• Loans based on property cash flow
• Combine more than one property on a single loan

Fixer Uppers

Financing for properties needing repairs  renovations, or a complete tear-down.

• We're experts in Hawaii real estate financing and provide solutions for properties in poor condition
• Non-conforming properties ok
• Purchase or refinance
• Investor or owner-occupant

Construction Loans

Short-term loans for owners of vacant lots who want to build on their property.

Foreign Investors

Specialized loan program that addresses the needs of foreign real estate investors.

Condotels

Financing for purchase or refinance of a condotel unit.
 

Land Loans

Purchasing land to build your dream home? This is the program for you.

No/Low Down Payment Solutions

We're here to help provide solutions for no/low down payment situations.

• Unique program using equity in a parent's home as the down payment
• Solutions for Investors using multiple properties
• As low as 3% down with Home Possible program

Other Programs

Finance Factors is here to help! We have a variety of other programs including:

• Loans for agriculture-zoned properties
• Bridge Loans to buy a new property before selling your existing property
• Flexible underwriting to address Unusual Income, Title, or other borrower situations