Traditional 30- or 15-year fixed-rate mortgages.

• Most popular type of mortgage loan

• Low interest rates

• Low down payment options

• Great for borrowers with good income and credit

Programs backed by the Veteran's Administration or Federal Housing Administration.

• VA Loans for active duty military and veterans. No downpayment required.

• FHA Loans have a low down payment requirement & easier credit qualifying.

Our wide array of programs allow us to create custom solutions for real estate investors.

• Options for investors with complex financials

• Loans based on property cash flow

• Combine more than one property on a single loan

Financing for properties needing repairs  renovations, or a complete tear-down.

• We're experts in Hawaii real estate financing and provide solutions for properties in poor condition

• Non-conforming properties ok

• Purchase or refinance

• Investor or owner-occupant

We're here to help provide solutions for no/low down payment situations.

• Unique program using equity in a parent's home as the down payment

• Solutions for Investors using multiple properties

• As low as 3% down with Home Possible program

Finance Factors is here to help! We have a variety of other programs including:

• Loans for agriculture-zoned properties

• Bridge Loans to buy a new property before selling your existing property

• Flexible underwriting to address Unusual Income, Title, or other borrower situations