The Road To Homeownership

Mortgage 101

Finance Factors is here to help you navigate the road on your journey to homeownership.

Mortgage Milestones

Download this handy roadmap of what to expect during the mortgage process and a list of common mortgage terms.


Down Payment Basics

Did you know that a 20% down payment is not required for you to buy a home?

  • With a Home Possible loan, you could get a 30-year fixed rate loan with as little as 3% down. There are income restrictions so talk to a loan officer about your options.
  • Finance Factors also has solutions that could allow up to 100% financing or more on a purchase! Our unique multi-collateral program is a powerful tool to address no/low down payment scenarios:
    • Use the equity in a parent’s property as the down payment. This allows a parent to help their child without having to take out a loan or use their assets.
    • Use equity in an existing property you own to buy another property.
    • Siblings can combine the equity in multiple properties to purchase a property jointly.
    • Many more uses.

Call our Mortgage Hotline at 808-548-3300 to speak to a loan officer about your home goals.


What is an ARM and how can it help me?

ARM stands for Adjustable-Rate Mortgage. Watch this short video to learn a little more about ARMs and how it can help when interest rates are high.

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