Our Weekly Newsletter – Now in its 17th year of publication

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12/28/2024 – One Heck of a Year! (Part 1)

Compliments of President | NMLS #: 297154 Company NMLS #: 232582 Hawaii Mortgage Company, now in our 25th year of providing mortgages to the people of Hawaii, is proud to continuously earn an A+ rating from the BBB of Hawaii. Mortgage Market News and Insight For the Weekend of December 28th, 2024   One Heck…

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12/21/2024 – Why are Real Estate Transactions Public?

Compliments of President | NMLS #: 297154 Company NMLS #: 232582 Hawaii Mortgage Company, now in our 25th year of providing mortgages to the people of Hawaii, is proud to continuously earn an A+ rating from the BBB of Hawaii. Mortgage Market News and Insight For the Weekend of December 21st, 2024 Why Are Real…

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12/14/2024 Hawaii’s Tax Cut Shell Game

Compliments of President | NMLS #: 297154 Company NMLS #: 232582 Mortgage Market News and Insight For the Weekend of December 14th, 2024 Tax Cut Shell Game I’ve used the saying “there’s no free lunch” repeatedly over the years in this newsletter.  You don’t hear it used much any longer, and I sometimes wonder if…

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12/7/2024 – Hard-Pull vs. Soft-Pull Credit Reports

Compliments of President | NMLS #: 297154 Company NMLS #: 232582 Mortgage Market News and Insight For the Weekend of December 7th, 2024 New Loan Limits What’s one of the good things about Hawaii’s sky-high home prices?  Higher maximum loan limits!  Hawaii is one area of the country that Fannie Mae and Freddie Mac designate…

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11/23/2024 – When Your Mortgage Gets Transferred to Another Servicer

Compliments of President | NMLS #: 297154 Company NMLS #: 232582 Mortgage Market News and Insight For the Weekend of November 23rd, 2024 When Your Loan Gets Transferred Today, let’s delve into loan servicing!  My clients Matt and Lydia received a notice that their loan, just three months old, was being transferred to another company. …

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11/16/2024 – What is a Mortgage Consultant?

Compliments of President | NMLS #: 297154 Company NMLS #: 232582 Mortgage Market News and Insight For the Weekend of November 16th, 2024 A Mortgage Consultant? I received a call this week from a person on the mainland inquiring about getting a mortgage for one of his clients.  He gave me a somewhat sketchy story…

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11/9/2024 – Election Impact

Compliments of President | NMLS #: 297154 Company NMLS #: 232582 Mortgage Market News and Insight For the Weekend of November 9th, 2024 Election Impact Now that Donald Trump has won the election and the Senate has flipped back to the Republicans, until actual policy is put in place, investor perception of that future policy…

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11/2/2024 – The Election and Mortgage Interest Rates

Compliments of President | NMLS #: 297154 Company NMLS #: 232582 Mortgage Market News and Insight For the Weekend of November 2nd, 2024   The Election and Mortgage Interest Rates I’m going to try my best and give you an unbiased explanation of what to expect depending on who wins the election next week.  To…

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10/26/2024 – The Perils of Paradise

Compliments of President | NMLS #: 297154 Company NMLS #: 232582 Mortgage Market News and Insight For the Weekend of October 26th, 2024 The Perils of Paradise We are all feeling the effects of rising insurance rates for homes and condos throughout the state.  The insurance companies claim they have had to reevaluate the associated…

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10/19/2024 – Taxing Vacant Homes

Compliments of President | NMLS #: 297154 Company NMLS #: 232582 Mortgage Market News and Insight For the Weekend of October 19th, 2024   Volume 17 – Issue 7 Taxing Vacant Homes Oahu is no different that its neighbor island counties when it comes to having a shortage of homes for its residents.  The news…

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