Here To Make Your Home Goals Happen

Thinking of Purchasing A New Home?

Let us help you through the mortgage process. From simple mortgages to complex situations, we're here to help you achieve your home goals.

This advertisement is for informational purposes only and is not an offer to make a loan. The making of any loan and the terms thereof are subject to Finance Factors' underwriting approval. Actual loan qualification requirements will be based on the specific underwriting guidelines applicable to each loan program at the time of application. Other terms and restrictions may apply. Offer available on funded conforming loans for property purchases in Hawaii and Guam only. Complete loan application must be received by May 31, 2024. Available on direct applications or loans referred by Realtors only; brokered loans do not qualify. Offer cannot be combined with any other promotional offer on our mortgage products.
Mortgage 101

Learn more about the road to homeownership.

  • Mortgage Milestones
  • Down Payment Basics
  • What's an ARM Loan?

Explore Our Programs

From simple mortgages to complex situations, Finance Factors has a wide range of programs to fit your mortgage needs.

Next Steps

Our experienced Loan Officers will listen to your story and help find a solution that meets your needs.


Ready To Apply?

Find a Loan Officer or get started online today!

Having the following documents handy will help speed up the application process:
  • 2 year's federal tax returns
  • 2 year's W-2s
  • 2 Most recent paystubs
  • 2 months complete bank statements

Today's Conforming Mortgage Rates

30 Year Fixed Rate Mortgage

15 Year Fixed Rate Mortgage


**A $200,000 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 360 principal and interest monthly payments of $1,247.74 based on a 30 Year Fixed Rate at 6.375% with 1.750 points and 6.692% APR.

**+A $200,000 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 180 principal and interest monthly payments of $1,660.82 based on a 15 Year Fixed Rate at 5.750% with 1.750 points and 6.257% APR. 

The payments shown above do not include taxes and insurance premiums, actual payment obligations will be greater. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $1,149,825. Rates effective 5/17/24 and are subject to change without notice. Other restrictions may apply.  Additional rates and terms available.

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