Henedina Jessop, Mortgage Lender NMLS #1854626

Henedina Jessop, Mortgage Lender NMLS #1854626 Providing low rate, no hassle mortgages for buying and refinancing your home in Hawaii.

Creating relationships with people and businesses is so important. Finding ways to create value or to gift someone with ...
01/19/2024

Creating relationships with people and businesses is so important. Finding ways to create value or to gift someone with a referral are some of the amazing ways I love to run my business and life!

YOU ARE INVITED! Jan 23rd 5pm! Own a business and looking for a great team to support you in building that business? I joined this group two months ago and have enjoyed growing my market through this team of caring and motivated individuals that are accountable to each other. Join us! ๏ฟผ

08/11/2021

๐Ÿค” Did you know you can buy a home with as little as 3.5% down? Or maybe even 0% down if you're a veteran or qualify for other specialized mortgage programs? ๐Ÿ˜

๐Ÿ‘‰ ๐—œ๐—ณ ๐˜†๐—ผ๐˜‚ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐—ฏ๐—ฒ๐—ฒ๐—ป ๐˜€๐—ฎ๐˜ƒ๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐—ฎ ๐—ฑ๐—ผ๐˜„๐—ป ๐—ฝ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜, ๐—ฏ๐˜‚๐˜ ๐—ฑ๐—ผ๐—ป'๐˜ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐Ÿฎ๐Ÿฌ%, ๐˜๐—ต๐—ฎ๐˜'๐˜€ ๐—ผ๐—ธ. ๐—•๐˜‚๐˜†๐—ถ๐—ป๐—ด ๐—ฎ ๐—ต๐—ผ๐—บ๐—ฒ ๐—บ๐—ฎ๐˜† ๐—ฏ๐—ฒ ๐˜„๐—ถ๐˜๐—ต๐—ถ๐—ป ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ด๐—ฟ๐—ฎ๐˜€๐—ฝ ๐—ฎ๐—น๐—ฟ๐—ฒ๐—ฎ๐—ฑ๐˜†!

If you would like to own your own home, and want to find out how you may be able to do it sooner than you think, then let's talk. I'm always here to help, and I would be glad to discuss your options with you so you are fully informed and not missing out on today's low rates.

๐—” ๐—ฐ๐—ผ๐—ป๐˜ƒ๐—ฒ๐—ฟ๐˜€๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐˜„๐—ถ๐˜๐—ต ๐—บ๐—ฒ ๐—ถ๐˜€ ๐—ฎ๐—น๐˜„๐—ฎ๐˜†๐˜€ ๐—ณ๐—ฟ๐—ฒ๐—ฒ, ๐—ฎ๐—ป๐—ฑ ๐˜„๐—ถ๐˜๐—ต ๐—ป๐—ผ ๐—ผ๐—ฏ๐—น๐—ถ๐—ด๐—ฎ๐˜๐—ถ๐—ผ๐—ป. ๐—œ ๐—น๐—ผ๐—ผ๐—ธ ๐—ณ๐—ผ๐—ฟ๐˜„๐—ฎ๐—ฟ๐—ฑ ๐˜๐—ผ ๐˜๐—ฎ๐—น๐—ธ๐—ถ๐—ป๐—ด ๐˜„๐—ถ๐˜๐—ต ๐˜†๐—ผ๐˜‚ ๐˜€๐—ผ๐—ผ๐—ป.

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—”๐˜‚๐—ด๐˜‚๐˜€๐˜ ๐Ÿต, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐˜„๐—ผ๐—ฟ๐˜€๐—ฒ ๐Ÿ‘Ž Average mortgage rates improved some to start...
08/09/2021

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—”๐˜‚๐—ด๐˜‚๐˜€๐˜ ๐Ÿต, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐˜„๐—ผ๐—ฟ๐˜€๐—ฒ ๐Ÿ‘Ž
Average mortgage rates improved some to start the week last week, but lost ground in the second half of the week to end the week slightly worse than the previous week. Friday's jobs data showed strength in the labor market, one of the indicators the Fed will use when deciding to reduce the bond purchases that have kept mortgage rates low, and helped push rates higher to end the week.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ด๐—ผ ๐—ฒ๐—ถ๐˜๐—ต๐—ฒ๐—ฟ ๐˜„๐—ฎ๐˜† โš ๏ธ
Average mortgage rates this week have a good shot at rebounding after losing ground last week, although we may see rates end the week still slightly worse than recent best levels. We need to see how markets react to this week's inflation data though, because a negative reaction could pressure mortgage rates higher for the week instead.

๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping keep mortgage rates low. If we see market concerns grow around speculation that the Fed could reduce bond purchases by the end of the year it could pressure rates higher.
- Economic data: Data on consumer and wholesale inflation will be released this week. Also multiple bond auctions this week could have a small effect on rates.

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—”๐˜‚๐—ด๐˜‚๐˜€๐˜ ๐Ÿฎ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘ Average mortgage rates improved slightly on the wee...
08/02/2021

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—”๐˜‚๐—ด๐˜‚๐˜€๐˜ ๐Ÿฎ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘
Average mortgage rates improved slightly on the week, after markets responded positively to the Fed's policy statement and to Fed Chair Jerome Powell's press conference afterwards. Investors don't seem too concerned about the timing of the Fed's tapering of bond purchases, which have kept rates low since the start of the pandemic.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—น๐—ถ๐—ธ๐—ฒ๐—น๐˜† ๐˜๐—ผ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ ๐Ÿ‘
Average mortgage rates this week are likely to improve at least a little bit, although we do need to worry about some volatility on Friday when the jobs data is released. Rates will remain low this week though, even if we do see a slight increase at the end of the week. Most day to day movement will likely be a change in rebate pricing, the credit you get towards closing costs from your lender, or the fee you pay to get a lower rate, often called 'points'.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping keep mortgage rates low. As long as concerns about the Fed reducing bond purchases remain at bay, we should see rates remain low.
- Economic data: Not much on the calendar this week, and the only data that is likely to have an effect on mortgage rates is Friday's jobs data.

๐——๐—ถ๐—ฑ ๐˜†๐—ผ๐˜‚ ๐—ธ๐—ป๐—ผ๐˜„ ๐˜๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฑ๐—ผ๐—ป'๐˜ ๐—ฎ๐—น๐˜„๐—ฎ๐˜†๐˜€ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐˜๐—ผ ๐—ด๐—ฒ๐˜ ๐—ฎ ๐—น๐—ผ๐˜„๐—ฒ๐—ฟ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐˜„๐—ต๐—ฒ๐—ป ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด ๐—ถ๐—ป ๐—ผ๐—ฟ๐—ฑ๐—ฒ๐—ฟ ๐˜๐—ผ ๐˜€๐—ฎ๐˜ƒ๐—ฒ ๐—บ๐—ผ๐—ป๐—ฒ๐˜†? ๐Ÿค” ๐—ช๐—ฎ๐˜†๐˜€ ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด ...
07/29/2021

๐——๐—ถ๐—ฑ ๐˜†๐—ผ๐˜‚ ๐—ธ๐—ป๐—ผ๐˜„ ๐˜๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฑ๐—ผ๐—ป'๐˜ ๐—ฎ๐—น๐˜„๐—ฎ๐˜†๐˜€ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐˜๐—ผ ๐—ด๐—ฒ๐˜ ๐—ฎ ๐—น๐—ผ๐˜„๐—ฒ๐—ฟ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐˜„๐—ต๐—ฒ๐—ป ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด ๐—ถ๐—ป ๐—ผ๐—ฟ๐—ฑ๐—ฒ๐—ฟ ๐˜๐—ผ ๐˜€๐—ฎ๐˜ƒ๐—ฒ ๐—บ๐—ผ๐—ป๐—ฒ๐˜†? ๐Ÿค”

๐—ช๐—ฎ๐˜†๐˜€ ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด ๐—ฐ๐—ฎ๐—ป ๐˜€๐—ฎ๐˜ƒ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—บ๐—ผ๐—ป๐—ฒ๐˜†...
โœ… Getting a lower interest rate (we know this one already)
โœ… Taking a higher interest rate, but taking cash out to consolidate debt (like credit card balances that come with a much higher interest rate)
โœ… Refinancing to a lower number of years (you can do more than just 30 or 15 years, ask me for details)
โœ… Using a refinance to pay for college (avoid student loans)
โœ… Refinance to remove private mortgage insurance (home values have gone up, you may be able to avoid PMI with a refinance)

๐—œ๐—ณ ๐˜†๐—ผ๐˜‚'๐—ฑ ๐—น๐—ถ๐—ธ๐—ฒ ๐˜๐—ผ ๐—ณ๐—ถ๐—ป๐—ฑ ๐—ผ๐˜‚๐˜ ๐—ต๐—ผ๐˜„ ๐—บ๐˜‚๐—ฐ๐—ต ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐˜†๐—ผ๐˜‚ ๐—ฐ๐—ฎ๐—ป ๐˜€๐—ฎ๐˜ƒ๐—ฒ ๐—ฏ๐˜† ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด, ๐—ท๐˜‚๐˜€๐˜ ๐—ฟ๐—ฒ๐—ฎ๐—ฐ๐—ต ๐—ผ๐˜‚๐˜ ๐—ฎ๐—ป๐—ฑ ๐—น๐—ฒ๐˜ ๐—บ๐—ฒ ๐—ธ๐—ป๐—ผ๐˜„.

You'd be surprised at how many ways we can save you money overall, even if you already have a low rate!

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—น๐˜† ๐Ÿฎ๐Ÿฒ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐Ÿ‘ Average mortgage rates improved to start th...
07/26/2021

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—น๐˜† ๐Ÿฎ๐Ÿฒ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐Ÿ‘
Average mortgage rates improved to start the week, as stocks worsened and investors looked to the safety of bonds. Although stocks did recover and ended the week with new highs, mortgage bonds performed well and helped to keep rates near recent best levels.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ฏ๐—ฒ ๐˜ƒ๐—ผ๐—น๐—ฎ๐˜๐—ถ๐—น๐—ฒ โš ๏ธ
Average mortgage rates this week will remain low, but could move either direction or not much at all depending on what happens with this week's Fed meeting. This is a good week to discuss your particular rate situation with your mortgage professional, who can give you proper insight and advise if now is the time to lock in your interest rate.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Fed meeting: The Fed meets this week and will make a policy statement on Wednesday. Although the Fed will not move the fed funds rate, mortgage rates may get better or worse depending on comments about when and how it will taper bond purchases and how investors react.
- Fed press conference: Fed Chair Jerome Powell will hold a press conference on Wednesday, and it could cause movement in rates.
- Economic data: There is lots of data this week, including housing reports, but only a few releases have potential to affect rates.

3๏ธโƒฃ ๐—ฅ๐—ฒ๐—ฎ๐˜€๐—ผ๐—ป๐˜€ ๐—–๐—ฎ๐˜€๐—ต ๐—ข๐˜‚๐˜ ๐—ฅ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—๐˜‚๐˜€๐˜ ๐—š๐—ผ๐˜ ๐—•๐—ฒ๐˜๐˜๐—ฒ๐—ฟ ๐Ÿ‘ Have you considered using some of the equity in your home and pay...
07/21/2021

3๏ธโƒฃ ๐—ฅ๐—ฒ๐—ฎ๐˜€๐—ผ๐—ป๐˜€ ๐—–๐—ฎ๐˜€๐—ต ๐—ข๐˜‚๐˜ ๐—ฅ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—๐˜‚๐˜€๐˜ ๐—š๐—ผ๐˜ ๐—•๐—ฒ๐˜๐˜๐—ฒ๐—ฟ ๐Ÿ‘

Have you considered using some of the equity in your home and paying off debt like credit cards or car loans? How about using it to pay for college, or to do some improvements?

When you take "cash out" to use for something else, this is called a 'cash out refinance', and here are three reasons why now is a great time to consider doing one!

โœ… ๐—›๐—ผ๐—บ๐—ฒ ๐—ฝ๐—ฟ๐—ถ๐—ฐ๐—ฒ๐˜€ ๐—ฎ๐—ฟ๐—ฒ ๐˜€๐—ผ๐—ฎ๐—ฟ๐—ถ๐—ป๐—ด ๐Ÿก
With the homes around you selling for more money in a housing market that is starved for inventory, your home's value is increasing and giving you more equity. More equity means you can either get more cash out, or you may get a better rate for borrowing much less than your home is now worth.

โœ… ๐—ฅ๐—ฒ๐—ฐ๐—ฒ๐—ป๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ฎ๐—ฑ๐—ท๐˜‚๐˜€๐˜๐—บ๐—ฒ๐—ป๐˜ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—บ๐—ฒ๐—ป๐˜๐˜€ ๐ŸŽ†
Cash out refinances got more expensive last year for most borrowers when additional fees were added by the Federal Housing Finance Agency to cash out transactions. Those fees have recently been removed, meaning you will pay less in fees or see a better rate when taking cash out!

โœ… ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐—ต๐—ถ๐˜ ๐˜๐—ต๐—ฒ ๐—น๐—ผ๐˜„๐—ฒ๐˜€๐˜ ๐—น๐—ฒ๐˜ƒ๐—ฒ๐—น๐˜€ ๐—ถ๐—ป ๐—บ๐—ผ๐—ป๐˜๐—ต๐˜€ ๐Ÿ“‰
Rates have dipped, but won't stay this low for long.

๐—œ๐—ณ ๐˜†๐—ผ๐˜‚'๐˜ƒ๐—ฒ ๐—ด๐—ผ๐˜ ๐—ฎ๐—ป๐˜† ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป๐˜€ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜๐—ฎ๐—ธ๐—ถ๐—ป๐—ด ๐—ฐ๐—ฎ๐˜€๐—ต ๐—ผ๐˜‚๐˜ ๐—ผ๐—ณ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ต๐—ผ๐—บ๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐—ฎ๐—ป๐˜† ๐—ฟ๐—ฒ๐—ฎ๐˜€๐—ผ๐—ป, ๐—ผ๐—ฟ ๐—ฟ๐—ฒ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ป๐—ด ๐—ณ๐—ผ๐—ฟ ๐—ฎ ๐—น๐—ผ๐˜„๐—ฒ๐—ฟ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐—ฎ๐—ป๐—ฑ ๐˜„๐—ฎ๐—ป๐˜ ๐˜๐—ผ ๐˜๐—ฎ๐—น๐—ธ ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ถ๐˜, ๐—ฟ๐—ฒ๐—ฎ๐—ฐ๐—ต ๐—ผ๐˜‚๐˜ ๐—ฎ๐—ป๐˜†๐˜๐—ถ๐—บ๐—ฒ!

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—น๐˜† ๐Ÿญ๐Ÿต, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐Ÿ‘Average mortgage rates worsened through the ...
07/19/2021

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—น๐˜† ๐Ÿญ๐Ÿต, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐Ÿ‘
Average mortgage rates worsened through the middle of the week before ending the week slightly better. Rates shrugged off increased consumer and wholesale inflation, calmed by Fed Chair Jerome Powell's testimony to Congress about the recovering economy and future Fed actions.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฐ๐—ผ๐˜‚๐—น๐—ฑ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ ๐Ÿ‘
Average mortgage rates this week could improve, especially for cash-out refinances. This is a good week to discuss your particular rate situation with your mortgage professional, who can give you proper insight and advise if now is the time to lock in your interest rate. Even if we don't see rates improve, they will remain low this week.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Global economy: Concerns about a slowdown in the global economic recovery have pushed investors both overseas and domestically to seek shelter in safe havens (like mortgage bonds), which helps keep mortgage rates low.
- Peaking economy: There are concerns among investors that the economy has already peaked in its recovery, and that stocks are too optimistic. This also has investors seeking safety in bonds, helping rates.
- Economic data: There is no relevant economic data this week that should have an effect on rates.

๐Ÿ  ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—น๐˜† ๐Ÿญ๐Ÿฎ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘ Average mortgage rates were better last week as sent...
07/12/2021

๐Ÿ  ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—น๐˜† ๐Ÿญ๐Ÿฎ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐Ÿ‘
Average mortgage rates were better last week as sentiment shifted in favor of bonds, setting the stage for rates to improve. Concerns about inflation have seemed to evaporate and concerns about global reflation have taken their place, slowing down stocks but helping bonds and keeping rates low.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜„๐—ถ๐—น๐—น ๐—ฟ๐—ฒ๐—บ๐—ฎ๐—ถ๐—ป ๐—น๐—ผ๐˜„ ๐Ÿ‘
Average mortgage rates this week will remain low, but could move either way depending on how traders react to this week's economic data and how market sentiment plays out. Sometimes we find ourselves at a crossroads, like now, and we have to be reactionary to how the markets move during the week. This week is a great time to stay in touch with your mortgage professional for guidance.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Fed testimony: Fed Chair Jerome Powell will provide his semiannual report to Congress about the state of the economy, and his comments could cause some movement in rates this week.
- Economic data: A busy week for economic data, including consumer inflation data that could pressure rates for the week. We will also see wholesale economic data, and a few Treasury auctions.
- Investor sentiment: A distinct shift in investor risk tolerance is helping rates.

โš ๏ธ ๐—›๐—ฒ๐—ฟ๐—ฒ'๐˜€ ๐—ฎ ๐˜„๐—ฎ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐—ผ๐—ป๐—น๐—ถ๐—ป๐—ฒ ๐—น๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€... ๐˜๐—ต๐—ฒ๐˜† ๐—ฎ๐—ฟ๐—ฒ๐—ป'๐˜ ๐—ฎ๐—น๐˜„๐—ฎ๐˜†๐˜€ ๐—ฎ๐˜€ ๐—ด๐—ผ๐—ผ๐—ฑ ๐—ฎ๐˜€ ๐—ฎ๐—ฑ๐˜ƒ๐—ฒ๐—ฟ๐˜๐—ถ๐˜€๐—ฒ๐—ฑ.Who's going to answer your qu...
07/08/2021

โš ๏ธ ๐—›๐—ฒ๐—ฟ๐—ฒ'๐˜€ ๐—ฎ ๐˜„๐—ฎ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐—ผ๐—ป๐—น๐—ถ๐—ป๐—ฒ ๐—น๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€... ๐˜๐—ต๐—ฒ๐˜† ๐—ฎ๐—ฟ๐—ฒ๐—ป'๐˜ ๐—ฎ๐—น๐˜„๐—ฎ๐˜†๐˜€ ๐—ฎ๐˜€ ๐—ด๐—ผ๐—ผ๐—ฑ ๐—ฎ๐˜€ ๐—ฎ๐—ฑ๐˜ƒ๐—ฒ๐—ฟ๐˜๐—ถ๐˜€๐—ฒ๐—ฑ.

Who's going to answer your questions... help you get a low rate... make sure you've taken advantage of any special programs available to you? ๐Ÿค”

๐Ÿ‘ As a local mortgage professional, I'm available to talk when it is convenient for you and not just during "business" hours. You won't get a different person every time you call, instead I'll know your unique situation and how to help you get the most house for your money.

๐—ฌ๐—ผ๐˜‚'๐—น๐—น ๐—ฏ๐—ฒ ๐—ฎ๐—ฏ๐—น๐—ฒ ๐˜๐—ผ ๐˜๐—ฒ๐˜…๐˜ ๐—บ๐—ฒ ๐—น๐—ถ๐—ธ๐—ฒ ๐˜„๐—ฒ'๐—ฟ๐—ฒ ๐—ฏ๐—ฒ๐˜€๐˜๐—ถ๐—ฒ๐˜€, ๐—ฒ๐—บ๐—ฎ๐—ถ๐—น ๐—บ๐—ฒ ๐—ถ๐—ณ ๐˜๐—ต๐—ฎ๐˜'๐˜€ ๐˜„๐—ต๐—ฎ๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฝ๐—ฟ๐—ฒ๐—ณ๐—ฒ๐—ฟ, ๐—ฐ๐—ฎ๐—น๐—น ๐—บ๐—ฒ ๐˜๐—ผ ๐˜๐—ฎ๐—น๐—ธ ๐—ฝ๐—ฎ๐˜†๐—บ๐—ฒ๐—ป๐˜, ๐—ผ๐—ฟ ๐—ฒ๐˜ƒ๐—ฒ๐—ป ๐˜๐—ผ ๐—บ๐—ฒ๐—ฒ๐˜ ๐—ณ๐—ฎ๐—ฐ๐—ฒ-๐˜๐—ผ-๐—ณ๐—ฎ๐—ฐ๐—ฒ ๐—ถ๐—ณ ๐˜†๐—ผ๐˜‚ ๐—น๐—ถ๐—ธ๐—ฒ.

Don't worry, I have lots of technology at my fingertips to make the process convenient, but I'll still give you the personal attention that will let you sleep at night knowing someone is looking out for you and making sure everything goes according to plan.

๐—ง๐—ต๐—ฒ ๐—ฏ๐—ฒ๐˜€๐˜ ๐—ฝ๐—ฎ๐—ฟ๐˜ ๐—ถ๐˜€ ๐—บ๐˜† ๐—ฐ๐—น๐—ถ๐—ฒ๐—ป๐˜๐˜€ ๐˜‚๐˜€๐˜‚๐—ฎ๐—น๐—น๐˜† ๐—ด๐—ฒ๐˜ ๐—ฎ ๐—ฏ๐—ฒ๐˜๐˜๐—ฒ๐—ฟ ๐—ฟ๐—ฎ๐˜๐—ฒ ๐˜„๐—ผ๐—ฟ๐—ธ๐—ถ๐—ป๐—ด ๐˜„๐—ถ๐˜๐—ต ๐—บ๐—ฒ ๐˜๐—ต๐—ฎ๐—ป ๐˜๐—ต๐—ฒ๐˜† ๐˜„๐—ผ๐˜‚๐—น๐—ฑ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐˜„๐—ผ๐—ฟ๐—ธ๐—ถ๐—ป๐—ด ๐˜„๐—ถ๐˜๐—ต ๐˜๐—ต๐—ฒ ๐—ฏ๐—ถ๐—ด ๐—ฏ๐—ฎ๐—ป๐—ธ๐˜€ ๐—ผ๐—ฟ "๐—ท๐˜‚๐˜€๐˜ ๐—ฎ ๐—ป๐˜‚๐—บ๐—ฏ๐—ฒ๐—ฟ" ๐—ผ๐—ป๐—น๐—ถ๐—ป๐—ฒ ๐—น๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€.

๐Ÿ‘‰ ๐—š๐—ถ๐˜ƒ๐—ฒ ๐—บ๐—ฒ ๐—ฎ ๐—ฐ๐—ฎ๐—น๐—น, ๐˜๐—ฒ๐˜…๐˜, ๐—ผ๐—ฟ ๐—ฒ๐—บ๐—ฎ๐—ถ๐—น ๐˜๐—ผ๐—ฑ๐—ฎ๐˜† so we can find out what mortgage works best for you.I look forward to talking soon!

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—น๐˜† ๐Ÿฌ๐Ÿฒ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐Ÿ‘ Average mortgage rates improved slightly la...
07/06/2021

๐Ÿก ๐—™๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ผ๐—ณ ๐—๐˜‚๐—น๐˜† ๐Ÿฌ๐Ÿฒ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿญ

๐—ฅ๐—ฒ๐—ฐ๐—ฎ๐—ฝ ๐—ผ๐—ณ ๐—น๐—ฎ๐˜€๐˜ ๐˜„๐—ฒ๐—ฒ๐—ธ: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ ๐˜€๐—น๐—ถ๐—ด๐—ต๐˜๐—น๐˜† ๐Ÿ‘
Average mortgage rates improved slightly last week, despite stronger than expected economic data for jobs and wages that normally would have put some pressure on rates. The data came in mixed, with unemployment slightly higher and the pace of hourly earnings growth slowing. Markets and lenders closed early Friday for the holiday weekend and were closed on Monday.

๐— ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—ฅ๐—ฎ๐˜๐—ฒ ๐—™๐—ผ๐—ฟ๐—ฒ๐—ฐ๐—ฎ๐˜€๐˜: ๐—ฅ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜„๐—ถ๐—น๐—น ๐—ฟ๐—ฒ๐—บ๐—ฎ๐—ถ๐—ป ๐—น๐—ผ๐˜„ ๐Ÿ‘
Average mortgage rates this week will remain low, and could even improve slightly. Concerns about the Fed tapering have ebbed a bit, opening the door for rates to improve a little bit in the near term. If concern grows though, we could see rates suffer, so stay in touch with your mortgage professional.

๐Ÿ—“๏ธ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ฎ๐—ณ๐—ณ๐—ฒ๐—ฐ๐˜๐—ถ๐—ป๐—ด ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ:
- Fed stimulus: The Fed continues to buy Treasuries and mortgage bonds, helping keep mortgage rates low. As long as concerns about the Fed reducing bond purchases remain at bay, we should see rates remain low and possibly improve slightly this week.
- Economic data: A quiet holiday shortened week for data, Wednesday's release of last month's Fed meeting minutes could be a concern if investors find Fed officials were talking more about tapering bond purchases.

06/30/2021

๐— ๐—ฎ๐—ฟ๐—ธ๐—ฒ๐˜๐˜€ ๐˜„๐—ถ๐—น๐—น ๐—ฏ๐—ฒ ๐—ฐ๐—น๐—ผ๐˜€๐—ฒ๐—ฑ ๐—ณ๐—ผ๐—ฟ ๐—œ๐—ป๐—ฑ๐—ฒ๐—ฝ๐—ฒ๐—ป๐—ฑ๐—ฒ๐—ป๐—ฐ๐—ฒ ๐——๐—ฎ๐˜†, ๐—ฏ๐˜‚๐˜ ๐—œ'๐—บ ๐˜€๐˜๐—ถ๐—น๐—น ๐—ต๐—ฒ๐—ฟ๐—ฒ ๐˜๐—ผ ๐—ต๐—ฒ๐—น๐—ฝ ๐˜†๐—ผ๐˜‚ ๐˜๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ.

Mortgage markets will close early on Friday July 2nd, at 2pm Eastern, and will be closed on Monday July 5th in observance of Independence Day (which actually falls on Sunday this year).

๐—›๐—ผ๐˜„๐—ฒ๐˜ƒ๐—ฒ๐—ฟ, ๐—œ'๐—บ ๐˜€๐˜๐—ถ๐—น๐—น ๐—ต๐—ฒ๐—ฟ๐—ฒ ๐˜๐—ผ ๐—ฎ๐—ป๐˜€๐˜„๐—ฒ๐—ฟ ๐—ฎ๐—ป๐˜† ๐—ผ๐—ณ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—บ๐—ผ๐—ฟ๐˜๐—ด๐—ฎ๐—ด๐—ฒ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป๐˜€, ๐—ผ๐—ฟ ๐—ฒ๐˜ƒ๐—ฒ๐—ป ๐˜๐—ผ ๐—ต๐—ฒ๐—น๐—ฝ ๐˜†๐—ผ๐˜‚ ๐—ด๐—ฒ๐˜ ๐—ฝ๐—ฟ๐—ฒ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐—ถ๐—ฒ๐—ฑ ๐—ถ๐—ป ๐—ฐ๐—ฎ๐˜€๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—ณ๐—ถ๐—ป๐—ฑ ๐˜๐—ต๐—ฎ๐˜ ๐—ฑ๐—ฟ๐—ฒ๐—ฎ๐—บ ๐—ต๐—ผ๐—บ๐—ฒ ๐Ÿก ๐—ผ๐—ป ๐˜๐—ต๐—ฒ ๐˜„๐—ฎ๐˜† ๐˜๐—ผ ๐˜๐—ต๐—ฒ ๐—ฏ๐—ฒ๐—ฎ๐—ฐ๐—ต ๐Ÿ–๏ธ ๐—ผ๐—ฟ ๐—ฏ๐—ฎ๐—ฟ๐—ฏ๐—ฒ๐—ฐ๐˜‚๐—ฒ ๐Ÿฅฉ. Did you know that I also provide mortgages for second homes/vacation homes ๐ŸŒด?

๐—™๐—ฒ๐—ฒ๐—น ๐—ณ๐—ฟ๐—ฒ๐—ฒ ๐˜๐—ผ ๐—ฟ๐—ฒ๐—ฎ๐—ฐ๐—ต ๐—ผ๐˜‚๐˜ ๐—ฎ๐—ป๐˜†๐˜๐—ถ๐—บ๐—ฒ, I'm always here to help, providing the low rates and convenience of an online lender from a local mortgage professional who you can trust.

๐—›๐—ฎ๐˜ƒ๐—ฒ ๐—ฎ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐˜† ๐—ฎ๐—ป๐—ฑ ๐˜€๐—ฎ๐—ณ๐—ฒ ๐Ÿฐ๐˜๐—ต ๐—ผ๐—ณ ๐—๐˜‚๐—น๐˜†! ๐ŸŽ† ๐ŸŽ‡ ๐Ÿ‡บ๐Ÿ‡ธ ๐Ÿ—ฝ

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Wailuku, HI
96793

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Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 10am - 6pm
Sunday 12pm - 6pm

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