Elias Halvorson Mortgage Consultant

08/30/2025

Although interest rates are coming down, VA assumable loans are still highly desirable (if you have the cash to make up the difference).

Discover VA assumable loan homes for sale in Hawaii with rates as low as 2-3%. Complete guide to finding assumable mortgages near Oahu military bases including Schofield Barracks, Pearl Harbor & Marine Corps Base Hawaii. Save thousands on monthly payments.

04/27/2025

https://medium.com//home-prices-to-decline-36f6bde2cfcf

A recent update from Zillow has shifted its outlook on the U.S. housing market, now predicting a slight decrease in home prices by -1.7%…

05/20/2024

https://medium.com//20-may-weekly-mortgage-update-177e1db2bdc8

If only we had a few of these sunsets during this wet and windy week! I have lived on O’ahu over 9 years and this is about as rainy as I…

02/26/2024

Real estate agents, wondering why you should partner with a broker like me? Big banks and retail lenders have limited loan options. When you use me, I'll find better home loan options for your clients. Let's work together!

12/24/2023

When it comes to your home loan, questions can come up anytime - even on holidays. That’s why we’re always available for our clients. Call me anytime.

12/14/2023

How does saving $9,407* on your next home loan sound? That's the average that borrowers save when they go through an independent mortgage broker, rather than a big bank. Call me and I'll tell you more!

12/11/2023

For generations, people thought they needed to put 20% down to buy a home. That was then. Today, some buyers can put down as little as 1% and be good to go. If you're in the market for a home, it's important to know what your options are. I'm happy to discuss options, reach out with a text, email, or call anytime!

09/20/2023

Want to close on your first home faster and for less money? We can get you into your home in 20 days or less and get you a lower rate!

09/01/2023

Are you considering buying a home but worried about the high interest rates? Don't let that deter you! Despite the current high interest rates, it is actually a great time to buy a home, and here's why:

First and foremost, interest rates may be high now, but they are still historically low compared to previous decades. By taking advantage of these relatively low rates, you can secure a mortgage with a fixed interest rate, which means your monthly payments will remain stable over the long term. This stability provides peace of mind and allows you to budget more effectively.

Additionally, buying a home now can be a smart financial decision in the long run. The real estate market tends to appreciate over time, meaning that your home's value is likely to increase over the years. By purchasing a home today, you can potentially benefit from this appreciation and build equity. This is especially true in areas with high demand and limited housing supply.

Furthermore, buying a home offers numerous tax benefits. Homeowners can deduct mortgage interest, property taxes, and certain other expenses, which can lead to significant savings during tax season. These deductions can offset the impact of high interest rates and make owning a home more financially advantageous.

Lastly, owning a home provides a sense of stability and the opportunity to customize your living space to your liking. No more worrying about constantly rising rent prices or dealing with restrictive rental agreements. You have the freedom to make your house a home, personalize it, and create a space that truly reflects your personality and lifestyle.

So, don't let high interest rates discourage you from buying a home. Take advantage of historically low rates, potential appreciation in the real estate market, tax benefits, and the freedom of homeownership. It's a great time to invest in your future and secure a place you can truly call your own.

08/14/2023

Weekly mortgage update.

Update on news affecting the real estate and mortgage market for the week of August 13th, 2023

07/04/2023

Hawaii Veteran, Active Duty and dependent scholarship announcement! Happy to say despite the rough year in the mortgage industry the 2nd annual Veterans of Hawaii Scholarship! Despite the extremely difficult year in the mortgage industry we have increased it by 50%! This year we have increased the winners from 4 to 6 recipients, with each receiving $500. Eligibility Criteria are:
1) Be a veteran, member, or immediate family member of a veteran or member (reserve and guard are eligible)
2) Be living in Hawaii and studying in Hawaii (or planning on studying if a local Senior in high school)
3) Write a 250 word essay on how the military has affected your life (hopefully in a positive way!)

Click link below for application link!

Explore the benefits of home loans designed specifically for military families. Contact us today to start your journey towards homeownership!

03/26/2023

Crazy week last week and likely more turbulence in the market this week. Rates have likely hit a ceiling until this banking crisis is resolved. https://medium.com//march-26-weekly-mortgage-update-mixed-signals-continue-436c4a158d25

Mixed Signals Continue