Step 1
Contacting the mortgage department – We are open seven days a week, so when you need a rate quote or questions answered you can call (808) 539-0193 from Monday through Friday 10 a.m. to 7 p.m. Pacific Standard Time and 12 p.m. to 5 p.m. on the weekend. At any time in your shopping process, our highly skilled loan originators will be happy to assist you in finding the program that best suits your borrowing goals. Our staff is trained to give you straightforward, honest answers that make getting the right loan easy. Whether you want a Good Faith Estimate, Pre-qualification, or even pre-approval, you never have to leave your home or office. We allow you to Inquire Online or we can gather the proper information over the phone and fax or mail the necessary documents directly to you. You may contact us at anytime by using the "Contact us" option located on the top left hand side of your screen.

Step 2 (15 minutes)
Applying- There is no longer a need to drive to a loan office and spend hours wasting time. You can submit your loan application by phone (808) 539-0193 instantly. The process takes about ten minutes! You can also Inquire Online or by fax. At the time of application you will be charged a $300 application fee that will be applied toward your closing costs, we secure this payment by credit card or check. Once your deposit is received your credit will be screened and income will be reviewed to expedite the loan approval process.

Step 3 (24 hours)
Confirmation of Application- Within 24 hours you will be sent complete documentation relating to your loan, much of it already filled out, for your approval and signature. This package will include an application, Good Faith Estimate of Settlement Charges, a Federal Truth-in-Lending disclosure statement, our disclosures, and a list of documentation that will be required to expedite the processing of your loan. You will be requested to return these documents in a timely manner by mail or by fax at (808) 539-0174.

Step 4 (7 days)
What Happens Next- Once your application is received by the processing center your credit, income, and asset information is verified for accuracy and a credit and income decision will be completed. Upon approval an appraiser local to your area will be commissioned to review the property. A Processing Agent will be assigned to your file acting as your contact for any questions relating to your loan. At this point we will select the title co./ settlement agent to handle your closing, unless you identify, and notify us of your own preference.

Step 5 (24 hours)
Loan Approval- The underwriting decision to approve or deny a loan is based upon several basic factors: credit, income, debt to income ratios, cash savings and property appraisal. The final underwriting process typically will be completed within 24 hours of receipt of a completed file. If any issues arise during the underwriting process your assigned Processing Agent will immediately contact you with instructions on how to satisfy underwriting conditions.

Step 6 (5 days)
How and When You Get Your Money- After you have been approved, we will prepare the closing documents that will be supplied to the closing agent. Signing usually occurs within three days of approval and will require a notary to seal some of the forms. The loan will record and you receive the funds typically within 3 to 5 business days upon return receipt of fully executed documents depending upon the type of transaction.

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