United States Department of Agriculture Loan Specialists 

 

For many the mention of USDA conjures up thoughts of farmers, ranchers, and regulations related to the safety of meat, poultry, and egg products.

Indeed USDA is committed to helping farmers and ranchers and their associated industries, but the agency does much more to assist Americans of all backgrounds in many ways.

In fact, more and more Americans are taking advantage of USDA's programs designed to bring housing, modern facilities, telecommunications, and safe drinking water to unincorporated rural areas, towns, and cities with lower populations.

One of the housing programs gaining popularity is the USDA Guaranteed Rural Development Loan, a program with unique benefits to assist individuals and families acquire homes.

OUR PURPOSE 
HawaiiGovernmentHomeLoans.com believes in the principles, values, and benefits of the American Dream of Homeownership.  Our purpose is to educate individuals regarding their options and assist them through the loan process. 

PURCHASING A HOME?
Deciding to purchase a home is a very important decision to make.  Almost as important as deciding which home to purchase.  We are here to assist you with all the paper work in order to reduce the stress of purchasing your home.  Whether you're a first time home buyer or an experienced buyer, we are knowledgeable and can walk you through the steps of getting a USDA Loan.

REFINANCING A HOME?
If you are looking to refinance, our USDA Loan Specialists are standing by to give you the help you need.  We can help you evaluate your loan terms against current USDA Programs to determine if a refinancing is a good option.   

FREE PRE-QUALIFICATION
Whether you plan to purchase a new home, refinance an existing home loan for a better interest rate, or take cash-out, please contact us today for your FREE Consultation.  We are here to answer any questions you may have and explore solutions to fit your needs.  You may contact a USDA Loan Specialist using our simple online form or directly at 808.358.7067.

Benefits of USDA Loans (Purchase)

• No Down Payment is required in most cases.

• Up to 102% Financing

• Finance Closing Cost

• No monthly mortgage insurance premium to pay.

• No First-time Homebuyer Requirement

• Traditional Fixed Payments Available

• No Assets/Reserves needed to qualify

• No Limit on Seller Credit

• No Pre-Payment Penalty

• Flexible Guidelines - Don't need to have Perfect Credit 

• USDA Loans have           No Loan Limits