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.

Mortgage 101

Learn more about the road to homeownership.

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

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Explore Our Programs

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

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Next Steps

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

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Ready To Apply?

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

Find a Loan Officer or get started online today!

Our online application has many convenient features to help walk you through the process and get your home loan details in order. Allowing the system to verify your details is the fastest, most accurate way to proceed - but you can always contact a loan officer for assistance.

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Today's Conforming Mortgage Rates

30 Year Fixed Rate Mortgage

6.375

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15 Year Fixed Rate Mortgage

5.500

%**

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disclosures

*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 2.000 points and 6.717% 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 $1,634.17 based on a 15 Year Fixed Rate at 5.500% with 1.875 points and 6.021% 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 $1,209,750. Rates effective 4/18/25 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.

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Enjoy complimentary access to all kinds of online services designed to make your Finance Factors more convenient, flexible, and personal.