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

U.s. Financial Mortgage Corporation
(808) 822-4423
4568 Kukui St
Kapaa, HI
Home123 Corporation
(808) 632-2224
4370 Kukui Grove St Ste 110
Lihue, HI
Guild Mortgage Company
(808) 651-3210
4141 Lei O Papa Rd Apt 35
Princeville, HI
Sun West Mortgage Co Inc
(808) 647-4552
4569 Kukui St
Kapaa, HI
Foundation Mortgage LLC
(808) 823-8050
4-1565 Kuhio Hwy
Mortgage Brokers

Guild Mortgage Company
(802) 245-2200
4370 Kukui Grove St Ste 201
Lihue, HI
First Magnus Financial Corp
(808) 245-5118
3016 Umi St Ste 208
Lihue, HI
Mortgage House Inc
(800) 305-9731
5-4280 Kuhio Hwy # G204
Princeville, HI
Kauai Mortgage CO Inc
(808) 822-1167
4-1579 Kuhio Highway Suite 208
Mortgage Brokers

Western Paradise Financial
(808) 823-0083
4-831 Kuhio Highway Ofc
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