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Loan Products – HHOC Mortgage – Since 2009, as Hawaii’s only non-profit mortgage broker we’ve been offering the full spectrum of loan products with rebate pricing & lenders’ credits. We help minimize Borrowers’ cash outlay for closing costs. DPACC (Down Payment and Closing Cost) The DPACC program is a 15 year deferred loan with NO interest and NO monthly payments.
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The Impacts of Proprietary Products on Reverse Mortgage Volume – “We are doing a lot more jumbos and proprietary reverse mortgages,” says Christina Harmes. has clients who are preferring to go with HECM products even if they qualify for a jumbo loan based on.
An Adjustable Rate Mortgage (commonly referred to as an ARM), is a home loan that the interest payment changes, or adjusts, over the life of the loan. Usually, after an initial fixed period, the interest rate on an ARM will adjust on an annual basis.
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Loan Products – Direct Mortgage Loans – These loans may be made by Fannie Mae, Freddie Mac, and all other mortgages from banks, credit unions, and mortgage companies, including jumbo loans – for the most expensive homes with balances above conforming limits, currently at $417,000.
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