Hawaii Mortgage Loans

NMLS#: 397936

Mortgage interest rates are lower than at any point in history!

Now is the time to consider purchasing your dream home or refinancing your current mortgage.

Hawaii Best Loans LLC

is here to help you!

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            VA Loans

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1288 Ala Moana Blvd. #19E Honolulu HI 96814 US             808-591-1137          ashlee@hawaiibestloans.com

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Ashlee S. C. James

(NMLS#: 368025)

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HAWAII BEST LOANS LLC

Hawaii Best Loans LLC

Phone: 808-591-1137

Mobile: 808-349-1619

Fax: 866-850-8616

ashlee@hawaiibestloans.com

      Hawaii Best Loans LLC (NMLS#: 397936)
      Address: 1288 Ala Moana Blvd, 19E

                    Honolulu, HI 96814
                

Ashlee S.C. James

Hawaii Best Loans

Complete and submit the information form on the right hand side of this page and receive a FREE of your appraisal fee upon closing.

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If you are living in Hawaii or have recently been reassigned to Hawaii, you are probably eligible for a VA loan. As specialists in VA loans, HAWAII BEST LOANS can help you to maximize the benefits of your eligibility, such as: 

Benefits of a VA Loan: 
-
100% Financing…no down payment required.
- Lower payments due to competitive interest rates.
- No Monthly Mortgage Insurance Premiums.
- Little concerns for your lower credit score.
- You can receive a seller’s credit of up to 4% of the sales price.


Additional pay such as BAH and BAS, COLA if you are an active duty, your income can be grossed up to help you qualify for a mortgage loan. 

-
BAH (Basic Allowance for housing)
- BAS (Basic Allowance for Subsistence)
- COLA (Cost Of Living Adjustment) 


Eligibility for VA home loans: 


One of the most important item for a VA loan is COE (Certificate of Eligibility).

Here are the details regarding COE qualifications:

Service during wartime:

-
World War II - September 16, 1940 - July 25, 1947
- Korean War - June 27, 1950 - January 31, 1955
- Vietnam War - August 5, 1964 - May 7, 1975


Service Requirements:

-
At least 90 days active duty - with other than dishonorable discharge
- Less than 90 days active duty - if discharged for a service-connected disability

Gulf War - August 2, 1990 - to be determined

Gulf War - August 2, 1990 - to be determined


Service Requirements:

-
24 months continuous active-duty - with other than dishonorable discharge
- At least 90 days or completed the full term that he or she was ordered to active duty with other than dishonorable discharge
- At least 90 days active duty - and discharged for hardship, early out, convenience of the Government, reduction in force, condition interfered with duty or compensable service-connected disability
- Less than 90 days active duty - if discharged for a service-connected disability


Service during peacetime


- All - July 26, 1947 - June 26, 1950 and February 1, 1955 - August 4, 1964
- Enlisted - May 8, 1975 - September 7, 1980
- Officers - May 8, 1975 - October 16, 1981


Service Requirements:

At least 181* days continuous active duty - with other than dishonorable discharge
Less than 181 days active duty - if discharged for a service-connected disability


If you were separated from service:


- Enlisted - After September 7, 1980
- Officers - After October 16, 1981


Service Requirements:

- 24 months continuous active duty - with other than dishonorable discharge
- At least 181 days or completed the full term that he or she was ordered to active duty with other than dishonorable discharge
- At least 181 days active duty - and discharged for hardship, early out, convenience of the Government, reduction in force, condition interfered with duty or compensable service-connected disability
- Less than 181 days active duty - if discharged for a service-connected disability.


** 90 days applies for war time


Active-duty service personnel:

If you are now on active duty, eligibility can be established after 90 days of continuous active duty.  Upon discharge or release from active duty, eligibility must be reestablished.


Selected Reserve or National Guard:

If you are not otherwise eligible and you have completed a total of six credible years* in the Selected Reserve or National Guard (member of an active unit, attended required weekend drills and two-week active duty for training) and one of the following:

- Were discharged with an honorable discharge
- Were placed on the retired list
- Were transferred to the Standby Reserve or an element of the Ready Reserve other than the   Selected Reserve after service characterized as honorable service
- Continue to serve in the Selected Reserve

*Individuals who completed less than six years may be eligible if discharged for a service-connected disability.

Ref
-

https://www.benefits.va.gov/homeloans/purchaseco_eligibility.asp 



Call Hawaii Best Loans LLC at 808-591-1137
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questions every day.