Endless opportunities to meet all your home loan needs.
Federal Housing Authority (FHA) loans have been helping people become homeowners since 1934. Contrary to popular belief, FHA loans are NOT only for 1st time home buyers.
Some benefits of FHA loans are:
- Low down payments (Minimum 3.5% down payment)
- Down payment can come from a gift from a family member, community grant or 2nd mortgage
- Low closing costs
- Flexible credit qualifying
Why choose an FHA Loan?
FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan. Available on 1-4 unit properties (i.e. single family home, duplex, triplex, etc…)
FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan. Or, if you own a home that you want to remodel or repair, you can refinance what you owe and add the cost of repairs – all in one loan.
You can include the costs of energy improvements into an FHA Energy-Efficient Mortgage.
Have you ever thought of buying a home or condo for your college student to live in while they are away at school? Or maybe you want to buy your first home but need mom and dad’s help. In most cases a college student or young person just starting out does not have enough income to qualify for a loan on their own. With an FHA loan we can use the parent’s income to help the child qualify for the loan as an owner occupied property with just 3.5% down!
Renting Versus Buying Calculator
If you are thinking about buying a home and are currently renting this calculator will help you determine the financial details as well as the benefits when making the switch.
Documents You Will Need
A list of all the necessary documents to get the home loan process underway.
Happy Home Owners
Hear what some of your friends and neighbors have to say about working with Mann Hawaii.
“You took care of all the small details. I had no inconveniences. I found you to be one of the most honest and sincere people I have ever met.”Scott MijaresOwner of Hawaiian Woodys, Home Purchase & Refinance Client
“I received such excellent service in refinancing my loan in 2005 that I came back again in 2006! AND we just purchased a wonderful investment property on Kauai with Tera this 2013.”Dr. Lee Bafalon(Ret.) Sr. Land Rep. Chevron U.S.A., Refinance & Investment Home Purchase Client
“It took me awhile to find a lender I could deal with. My business banker told me about Tera and after our first visit everything went very smoothly. I would rate Tera and her staff at a 10. I have never met anyone like her!”Teo AngelOwner-Sunset Paving and Excavation, Multi-Family Refinance & Home Purchase Client
“I can’t think of anything you could have done better! You are my new best friend. I have told all my friends to use you for all their Hawaii home loans!”AJ NelsonActor and Filmmaker, Investment Purchase Client