Your Honolulu, Hawaii home loan experts
We’ll be with you every step of the way
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
Looking for local home loan support? You’ve found the right team! As the Honolulu, HI branch of America’s #1 Retail Mortgage Lender, we’re dedicated to helping our neighbors achieve their homeownership goals.
Whether you’re buying, refinancing or renovating, we offer a wide range of loan programs designed to fit our local market. From conventional and FHA to VA, USDA and Non-QM loans, we’ll help you pick the ideal solution for your plans.
The only thing more important than the loan is a clear path to closing. From our first conversation to reaching your goals, we’ll keep you informed, answer your calls and make sure you always know what’s happening with your mortgage.
Each member of our Honolulu, HI team offers specialized expertise and their own community experience. That’s how we provide a local-focused experience with the qualities you’d expect from a national leader. Whether you’re ready to apply or want to ask a question, we look forward to hearing from you soon!
Guides and resources
How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Reviews
Meet our team
Branch Leader
Ricky Ostrander
- Senior Vice President of Lending
- NMLS #2123434
- 1050 Queen St
- Suite 200 Office S7
- Honolulu, HI 96814
- [email protected]
- mobile 808.333.7264
Thien Bui
- Outside Loan Originator
- NMLS #2493289
- 1050 Queen St
- Suite 200 Office S7
- Honolulu, HI 96814
Ken Thackery
- Senior Loan Officer
- NMLS #2691803
- 1050 Queen St
- Suite 200 Office S7
- Honolulu, HI 96814
- [email protected]
- mobile 503.758.4430
Our support staff
Ernesto Guevara
Loan Officer AssistantLeAnn Rhodes
Sr. Loan ProcessorMy social posts
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.