Are you ready to take the exciting step of buying your first home in Hawaii on all islands like Ma? Look no further than GeorgeThoma Loans – Kama’aina Mortgage, where we are dedicated to assisting you throughout the entire loan process with our expert loan specialists.
Get Pre-Qualified for Free: Before embarking on your home search, take advantage of our free pre-qualification service. Our team will help you understand how much you can afford, making your home search more efficient and tailored to your budget.
Trusted Real Estate Agent Partnerships: We understand the value of a reliable real estate agent in finding the right home. Through our partner networks, we can connect you with trusted agents who will assist you in the search for your dream home.
Personalized Attention for First-Time Home Buyers: As a first-time homebuyer, you likely have numerous questions and uncertainties. Our dedicated loan specialists are always available to provide personalized attention, guiding you through the application process and offering valuable tips during your home search.
Find Your Perfect Home: We understand that finding the perfect home is crucial. Our loan specialists will not only assist you with financing but also help you find a home that aligns with your specific requirements and budget.
Explore Flexible Loan Options: George Thoma Loans with Kama’aina Mortgage Group Inc. offers a variety of loan options, allowing you to purchase your first home with little money down. Our loan specialists will work closely with you to ensure that your loan payments are designed to meet your unique financial needs.
VA Loan (0% down payment required )
-600 Minimum FICO/Credit Score
-100% financing up to $1.5 million
-Must be primary residence
-No monthly mortgage insurance payments
-Does have an upfront VA Funding Fee
-No income restriction
-No geographical restrictions
-Must be active duty, veteran, eligible spouse of veteran
USDA Loan (0% down payment required )
-600 Minimum FICO/Credit Score
-100% financing up to county limit HERE
-Must be primary residence
-Does have monthly mortgage insurance payments
-Does have an upfront Mortgage Insurance Premium Fee
-Income restriction (can not exceed USDA income guidelines HERE)
-Geographical restrictions (restricted to non-urban areas HERE)
-All borrower types eligible
FHA DPA Loan ( 0% down payment required )
-600 Minimum FICO/Credit Score
-96.5% financing PLUS 3.5% down payment assistance second mortgage = 100%
-Must be primary residence
-Does have monthly mortgage insurance
-Does have an upfront Mortgage Insurance Premium Fee
-No income restriction
-No geographical restrictions
-All borrower types eligible
-Does have a FORGIVABLE down payment assistance loan option
FHA Loan ( 3.5% down payment required )
-600 Minimum FICO/Credit Score
-3.5% minimum down payment required.
-Must be primary residence
-Does have monthly mortgage insurance
-Does have an upfront Mortgage Insurance Premium Fee
-No income restriction
-No geographical restrictions
-All borrower types eligible
HomeOne ( 3 % down payment required )
-620 Minimum FICO/Credit Score
-3% minimum down payment required.
-Must be primary residence
-Does have monthly mortgage insurance (less than FHA and USDA)
-No upfront Mortgage Insurance Premium Fee
-No Income restriction
-No geographical restrictions
-At least one borrower must be a First-Time home buyer
HomePossible ( 3% down payment required )
-620 Minimum FICO/Credit Score
-3% minimum down payment required.
-Must be primary residence
-Does have monthly mortgage insurance (less than FHA and USDA)
-No upfront Mortgage Insurance Premium Fee
-Income restriction (80% or less of your Area Median Income HERE)
-No geographical restrictions
-All borrower types eligible
HomeReady ( 3% down payment required )
-620 Minimum FICO/Credit Score
-3% minimum down payment require
-Must be primary residence
-Does have monthly mortgage insurance (less than FHA and USDA)
-No upfront Mortgage Insurance Premium Fee
-Income restriction (80% or less of your Area Median Income HERE)
-No geographical restrictions
-All borrower types eligible
Make your dream of homeownership a reality here in Hawaii with GeorgeThoma Loans – Kama’aina Mortgage. Contact us today to start the journey toward your new home!
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Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
