Paradise Home Mortgage - Hawaii

10/19/2026

On Real Estate Financing:
If you served, the VA loan is almost always the strongest mortgage on the table... and in a 2026 market where conventional rates run higher than VA pricing, the gap has never been wider. Read our Head Brokers Blog discussing the differences in the main loan types and how to SAVE on any Mortgage.

VA loans offer zero down payment, no PMI, and lower rates than FHA and conventional options.

09/29/2026

How $10,662 in savings could be hiding in your mortgage decision 🏡

Choosing how you finance your home impacts way more than your monthly payment. Here’s what recent analysis of 2023 data revealed about independent mortgage brokers versus nonbank retail lenders:

- Borrowers using independent Mortgage Brokers saved an average of $10,662 over the life of their loan.

- Savings came from both lower upfront costs and lower interest rates.

- The average upfront cost: 115 basis points through brokers, versus 148 basis points with retail lenders.

- Average interest rates were Lower for brokered loans, compared to nonbank retail lenders.

- VA loan borrowers saved even more, about $13,432 per loan, by using the broker channel.

- VA rates averaged .14% Lower through brokers, versus with retail lenders.

- The lifetime savings reflect a combination of reduced upfront expenses and long-term interest cost.

Every loan scenario is unique, but numbers like these show why exploring your broker options matters. 💡

Would seeing these savings change how you approach your next home purchase or refinance? Drop your thoughts or save this post for later!

NMLS #625159 / 1714743

10/03/2023

Hawai‘i Wildfire Recovery and Resilience Resource Guide
Our hearts go out to the people, communities, and businesses affected by the Hawai‘i wildfires.

Hawai‘i Wildfire Recovery and Resilience Resource Guide Our hearts go out to the people, communities, and businesses affected by the Hawai‘i wildfires. Below are community resources and organizations we gathered that can assist individuals with concerns