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

Getting pre-approved is important, but it’s only the beginning.For me, the goal isn’t just to tell you how much you can ...
09/12/2026

Getting pre-approved is important, but it’s only the beginning.

For me, the goal isn’t just to tell you how much you can buy. It’s to help you understand what feels comfortable, how your VA benefit can work for you, and what the numbers actually mean before you make a move.

And when you find the house, the questions start, or something changes along the way, I want you to know you’ve got someone in your corner.

Because buying a home shouldn’t feel like a transaction. It should feel like you have a plan.

If you’re thinking about buying in Hawaii, let’s talk through the numbers before you start house hunting. 🤙

09/12/2026

Where were you on September 11, 2001?

Twenty-five years later, these veterans still remember exactly where they were when everything changed.

Different places. Different experiences. One moment that shaped a generation.

Remember those we lost. Honor those who served. Never forget.

🎥 Watch our full 9/11 Veterans Tribute. https://youtu.be/wI4IU_Z8kHg

Condo or single-family home in Hawaii? 🏝️The lower price tag doesn’t always mean the lower monthly cost.HOA fees, mainte...
09/12/2026

Condo or single-family home in Hawaii? 🏝️

The lower price tag doesn’t always mean the lower monthly cost.

HOA fees, maintenance, insurance, property taxes, and long-term goals can all change which option actually makes more sense for you.

In the latest blog, I break down the real differences between buying a condo and a single-family home in Hawaii in 2026—so you can look beyond the purchase price and make a smarter move.

📲 Read the full blog and see which option fits your budget and lifestyle best - https://larrythelo.com/condo-vs-single-family-home-hawaii-2026/

09/11/2026

A long inspection report doesn’t automatically mean it’s time to walk away.

In Hawaiʻi, homes are constantly exposed to salt air, moisture, sun, and other elements that can create normal wear over time. Seeing several repairs listed at once can feel overwhelming—but not every issue is a dealbreaker.

The inspection is there to help you understand what you’re buying, identify what matters most, and decide what can reasonably be addressed before moving forward.

Before giving up on a home you love, ask: Is this truly a dealbreaker—or is it something that can be fixed - https://youtu.be/BKhRTcalCis

📲 Ready to talk through your homebuying options? Connect with me and get a plan that fits your goals.

🏡 Your career in healthcare could open the door to more flexible home financing options.The Titan MD Loan Program is bui...
09/11/2026

🏡 Your career in healthcare could open the door to more flexible home financing options.

The Titan MD Loan Program is built for eligible medical professionals, with features designed to make homeownership more accessible:

✅ Up to 100% Financing
✅ Loan Amounts Up to $2 Million
✅ Student Loans May Be Omitted
✅ No Mortgage Insurance
✅ Minimum 680 FICO
✅ Projected Income May Be Considered

Eligible professionals may include Physicians, Dentists, Nurse Practitioners, Veterinarians, Pharmacists, and CRNAs.

High student loan balances or a new position don’t always have to put your homeownership plans on hold.

📲 Curious whether the Titan MD Loan Program fits your situation? Connect with us today to review your options.

Program availability, eligibility requirements, and loan terms apply.

Nothing beats hearing this from the people we get to help. 🙌Buying a home can come with a lot of questions, a lot of mov...
09/10/2026

Nothing beats hearing this from the people we get to help. 🙌

Buying a home can come with a lot of questions, a lot of moving parts, and sometimes a little stress. Our job is to make the process feel clear, honest, and supported from start to finish.

We’re incredibly grateful for clients who trust us with such a big milestone, and even more grateful when they leave feeling like family.

Thank you for the kind words and for letting our team be part of your journey to homeownership. 🤙🏽🏡

Ready to talk through your next move? I’m here when you’re ready.

09/10/2026

🏡 Real estate doesn't need to be exciting. Sometimes “Steady Eddie” is exactly what you want.

The latest Fannie Mae/Pulsenomics expert survey forecasts roughly 15% cumulative national home-price appreciation over five years.

What could that look like?

A 15% increase on a $500,000 home = $75,000 in additional home value.

That doesn't mean every home or market will appreciate 15%, and appreciation is never guaranteed.

But it reinforces an important point: homeownership is usually a longer-term strategy—not a quick flip.

▶️ Watch the full Housing Market Update on YouTube for the complete breakdown - https://youtu.be/BKhRTcalCis

👉 Follow and subscribe for weekly mortgage rate, housing market, and homebuying updates.

Want to know what your mortgage options could actually look like? Mortgage Rate Quote tool makes it easy to explore your...
09/09/2026

Want to know what your mortgage options could actually look like?

Mortgage Rate Quote tool makes it easy to explore your options, compare rates, and get a better idea of what you may qualify for without overcomplicating the process.

Whether you’re buying your first home, using your VA benefit, refinancing, or just trying to figure out your next move, getting the numbers is a good place to start.

No pressure. Just information to help you make a smarter decision.

Get your FREE mortgage rate quote at https://larrythelo.com/

09/09/2026

One thing I hear from younger service members is, “I wish someone explained the VA benefit to me earlier.” .dillion was 24, active-duty Air Force, and used his VA home loan while stationed in Hawaiʻi.

What stood out to me was how he thought about BAH, cash, his next duty station, and the bigger plan.

A common mistake is assuming you have to wait until you’re out of the military or have a huge amount saved before you even explore buying.

I’ll drop the full video in the comments if anyone wants to hear his story.

What do you wish you knew about the VA loan at your first duty station?

09/09/2026

🏦 Two Fed officials. Two very different messages on rates.

Fed Chair Warsh has taken a more hawkish stance, keeping inflation front and center.

Fed Governor Christopher Waller? Much more data dependent and patient. He's indicated he'd support holding rates steady if inflation continues moving in the right direction.

Why does this matter?

Because words move markets—and changing expectations about Fed policy can influence Treasury yields and the environment for mortgage rates.

The next inflation data could be the tiebreaker.

▶️ Watch the full Housing Market Update on YouTube for the complete breakdown - https://youtu.be/BKhRTcalCis

Address

91-1270 Kaikohola Street
Ewa Beach, HI
96706

Telephone

+18083485287

Website

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