Home Mortgage Lenders Kaneohe 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 Kaneohe and information on home mortgage rates, home loans, and mortgage calculators.

Gmac Mortgage LLC
(808) 263-4622
629 Kailua Road
Kailua, HI
 
Hawaii National Bank
(808) 528-7711
45 N King Street 3Rd Floor
Honolulu, HI
 
Golden Empire Mortgage Inc
(808) 791-1007
201 Merchant St Ste 2230
Honolulu, HI
 
Countrywide Mortgage Ventures LLC
(808) 275-2043
55 Merchant St Ste 162
Honolulu, HI
 
Countrywide Home Loans Inc
(808) 275-8900
55 Merchant St Suite 1600
Honolulu, HI
 
House Of Finance
(808) 847-8493
1810 N King Street Suite A
Honolulu, HI
 
Citizens Mortgage Corp
(808) 678-1600
1101 N King Street
Honolulu, HI
 
Hawaii Mortgage Resources LLC
(808) 526-2499
900 Fort Street Mall Ste 1718
Honolulu, HI
 
Colorado Federal Savings Bank
(808) 566-0505
201 Merchant Street Suite-1800
Honolulu, HI
 
Mortgageit Inc
(808) 547-2310
55 Merchant St Ste 2810
Honolulu, HI
 

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