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Blog Image: Is My Credit Score Good Enough for a Mortgage?

Is My Credit Score Good Enough for a Mortgage?

With interest rates near all-time lows, now is a perfect time to get a good deal on a mortgage. Of course, every refinance or home purchase loan has borrower requirements to be met, including a decent credit score. How do you know if your credit score is good enough for a mortgage? What is a credit score? A credit score is a measure of your ability to handle financial debt responsibilities. It takes into account things like how often you have made payments on time, how large your total debt balance is, how many new credit accounts you have opened lately, what types of credit you have, an...

December 2nd, 2020 Is My Credit Score Good Enough for a Mortgage?

Blog Image: Happy Thanksgiving

Happy Thanksgiving

2020 has been a crazy year for all of us, but as we celebrate Thanksgiving this year we'd like you to know how much you mean to us. Thank you for your continued support of our business; it’s always a pleasure to help you and your family with your mortgage financing needs. All of us at Island Home Capital, Inc. would like to wish you a safe, Covid-Free and Happy Thanksgiving. We sincerely hope that your Thanksgiving is filled with great food, great people and great memories. All the Best, Island Home Capital, Inc.

November 25th, 2020 Happy Thanksgiving

Blog Image: How the Eviction Moratorium Affects Landlords and Their Mortgages

How the Eviction Moratorium Affects Landlords and Their Mortgages

At the beginning of the coronavirus pandemic, the U.S. government declared a six-month moratorium on all rental evictions, in an effort to prevent mass homelessness as millions lost their jobs. That moratorium has since been renewed by the Trump Administration and the Centers for Disease Control and will now last until the end of 2020. The new ban on evictions apply to people with incomes of $99,000 or less and who attest to not being able to afford their rent. Roughly 40 million Americans will be covered under this new housing payment halt. While that news obviously provides renters wit...

November 18th, 2020 How the Eviction Moratorium Affects Landlords and Their Mortgages

Blog Image: Is It Possible to Escape Refinance Closing Costs?

Is It Possible to Escape Refinance Closing Costs?

Mortgage interest rates are at record lows. According to mortgage guarantor Freddie Mac, the average rate on a 30-year fixed-rate mortgage has averaged under 3% for seven straight weeks now. There has probably never been a better time to refinance a home loan. However, coming up with the closing costs to pay for that refi can be challenging for many homeowners. They can total between 2% and 5% of the refinance loan balance. With today’s median home price of around $300,000, closing fees could range from $6,000 to $15,000. ‘No Closing Cost’ Refinance Loans You may be ask...

November 11th, 2020 | Refinancing a Home, Is It Possible to Escape Refinance Closing Costs?

Blog Image: Should I Pay Off My Mortgage with My 401(k)?

Should I Pay Off My Mortgage with My 401(k)?

The COVID-19 crisis has left millions of Americans unemployed and uncertain of how to make their mortgage payments and other debt obligations. In response to the need for emergency funds, the government created the Coronavirus Aid, Relief, and Economic Security (CARES) Act which provided stimulus checks and better unemployment benefits. It also included provisions that allow people to borrow more money from their retirement accounts while waiving penalty fees for early withdrawal. For many, this might seem like a great way to pay off their mortgage now and reduce their debt load. However, ever...

November 4th, 2020 | Mortgage Advice, Should I Pay Off My Mortgage with My 401(k)?

Blog Image: Happy Halloween

Happy Halloween

All of us at Island Home Capital, Inc. would like to wish you and your family a safe and Happy Halloween.

October 28th, 2020 | Purchasing a Home, VA Loans, Government Loans, Happy Halloween

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Island Home Capital, Inc.

NMLS# 42942
P.O. Box 437463,
Kamuela, Hawaii 96743
Toll Free: 888-926-2444
Phone: 808-326-2444
Fax: 808-885-6350

Hours: Monday - Friday 8:00AM - 5:00PM HST