Guaranteed Rate - Steven Penske #379410

08/30/2026

https://housing.link/FMqL8Dcw
PCS orders don’t mean leaving your VA home loan benefit behind.

For real estate agents: If you have military clients relocating from Hawaiʻi to the mainland, I can help them build a financing plan before they move—so they arrive ready to shop with a clear budget and stronger buying power.

For veterans and active-duty service members: Your VA benefit can help you purchase at your next duty station or permanent destination. Depending on eligibility, available options may include:

✓ Discounted VA loan pricing
✓ Waived lender fees
✓ PowerBid loan approval with upfront underwriting
✓ Guidance on BAH, entitlement, occupancy and PCS timing

I have more than 25 years of experience helping veterans, military families and their real estate agents navigate VA financing.

Agents, please share this resource with anyone preparing for a PCS or mainland relocation. Veterans, scan the QR code on the flyer to get started.

Steve Penske
VP of Mortgage Lending
MLO #379410 | Rate NMLS #2611

A Permanent Change of Station can move quickly—and buying a home from another state adds another layer of complexity. I help military members and veterans prepare for VA financing while coordinating the loan process from Hawaii through closing.

08/27/2026

In my 25+ years of originating mortgage here on Oahu I have never seen a market more favorable to buyers. Many buyers are on the sidelines when they could be taking advantage of stable prices, concessions and low competition. I created this package of tools to help you get your buyers off the sidelines and into a home.

The Confident Home-Buyer Pack gives you personalized mortgage-planning information based on your finances, budget, and goals. It can help you determine whether buying now makes sense—or identify the steps you can take to become better prepared for the future.

08/11/2026

The rules have changed? Just because a condo recently closed with conventional financing, doesn't mean it is still approved under the new rules. Use this resource to determine if your building is still approved

Condominium financing rules changed significantly for conventional loan applications dated on or after August 3, 2026. A condo buyer may be financially qualified for a mortgage, but the loan cannot close unless both the buyer and the condominium project meet the applicable financing requirements.

07/24/2026

07/01/2026

Mahalo to the group of top agents that joined us for lunch to learn about upcoming changes to conventional condo financing and Hale Kama'aina affordable loan program. It's great to see everyone 😊

06/12/2026

Knowing the full picture could give you the edge to win your dream home. Understanding the market, as well as trends like who's buying and how, lets you adjust your strategies to better position yourself at the offer table. Get the breakdown here ... or reach out if you want to talk to it through live.

https://www.rate.com/mortgage/resource/amazing-homeownership-stats?LOID=17786