We Know VA Loans in Hawaii

— Not All Lenders Do!

The CCM Warrior For Life Program is an outstanding home financing and refinancing incentive created especially for those who have served our country in the Armed Forces.

No extra steps, no storytelling, and no stress. Simply being VA eligible in Hawaii is all that is required for our program.

Screenshot of a VA Benefits Forum video

Are you a Veteran that needs VA loan education at your fingertips? Learn all you need to know any time, anywhere, any day! You don't need a seminar to understand your benefits. Visit the Warrior For Life VA Benefits Forum on YouTube!

View the VA Benefits Forum

In addition to our knowledge of VA lending and a superior mortgage experience, we offer over $2,300 in savings on all VA purchases and over $1,500 in savings on all VA refinances. We do this by:

  • Eliminating lender fees
  • Eliminating appraisal fees
  • Eliminating credit report fees
  • Eliminating flood certification fees

Program Eligibility:  Qualified individuals are active, reserve, National Guard, and Veterans who meet our qualified mortgage and VA loan requirements. Surviving spouses of deceased service members or Veterans may also be eligible. 

For purchases, we credit the cost of the appraisal and all lender fees at closing. There’s no appraisal required for VA Interest Rate Reduction Refinance Loans (IRRRLs), so we credit all lender fees at closing. We can also close quickly as a direct lender to Fannie Mae, Freddie Mac and Ginnie Mae.


The CCM Warrior For Life Program Director, Rick Yniguez, is a 23-year Active Duty U.S. Army veteran who has used his VA benefits to not only purchase his own homes, but also build financial investment capabilities. The CCM Hawaii Team and Rick now share their loan expertise with all VA loan-eligible veterans.

As a past leader in the military, Rick has mastered the ability to make accurate, timely, and practical decisions regarding the lives of those he came in contact with. He has carried these traits into the mortgage world and devoted himself to be a positive impact on both the homebuyers he serves and his CCM Hawaii Team.