:: Mortgages and Credit Reports

Many home buyers are very worried about how their credit report will affect their ability to buy a home. We even heard one story that an applicant was denied a mortgage because he had returned a rented videotape late!

Of course, that could never happen. Most people will not need to worry about the effects of their credit history during the mortgage process. However, you can be better prepared if you get a copy of your credit report to review before you apply for your mortgage. That way, if there are any errors you can take steps to correct them before you make your application.

If you have had credit problems, be prepared to discuss them honestly with a mortgage professional and come to your application meeting with a written explanation. Responsible mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties. If you had a problem that's been corrected, and your payments have been on time for a year or more, your credit may be considered satisfactory.

Download this booklet for answers on FICO scores.

:: Useful Links

Honolulu Board Of Realtors

To see what the beautiful state of Hawaii has to offer the world in Real Estate.

Pacific Realty Ventures

Oahu's premier real estate company, serving Hawaii for over 20 years.

Current Mortgage Rates in Hawaii

Try this to compare our rates with other Lending institutions.

Financial Trends

Use this link to read up on current day to day trends.

Hawaii Chamber of Commerce

Welcome to the business center of the Pacific.

Realtor.com

Real estate in the United States of America.

Hawaii State Government   

Direct link to our States Government.

Hawaiian Electric

See current rates, Order changes,  Pay your Electricity bill, The Electric Kitchen, etc...

Surf News Network

Ocean Sports News

Honolulu Tide Report

For more details please contact:

One Stop Financial Services
1860 Ala Moana Blvd., Suite 110 Honolulu, Hawaii 96815 [Map it]
Phone: 808-983-3323
Fax: 808-983-3325
888.591.0749 Toll Free fax

E-mail: approve@mortgage-hawaii.com

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