Larry Gonzales, Senior Loan Officer NMLS# 1452722

Larry Gonzales, Senior Loan Officer NMLS# 1452722 Branch Leader NMLS #1452722
Licensed in: HI, VA, FL, NC
The Broker NMLS #2450802

06/16/2026

Housing market update for mid-June.

This week could be one of the most important weeks we've seen for mortgage rates in months.

We're watching:

• The Federal Reserve meeting
• Fed Chair Warsh's first major market guidance
• Housing starts and building permits
• Retail sales
• Jobless claims
• Global developments involving Iran and the Strait of Hormuz

The big question:

Can VA mortgage rates finally move closer to 6%?

Current market conditions have VA rates hovering around 6.1% while conventional rates remain in the mid-to-upper 6% range. If geopolitical tensions ease and the Fed signals a softer stance, we could see additional improvement.

Plus, I brought in my newest market analyst—my grandson Towns (aka Lightning McQueen)—to help break it all down.

Watch this week's update to see what could move mortgage rates next.

You don’t have to know every answer before you begin.For a lot of first-time buyers, the biggest thing holding them back...
06/16/2026

You don’t have to know every answer before you begin.

For a lot of first-time buyers, the biggest thing holding them back isn’t their income, credit, or savings — it’s not knowing what the process actually looks like.

That’s why we’re hosting this webinar.

We’ll walk through:

• What happens from the first step to getting the keys
• The different loan options and paths available to you
• How to understand what makes sense for your real situation
• What you can do now to feel more prepared and confident

No pressure. No confusing mortgage talk. Just a clear breakdown so you know what your next step could look like.

📅 June 20
⏰ 10:00 – 11:30 AM
💻 Live on Zoom

If buying a home has been on your mind, this is a simple place to start.

Register here: https://thebrokerhawaii.com/fthb-seminar-registration/

06/16/2026

The Honolulu housing market continues to show strength.

📈 Single-family home prices are up nearly 10% year over year.

🏡 Median sales price reached $1.166 million.

🏢 Condo prices increased from $500K to $520K.

While sales activity slowed slightly, home values continue to hold strong.

What does this mean for buyers and sellers?

Opportunity still exists—but strategy matters.

🎙️ Watch the full market update for the latest Hawaii real estate insights - https://youtu.be/hZDYRz1iKmw

Drop a 📊 if you want more Hawaii market updates.

This is a big week for the housing market.The biggest thing I’m watching right now is whether we get real progress towar...
06/16/2026

This is a big week for the housing market.

The biggest thing I’m watching right now is whether we get real progress toward peace in Iran and the Strait of Hormuz staying open. If that happens, it could take pressure off oil, inflation, and ultimately mortgage rates.

But we also have a major Fed week.

The Fed is expected to leave rates alone, but that’s not really the headline. What matters is what gets said after the meeting, especially in the economic projections.

Are they still thinking rate cuts are possible this year?
Or do they think inflation and uncertainty are still too high?

That answer could move the market.

We also have a full calendar this week with housing starts, building permits, retail sales, pending home sales, jobless claims, and decisions from the Bank of Japan, Bank of England, and Swiss National Bank.

Current range:
Conventional, around 6.5% to 7%
VA, around 6.16% to 6.2%

If we get a peace deal, VA rates may be able to move closer to 6%.

But talk is cheap. We’ve heard this before.

Still, I’m the eternal optimist, and this could be a week where rates finally start moving in the right direction.

Stay positive, watch the headlines, and keep moving with a plan.

Aloha 🤙

Most people aim for "good enough."The highest performers operate from a completely different rulebook — one where the ba...
06/13/2026

Most people aim for "good enough."
The highest performers operate from a completely different rulebook — one where the bar keeps moving.

Your VA home loan benefit is more than a mortgage option, it’s a powerful tool for building your next chapter.Join us to...
06/13/2026

Your VA home loan benefit is more than a mortgage option, it’s a powerful tool for building your next chapter.

Join us tomorrow for our VA Benefit Webinar and learn how to make the most of your options with confidence.

📅 Saturday, June 13
⏰ 10:00AM–11:30AM

Reserve your spot today and come prepared with your questions. https://thebrokerhawaii.com/va-seminar-registration/

Most veterans don't know this refinance option exists.If you already have a VA loan and rates have dropped since you bou...
06/12/2026

Most veterans don't know this refinance option exists.

If you already have a VA loan and rates have dropped since you bought — you could lower your monthly payment without the usual refinance headache.

No appraisal. No credit check. No out-of-pocket costs.

Swipe through and then let me show you what you could save.

06/12/2026

1 in 4 first-time buyers said the down payment broke them.

Not the mortgage. Not the market. The getting there.

If you're in that 27%, you're not behind — you're normal. And there are programs built exactly for you.

Let's talk about what actually gets you to the table. 👇

06/11/2026

One of the biggest lessons we can give our kids may not come from a textbook.

It may come from helping them understand credit before they ever need to use it.

When young adults turn 18 or head off to college, they start receiving credit card offers, financing options, and opportunities to borrow money. It can feel exciting at first, but without the right guidance, a few small decisions can create challenges that follow them for years.

Credit is more than a number.

It is like a financial report card that can affect future opportunities, from buying a car to qualifying for their first home.

As parents, we spend so much time preparing our children for school, careers, and adulthood. Teaching them how to protect their credit deserves a place in that conversation too.

They do not need to wait until they are ready to buy a home to start building a strong financial foundation.

A simple conversation today could help them move forward with confidence tomorrow.

Do you have a child in high school or college? Comment below or send me a message. Let’s talk about a personalized strategy that can support your family for years to come.

06/11/2026

Most people see success and assume it happened overnight.

What they don't see is the adversity, the setbacks, and the decisions that changed everything.

At 24 years old, Izaiah Dillion was already a homeowner using his VA home loan benefit while serving on active duty in the Air Force.

But his story started long before that.

He grew up without a father figure in his life. Like many young men searching for direction, he found himself heading down a path that could have led somewhere very different.

Then one mentor shared a lesson that changed his perspective forever.

💬 "Monday through Friday you're taking five small steps toward your goals. But on the weekends you're taking two big steps backward."

That message stuck.

Today, Izaiah is building a life focused on growth, discipline, and opportunity.

And somehow, along the way, a salsa dancing video he posted from Australia exploded to over 2 million views.

In this episode, we talk about overcoming adversity, the power of mentorship, buying a home at a young age, serving in the military, and why the small decisions you make every day shape your future.

What's one piece of advice that changed the direction of your life?

Comment "MENTOR" and share it below.

▶️ Watch the full episode now and hear Izaiah Dillion share how mentorship, discipline, and perseverance helped him build a different future than the one he was handed.

https://youtu.be/dFeHTGXu80M

🎧 Prefer audio? Listen on

Spotify: https://open.spotify.com/episode/2LZkxFNedpK8BOwfuFKfUS?si=P2nE-6LpTPe-rQqKcz7a1g&nd=1&dlsi=8cb74be590594d9e

Apple Podcasts: https://podcasts.apple.com/us/podcast/from-growing-up-in-a-garage-to-becoming-a/id1891237091?i=1000772138707

💬 What's one piece of advice that changed your life? Comment "MENTOR" below.

🔔 Subscribe for more conversations with Hawaii's business leaders, entrepreneurs, investors, military members, and community leaders.

https://www.youtube.com/?sub_confirmation=1

Address

91-1270 Kaikohola Street
Ewa Beach, HI
96706

Telephone

+18083485287

Website

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