McKay Wilson
Team Leader
Mortgage Loan Officer

Contact: 808.389.1138
NMLS #: 1336741

Email Me
 

OUR PRODUCTS

  • Conventional

    • As little as 3% down
    • Lender paid mortgage insurance available
    • Closing costs can be paid by lender
    • Fixed rate terms: 30, 25, 20, 15, and 10 year loans
    • 3yr, 5yr, 7yr, and 10yr ARMS
    • High Balance up to $721,050 (Honolulu County)
    • Primary residence / Second Home / Investor
    • Refinances: Rate/Term or Cash-out
    • Credit Scores as low as 620
  • Jumbo

    • As little as 5% down with no Mortgage Insurance
    • Fixed Rate and Adjustable Rate terms available
    • Full Doc, Asset Depletion, or Bank Statement programs available
    • Primary residence / Second Home / Investor
    • Refinances: Rate/Term or Cash-out up to $1,500,000
  • VA

    • 100% Financing Available (up to $721,050 in Honolulu County) with no Mortgage Insurance
    • Fixed Rate and Adjustable Rate terms available
    • Closing Costs can be paid by Lender or Seller
    • Jumbo VA Loan Amounts up to $2,000,000 and higher with down payment
    • Primary residence transactions only (Streamline refinance does not have to be owner occupied)
    • Refinances: IRRRL (Streamline refinance with no appraisal or out of pocket expense) or Cash-Out

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  • USDA

    • 100% Financing available
    • Affordable monthly mortgage insurance
    • 30 year fixed rate term only
    • Primary residences located in designated rural areas only
    • Subject to income restrictions set by USDA
    • No Reserves required
  • 1% Down

    • Borrower puts down 1%, Lender contributes 2%, giving 3% equity at closing
    • Reduced monthly mortgage insurance coverage requirements
    • Also available with no monthly mortgage insurance
    • Primary residences purchases only
    • Not Required to be a First Time Home Buyer
    • Minimum FICO credit score of 720

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  • HomeReady by Fannie Mae

    • As little as 3% down
    • Cancellable monthly mortgage insurance with reduced premiums
    • Competitive rates compared to standard Conventional loans
    • Up to $636,150 Loan Amount (Honolulu County)
    • Primary residences purchase and refinance
    • Some areas may be subject to income restrictions

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  • Home Possible by Freddie Mac

    • As little as 3% down
    • Cancellable monthly mortgage insurance with reduced premiums
    • Competitive rates compared to standard Conventional loans
    • Up to $636,150 Loan Amount (Honolulu County)
    • Primary residences purchase and refinance
    • Some areas may be subject to income restrictions

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  • Doctor & Dentist Loans

    • 10% Down payment with no mortgage insurance
    • Jumbo loan amounts up to $1.5 Million
    • Ideal for Medical School Graduates
    • Deferred student loan debt can be omitted from qualification
    • Future employment income may be used to qualify
    • Primary residences purchases
  • Updates Coming Soon!

    • Stay tuned while we update this page with more of our available programs such as:
      • Private Money Loans
      • QM Jumbo
      • HELOC’s
      • Reverse Mortgages
      • And more…