FIRST TIME HOMEBUYER PROGRAM FREE

FIRST TIME HOMEBUYER PROGRAM FREE

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In addition to financing, youвЂ™ll need to budget cash for a down payment, closing costs reserves, prepaid tax, insurance, and maintenance fees. Know whatвЂ™s in your wallet before you start shopping. A homeownership education course or mortgage toolkit are key resources. Research and familiarize yourself with the overall homebuying process. Must be an owner-occupant and use subject property as your primary residence.Must not have owned or had any interest in a principal residence, within or outside the state of Hawaii.Must be a United States citizen or permanent resident.If you have any questions or need assistance with your mortgage application, please call us at (808) 534.4300 or (800) 379.1300.Opportunity to gain further discounts by completing First-TimeВ Homebuyer education courses.Minimum cash reserves of 2 months PITI (Principal, Interest, Taxes, and Insurance).Flexible qualifying ratios and income limits.Loan origination costs may be waived (certain requirements apply).As low as 3% down payment with mortgage insurance.First-Time Homebuyer mortgages are available to owner-occupants.

Our Mortgage Loan Officers provide you with know-how and tools to prepare you for your purchase. The mortgage experience can feel intimidating, but it helps to know you have the guidance of a trusted advisor. This program is designed to help you with one of the biggest money decisions youвЂ™ll ever make.

First time homebuyer program