Central Pacific HomeLoans Inc

Hours of Operation

Daily 8am-5pm

Hawaii's Mortgage Experts

Products and Services

Other info: The Federal Housing Administration is a division of the U.S. Department of Housing and Urban Development, commonly referred to as HUD. FHA loans were created to provide affordable mortgages to the average homebuyer. The federal government insures FHA loans, or guarantees participating lending institutions against loss from default on qualifying loans. Veterans Administration loans were created to help veterans finance the purchase of their homes with favorable loan terms. For the purpose of the VA program, veteran includes active duty service personnel and certain categories of spouses. Like FHA loans, the federal government insures VA loans, or guarantees VA approved lending institutions against loss from default on qualifying loans. Conforming Loans are those that meet Fannie Mae and or Freddie Mac underwriting requirements. In other words, income, credit, and property requirements must meet nationally standardized guidelines. Conforming loans are subject to loan amount limits that are set by Fannie Mae (FNMA) and Freddie Mac (FHLMC). These limits vary based on the region in which the subject property is located as well as the number of legal units contained in the subject property. Jumbo loans are those that exceed the loan amounts allowed by FNMA and FHLMC. Services: Mortgages, Real Estate Loans, Loans

About Central Pacific HomeLoans Inc

Specialties: FHA Loans-VA Loans-Conforming-Jumbo-Second Mortgages-Reverse Mortgage-Equity Lines. Other info: Using today's advanced automation systems, Central Pacific Homeloans provides borrowers with the necessary tools and resources to make obtaining a mortgage loan from us a fast and efficient process. Offering a wide selection of products, great rates, flexibility, and personalized service, we tailor mortgage solutions to meet our borrower's needs. A simple mortgage process-Our borrowing process is fast, simple and hassle-free. We have eliminated much of the paperwork involved in applying for a mortgage loan in the traditional manner. With Central Pacific HomeLoans, you can inquire about a loan through the internet, over the phone or by fax. If you have any questions, our dedicated loan officers will be happy to assist you. Fast credit decisions and closings-Our online mortgage approval system expedites the loan approval by accessing national underwriting guidelines and confirming the conditions required for loan approval. You no longer need to provide the excessive information and documentation that was required under the traditional application process. Personal Service- After submitting your loan application, a loan officer will personally assist you through each step of the mortgage process by helping you meet your loan approval conditions through coordinating the signing of your closing documents. Central Pacific HomeLoans offers several loan programs. Most loan programs contain different features that can be confusing for even experienced homeowners. The most common loan programs include: FHA Loans | VA Loans | Conforming | Jumbo | Second Mortgages | Reverse Mortgage | Equity Lines.