We see a chance to do home loans differently. We want to the tough deals and to help the non-conventional borrowers. The people who want so badly to buy a home, but found no one else was willing to sit down and figure out a path to get them their keys.Our goal is to do the heavy lifting and make the impossible deals possible.
Jeff Haynes
I have worked full-time in the Hawaii real estate industry since 2016. I started out in home sales and property management. Over the years, my team and I successfully closed more than $100 million in real estate sales. This experience gave me a deep understanding of how our local market works. It taught me exactly what it takes to help buyers and owners navigate the unique housing market here in our beautiful islands.NMLS: 2719534
Our Programs
Government Loans
Conventional Loans
Other Options
FHA
FHA 203(k)
USDA
VA
Primary Residence
Secondary Residence
Investment Property
Down Payment Assistance
| Loan Program | Min. Credit Score | Min. Down Payment |
|---|---|---|
| VA | N/A | 0% |
| USDA | 600 | 0% |
| Conventional (FTHB)* | 640 | 3% |
| FHA & FHA 203(k) | 580 | 3.5% |
| Conventional | 640 | 5% |
| FHA (Damaged Credit) | 500 | 10% |
| Secondary Residence | 640 | 10% |
| Bank Statement | 640 | 10% |
| DSCR** | 680 | 20% |
* First Time Home Buyer. A borrower who hasn't owned a home in the past three years is considered a first time home buyer, even if they've purchase a home in the past.
**Debt Service Coverage Ratio. These are investor only products and are not eligible for primary or secondary residence.