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Ohana Mortgage Solutions - Steve Marks, Mortgage Broker

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United States
Kapolei, HI
Ohana Mortgage Solutions - Steve Marks, Mortgage Broker

Your neighbor and trusted advisor in homeownership! Warm, expert guidance for every step. Let's chat! 808-436-3646
NMLS #1683233

11/19/2025

Bought my 1st home in 2010 for $450,000...a triplex in South Central LA about a mile from USC.

My wife and I were both in full time ministry making basically nothing.

We had zero saved for a down payment.

Both sets of parents kicked in enough to get us to 3.5% down for an FHA loan.

We lived in one unit. Rented out the other 2 to college students and people we worked with in ministry.

The rent from those units paid our entire mortgage.

So we went from paying rent every month to essentially living for free while building equity.

Created this whole community hub. Monday night dinners. Monthly movies on the lawn with a projector.

It was everything we wanted.

2014 we moved to Hawaii. Kept the LA property as a full rental.

2017 we sold it.

$1,175,000.

We 2.5x'd our money in 7 years by just making mortgage payments.

I had no idea that was possible.

That money became a 50% down payment on our Hawaii home that we never could've afforded otherwise.

Before I bought that triplex I had zero imagination for what homeownership could do.

I just knew I was tired of rent checks disappearing into someone else's pocket.

Now I tell people: you don't know how long it'll take until you get pre-approved.

Pre-approval takes 2 days. Then you know exactly where you stand.

Most people think homeownership is 2 years away when it's actually 30 days away once you're approved.

11/19/2025

I got a PANICKED phone call 7 years ago during my 1st year as a loan officer... "Steve, we're in real trouble."

I recognized the voice immediately even though I hadn't heard from them in 2 months.

They'd ghosted me after getting pre-approved. Went with the builder's lender instead because of some "free upgrades" offer.

Now they were 21 days from closing and the lender just denied them.

After telling them for months they were approved. After they signed all the contracts.

Denied.

"Can you still help us?"

I said "Let's go."

Pulled their file. Found the issue. We needed additional income to make the numbers work.

The solution? Add their 18 year old daughter to the loan.

I told them: "This is gonna help her. When she's ready to buy someday, she'll have years of mortgage payments on her credit."

We got them into that home.

Fast forward to last year.

They've bought 2 more homes since then. That daughter? She and her husband bought their 1st home.

Her credit was perfect just like I said it would be.

Now I just approved her younger sister and her husband.

Two generations. Five homes.

All because of one phone call 7 years ago when everything seemed lost.

I have all their pictures on my wall. Parents from 2018. Older daughter from last year. Younger sister closing soon.

Every phone call could be the next family. The next generation.

That's what goes through my head when the phone rings at 8pm on a weekend.

04/23/2025

Buy now, or wait? That’s the question prospective homeowners struggled to answer throughout 2024, as home prices skyrocketed and the Federal Reserve’s work to tame inflation sent mortgage rates soaring.

Bottom Line: If your credit score is strong, your employment is stable and you have enough savings to cover a down payment and closing costs, buying now can still be a smart move.

https://www.bankrate.com/real-estate/should-i-buy-a-house-now-or-wait/

02/10/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟭𝟬, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Rates improved last week, even as jobs data indicated a resilient labor market despite the Fed maintaining higher policy rates. However, the gains were small, with rates remaining relatively steady for the second consecutive week instead of seeing the expected volatility.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗶𝗺𝗽𝗿𝗼𝘃𝗲 👍
A lot is happening this week that could impact mortgage rates, with inflation being the biggest factor. While some day-to-day rate fluctuations are expected, significant swings in either direction are unlikely.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Tariffs: While still making headlines, traders seem less concerned about tariffs, and they are not having a significant impact on mortgage rates.
- Fed speakers: This week features several speeches from Fed officials, with the most notable being Fed Chair Powell’s semiannual testimony before Congress, where he will discuss the economy, interest rates, and inflation outlook.
-Inflation: Consumer inflation data will come out on Wednesday, and is expected to have the biggest impact on mortgage rates this week. Higher inflation could push rates up, while inflation in line with expectations should keep rates steady.

02/04/2025

𝗙𝗲𝗲𝗹 𝗹𝗶𝗸𝗲 𝘆𝗼𝘂 𝗰𝗮𝗻'𝘁 𝗮𝗳𝗳𝗼𝗿𝗱 𝘁𝗼 𝗯𝘂𝘆 𝗮 𝗵𝗼𝗺𝗲? ☹️

👉 I can help. 😀

With mortgage rates that refuse to fall, and home prices that just won't drop, there may be some creative ways I can help you get a mortgage with a payment you can afford.

✅ 𝗖𝗮𝗹𝗹, 𝘁𝗲𝘅𝘁, 𝗼𝗿 𝗗𝗠 𝗺𝗲 𝗮𝗻𝗱 𝗹𝗲𝘁'𝘀 𝘁𝗮𝗹𝗸!

02/03/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗙𝗲𝗯𝗿𝘂𝗮𝗿𝘆 𝟯, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗯𝗮𝘀𝗶𝗰𝗮𝗹𝗹𝘆 𝘂𝗻𝗰𝗵𝗮𝗻𝗴𝗲𝗱 👍
Mortgage rates remained steady last week, with minimal reaction to the Fed meeting and Fed Chair Powell's press conference. The Fed left its policy rate unchanged as expected, but didn't give any clear indication that it would stop cutting rates this year. Inflation data for the week also came in as expected, helping keep mortgage rates stable.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
Last week was calmer than expected, but this week could bring volatility. Markets are responding to tariffs on Canada, Mexico, and China, with stocks reacting more than bonds. Mortgage rates have already priced in the expected tariffs, showing minimal movement. Labor market data later this week could influence mortgage rates.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Tariffs: Markets will respond to tariffs and any countermeasures or retaliatory actions from affected countries.
- Labor market data: This week brings multiple reports about the labor market, including job turnover and layoffs, new jobs created, and unemployment numbers. Signs of labor market strength could pressure mortgage rates higher, while data signaling a weaker labor market could help rates.

01/27/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟮𝟳, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝘄𝗼𝗿𝘀𝗲 👎
Mortgage rates edged slightly higher last week, but the changes were minimal and not cause for major concern. There was little economic data to influence rates, and the Trump administration has yet to implement the tariffs that previously raised market concerns.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 ⚠️
This week rates could see significant movement. The Fed meeting and Chair Powell's press conference are expected to have the biggest impact, with additional attention on the first release of Q4 GDP and PCE inflation data later in the week.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- The Fed: The Fed meeting concludes on Wednesday, with expectations the Fed will leave its policy rate unchanged after three consecutive cuts. The policy statement will be released at 2 PM ET, but Fed Chair Powell’s press conference afterward is likely to have a greater effect on mortgage rates. Any indication of continued rate cuts could lead to lower mortgage rates, while signs the Fed has paused rate cuts could push rates higher.
- Economic data: While secondary to the Fed’s decisions, economic data releases later this week - such as Q4 GDP and PCE inflation - may still cause rate fluctuations.

01/24/2025

⚠️ 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗿𝗮𝘁𝗲𝘀 𝗿𝗲𝗳𝘂𝘀𝗲 𝘁𝗼 𝗱𝗿𝗼𝗽, and that has many house hunters waiting until they do... 𝗯𝘂𝘁 𝘁𝗵𝗮𝘁 𝗶𝘀 𝗮 𝗺𝗶𝘀𝘁𝗮𝗸𝗲! 😲

👍 𝗔𝘀 𝗮 𝗴𝗲𝗻𝗲𝗿𝗮𝗹 𝗿𝘂𝗹𝗲, now is a great time to buy a home, and you shouldn't wait for rates to drop.

𝗛𝗲𝗿𝗲 𝗶𝘀 𝘄𝗵𝘆...
✅ Rates are not likely to drop significantly anytime soon. Although we see rates move up and down week-to-week, rates are not likely to drop and stay lower until later this year.

✅ Home prices never fell like some people thought they would, because there continues to be a shortage in home inventory. When rates drop, lots of potential buyers will come back into the market, making it more competitive and driving home prices higher.

✅ Buying now when rates are higher will likely give you more homes to choose from and help get your offer accepted. Once you own the home, you may be able to refinance when rates do fall later this year.

𝗧𝗵𝗼𝘀𝗲 𝗮𝗿𝗲 𝘁𝗵𝗲 𝗴𝗲𝗻𝗲𝗿𝗮𝗹 𝗿𝗲𝗮𝘀𝗼𝗻𝘀, 𝗯𝘂𝘁 𝗶𝗳 𝘆𝗼𝘂 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗱𝗶𝘀𝗰𝘂𝘀𝘀 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗰𝗮𝗻 𝗾𝘂𝗮𝗹𝗶𝗳𝘆 𝗳𝗼𝗿 𝗮𝗻𝗱 𝗰𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝘆 𝗮𝗳𝗳𝗼𝗿𝗱, 𝗮𝘀 𝘄𝗲𝗹𝗹 𝗮𝘀 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗹𝗼𝗮𝗻 𝗼𝗽𝘁𝗶𝗼𝗻𝘀 𝘁𝗵𝗮𝘁 𝗮𝗿𝗲 𝗻𝗼𝘄 𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲 𝘁𝗼 𝘆𝗼𝘂, 𝗿𝗲𝗮𝗰𝗵 𝗼𝘂𝘁 𝗮𝗻𝘆𝘁𝗶𝗺𝗲.

01/20/2025

🏠 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟮𝟬, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗶𝗺𝗽𝗿𝗼𝘃𝗲𝗱 👍
Rates were helped last week after inflation data came in slightly better than expected. Fed Governor Waller added to the optimism in a CNBC interview, suggesting the Fed might implement more policy rate cuts than markets anticipated, and could start cutting sooner.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Although rates only saw modest improvement last week, we sidestepped trouble when the inflation data came in a bit more favorably than was expected. This week starts with a holiday, and has little economic data to help guide mortgage rate movement. After last week's improvements though, we could see rates creep a bit higher this week. Longer term outlook is for rates to remain near these levels.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Trump inauguration: Trump will be sworn in Monday, and is expected to hit the ground running. We could see some volatility in markets based on the immediate actions taken and executive orders that are implemented.
- The Fed: Markets had a strong reaction last week to comments made by Fed Governor Waller, but we will not be hearing from any Fed members this week as they enter the customary blackout period ahead of January 28th/29th's Fed meeting.

01/16/2025

𝗗𝗼𝗻'𝘁 𝗹𝗲𝘁 𝗷𝘂𝘀𝘁 𝗴𝗲𝘁𝘁𝗶𝗻𝗴 '𝗽𝗿𝗲𝗾𝘂𝗮𝗹𝗶𝗳𝗶𝗲𝗱' 𝗰𝗼𝘀𝘁 𝘆𝗼𝘂 𝘆𝗼𝘂𝗿 𝗰𝗵𝗮𝗻𝗰𝗲 𝗮𝘁 𝗮 𝗵𝗼𝗺𝗲!

𝗜𝗻𝘀𝘁𝗲𝗮𝗱, 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝘄𝗮𝗻𝘁 𝘁𝗼 𝗴𝗲𝘁 𝗽𝗿𝗲𝗮𝗽𝗽𝗿𝗼𝘃𝗲𝗱.

What is the difference? 🤔

👉 Getting prequalified is the process of providing a mortgage lender with some background information like your credit, income, and expenses so the lender can help you determine how much you can afford and what you are likely to qualify for.

👉 A preapproval, however, means you've provided the lender with proof of your income and assets and had a credit check to determine exactly how much you can be approved for. In some cases, a preapproval can show you are approved for a loan before making an offer, which makes your offer stronger and could help you win a bidding war.

𝗪𝗵𝗶𝗰𝗵 𝗼𝗻𝗲 𝗶𝘀 𝗿𝗶𝗴𝗵𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂? 𝗚𝗶𝘃𝗲 𝗺𝗲 𝗮 𝗰𝗮𝗹𝗹 𝗼𝗿 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝗺𝗲 𝗱𝗶𝗿𝗲𝗰𝘁, 𝗮𝗻𝗱 𝗜'𝗹𝗹 𝗯𝗲 𝗵𝗮𝗽𝗽𝘆 𝘁𝗼 𝗵𝗲𝗹𝗽 𝘆𝗼𝘂 𝗱𝗲𝗰𝗶𝗱𝗲. 👍

I can provide either one, depending on your unique situation and where you are in the house hunting process. The best part? The conversation is absolutely free, and there's no obligation. 🏡 😁

01/13/2025

🏠 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝟭𝟯, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates rose last week, particularly on Friday, following the release of stronger-than-expected jobs data. The report showed a significant increase in job creation and a decline in the unemployment rate from 4.2% to 4.1%. This robust labor market data pushed bond yields higher and led markets to anticipate that Fed policy rate cuts would be delayed until later in the year.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗺𝗼𝘃𝗲 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates could continue to climb this week, depending on inflation data. If inflation shows signs of increasing, concerns may grow that the Fed will be unable to lower its policy rate and might even need to consider hiking later in the year. Even if inflation remains stable, it's unlikely that mortgage rates will move lower from here.

📈 𝗪𝗵𝗮𝘁'𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Inflation data: Tuesday brings wholesale inflation numbers, but it is Wednesday's consumer inflation data that will have the biggest effect on mortgage rates this week.
- The Fed: Concerns that the Fed will not be able to further cut its policy rate this year could pressure mortgage rates higher.
- 10yr Treasury yield: If the 10yr yield gets near 5%, mortgage rates will move higher.

Address

Kapolei, HI

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+18084363646

Website

https://www.ohanamortgage.com/

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