Home Mortgage Lenders Kailua Kona HI

With the money borrowed from the home mortgage lenders at banks, a home buyer can own a house without paying much money up front. See below to learn more and to gain access to home mortgage lenders in Kailua Kona and information on home mortgage rates, home loans, and mortgage calculators.

American Mortgage Group Inc
(808) 331-1190
75-5629 Kuakini Highway Ste-G
Kailua-kona, HI
 
Central Pacific Homeloans
(808) 938-2516
73-5619 Kauhola St # 208
Kailua Kona, HI
 
Hawaii Homeloans Inc
(808) 329-8183
73-5619 Kauhola Street
KAILUA KONA, HI
Services
Mortgage Brokers

Charter Funding Hawaiis Mortgage Banker Kona
(808) 326-2632
75-170 Hualalai Road
Kailua Kona, HI
 
Allstate Home Loans Inc
(808) 334-1785
75-167 Kalani St Ste 205
Kailua Kona, HI
 
Allstate Home Loans Inc
(808) 334-1785
75-167 Kalani St Atrium Court
Kailua Kona, HI
 
First Magnus Financial Corp
(808) 326-2632
75-170 Hualalai Rd Ste B105
Kailua Kona, HI
 
Territorial Savings Bank
(808) 329-0707
75-5751 Kuakini Highway Suite 107
KAILUA KONA, HI
Services
Mortgage Brokers

Royal Pacific Mortgage
(808) 327-9499
75-5995 Kuakini Highway Suite 511
KAILUA KONA, HI
Services
Mortgage Brokers

Allstate Funding
(808) 334-1785
75-167 Kalani Street Suite 205
KAILUA KONA, HI
Services
Mortgage Brokers

Energy Efficient Mortgages (Part 2)

An energy efficient mortgage acknowledges that homes that are energy efficient generally cost homeowners less to maintain on a monthly basis as oppose to other standard homes. Buying a energy efficient home allows a homebuyer to be able to spend money on other items for the house because their energy bills will be reduced. Energy Efficient Mortgages (EMM) allows borrowers to take out bigger mortgages because their monthly energy expenses on a energy efficient home won’t be as expensive meaning that they will most likely be able to pay the loan off faster. With a EEM you can also take a standard home and make it energy efficient.

How can a EEM benefit a borrower?

There are several ways a borrower can benefit by taking out an EEM. Well, first the borrower’s income and the estimated energy savings are analyzed allowing the borrower to qualify for a larger mortgage loan. Also the borrower’s buying power is increased permitting the borrower to include the total cost of any energy improvements into the total mortgage loan amount. Then because of the energy improvements the house value is increased.
 

Can Your Home Qualify for A EEM?

Energy Efficient Mortgages can be used for newly constructed homes. Your home must be a single-family, a owner occupied residential , a one unit house or a condominium in order to qualify for a EEM. Before you can take out a EEM you must first have a RESNET report evaluation. The RESNET report determines your home energy efficiency in it’s current state. After a RESNET report is done then you will receive a energy home rating. A energy home rating measures your home energy efficiency. A home energy rater that’s accredited by the RESNET rating system will conduct a home inspection. They will look at things like your home heating and cooling system, window to wall ratios and insulation levels just to mention a few. Then you will receive a energy rating score between 1 to 100.
 
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Hawaii Mortgage Licensing Body

Website: hawaii.gov

Phone: (808) 586-2820

State: Hawaii

Licensed By: Division of Financial Institutions

Additional Info: Division of Financial Institutions