Fixed Rate Conventional Loans


What is a Conventional Loans

Conventional loans are offered by non-government sponsored lenders. A conventional, or conforming, mortgage adheres to the guidelines set by Fannie Mae and Freddie Mac. It may have either a fixed or adjustable rate. These loans have evolved from 30-year mortgage with 20% down payment, to 3% down payment and you can choose any term length, such as 23 years or 14 years. Make your mortgage work for you!

With all loans, credit score is important, the lower the credit score, the higher the interest you will receive. All conventional loans with less than 20% down payment have mortgage insurance premiums, which protects the lender if you default.


Primary residence and must be a single family home. A single family home may have 1-4 units meaning you would own all but live in at least one.


3% down payment plus closing costs. We will provide a loan estimate so you may anticipate estimated closing costs.


3% down payment and sliding scale mortgage insurance.

Loan Limits

$679,650 maximum loan limit. If your needs are greater we will provide you with a jumbo loan.

How Can We Help You?

Several new loan programs have emerged allowing you to get a new mortgage with zero down and 3% down payment. We will discuss your options to deliver the best loan for your needs. Although we are located in Kailua Kona, Hawaii, we can service anyone in the Hawaiian Islands.

Get approved today!

Recent Question

I am retiring in 11 years and have my mortgage, one auto loan and a few open lines of credit. Can I re-do my mortgage and pay everything off without resetting the mortgage-clock to 30 years?   YES! You may get a cash-out refinanced 11-year fixed-rate mortgage to pay off all existing debts with a single monthly payment that will end in 11 years right when you retire. We can provide you with any loan term to suit your goals.