Ohana Mortgage Consultants is an operating group under American Family Lending. American Family Lending is a full service mortgage broker specializing in purchase loans, home equity lines of credit, refinancing, and creative lending solutions in the State of Hawaii.
Our service niche is mortgage education! We give private in-home seminars, as well as large group sessions, dedicated to educating the average consumer about mortgage loans.
Why mortgage education?
Bottomline, its how mortgage origination should be done! We feel that an informed and educated client is one that will avoid bad loans and foreclosure. Our customers are less stressed, less confused, and are much happier doing business with a mortgage firm that keeps them apprised of the situation, are up-front, and does not deal with marketing gimmicks.
We have helped first time home buyers as well as investors acquire the perfect funding solution.
Call American Family Lending today and find out what we can do for you!
Call today! (808) 927-2935
American Family Lending
MLO NMLS# 336568
345 Queen Street Suite 900
Honolulu, HI 96813
Ph: (808) 927-2935
Fax (808) 676-6075
hmsmanagers@gmail.com
The Intelligent Choice!
USDA Financing
- 100% Financing. No down payment required
CLICK HERE FOR USDA PROPERTY & INCOME ELIGIBILITY INFO FHA Financing (Min. FICO 640) CLICK HERE FOR VA GUARANTY HOME LOAN INFORMATION Flexible mortgage terms - 3% Down payment only and can be funded by your own savings; a gift; a grant; or a secured loan from a nonprofit organization, state or local government, or employer CLICK HERE FOR MORE INFO ON FANNIE MAE REO PROGRAM
- Income Limits: 115% of U.S. median
- Maximum loan up to 102% of appraised value
- Guarantee Fee may be financed into loan amount regardless
of appraised value
- One-Time price
- No monthly Mortgage Insurance Premium
- No Case Reserve Requirement
- Borrowers do NOT have to be first-time homebuyers
- No limit on seller contributions
- Up to 97.75% Financing
- Non-Occupying Co-Borrower Allowed
- 3.5% must come from Borrower's own funds
- 3% Gift Funds
- Seller Contribution up to 6%
- FHA Streamline does not require APPRAISAL in most cases!
- FHA 203(k) Home Rehabilitation Program
- FHA Property Flip Waiver Program
- Manufactured Homes ACCEPTED
CLICK HERE FOR FHA INFO and HUD REO Property Data
VA Financing(Min. FICO 620)
- 90% LTV allowed for Cashout or Debt Consolidation Refinance
- Remaining Entitlement can be applied if you already have a VA LOAN!
FANNIE MAE HomePath REO Financing
Loan program for homes foreclosed and Owned by Fannie Mae
- No appraisal required
- No mortgage insurance
- Available for primary residences, second homes, and investment properties
CONSTRUCTION LOANS AVAILABLE!
- Interest Only Payment during construction period
- 12-month construction period allowable
- Home value based on future appraised post-construction
- Cross collateralize other property to help qualify for loan
INVESTORS
Introducing the "GAP LOAN":
- Cross Collateralize Equity in Property to Qualify for Purchase or Refinance of 102% or greater
- Use Sweat Equity on Construction Projects to apply towards Purchase Price and reduce LTV
- No Gift Fund Restrictions
- No Seasoning Requirements on Assets
To consult with an expert knowledgeable in evaluating property/project costs for home rehabilitation or "Property Flipping" and to also assist in finding Investment Property visit: www.tillyrealestate.com
