Question 1

Can I use RSU income to qualify for a mortgage in the Bay Area?

Accepted Answer

Yes. As a Bay Area specialist, I understand how to underwrite Restricted Stock Units (RSUs) and bonus income common in the tech industry (Google, Apple, Meta). While many big banks require a 2-year history, we have access to lenders who can often use your current RSU vesting schedule to boost your qualifying power immediately.

Question 2

What is the difference between a Mortgage Broker and a Bank?

Accepted Answer

A bank can only offer you their specific rates. As an independent broker, I work for you, not the bank. I shop dozens of wholesale lenders simultaneously to find the lowest rate and best terms for your scenario. This often results in lower interest rates and lower closing costs than retail banking.

Question 3

How do Hawaii VA Loans work for active military and veterans?

Accepted Answer

Hawaii has some of the highest VA loan limits in the country. We specialize in helping veterans use their entitlement to buy homes with $0 down payment. We also understand the specific nuances of buying on Oahu near bases like JBPHH and MCBH, ensuring a smooth closing in 30 days or less.

Question 4

Do you handle Condotel or Non-Warrantable condos in Honolulu?

Accepted Answer

Yes. Many properties in Waikiki and immense resort areas are classified as Condotels, which traditional banks often reject. We have specific loan products designed for short-term rental properties and investment condos across Oahu, Maui, and the Big Island.

Question 5

What types of loans do you offer in California and Hawaii?

Accepted Answer

I offer a comprehensive range of mortgage products including conventional loans, FHA loans, VA loans (for military and veterans), USDA loans, jumbo loans, refinancing options, home equity loans, and home equity lines of credit (HELOC). I also specialize in first-time homebuyer programs specific to both California and Hawaii.

Question 6

How long does the mortgage process typically take?

Accepted Answer

The timeline varies depending on the loan type and your specific situation, but most purchases close within 30-45 days. Refinances can often be completed in 2-3 weeks. I work efficiently to expedite the process while ensuring everything is done correctly. I'll provide you with a detailed timeline during our initial consultation.

Question 7

What credit score do I need to qualify for a mortgage?

Accepted Answer

Credit score requirements vary by loan type. Conventional loans typically require a minimum score of 620, FHA loans can go as low as 580, and VA loans are often more flexible. However, higher credit scores generally qualify for better rates. Even if your credit isn't perfect, I can help you explore your options and work on improving your score.

Question 8

How much do I need for a down payment?

Accepted Answer

Down payment requirements vary by loan type. Conventional loans can require as little as 3% down for first-time buyers, FHA loans require 3.5%, VA loans offer 0% down for eligible veterans, and USDA loans also offer 0% down in eligible rural areas. California and Hawaii also have special down payment assistance programs for first-time buyers that I can help you access.

Question 9

Are there special programs for first-time homebuyers in California and Hawaii?

Accepted Answer

Yes! Both California and Hawaii offer excellent programs for first-time buyers. In California, CalHFA provides down payment assistance and special loan products. In Hawaii, the Hawaii Housing Finance and Development Corporation (HHFDC) offers down payment assistance grants and reduced rates. I'm an expert in these programs and can help you determine which ones you qualify for and how to maximize your benefits.

Question 10

What documents do I need to apply for a mortgage?

Accepted Answer

Typically, you'll need recent pay stubs (last 2 months), W-2s or tax returns (last 2 years), bank statements (last 2 months), photo ID, proof of any other income, and information about your debts. For self-employed borrowers or those with RSU income, additional documentation may be required. I'll provide you with a complete checklist during our consultation.

Question 11

Can I get pre-approved before house hunting?

Accepted Answer

Absolutely! Getting pre-approved is highly recommended before you start house hunting in California's and Hawaii's competitive markets. Pre-approval shows sellers you're a serious buyer and gives you a clear understanding of your budget. I can typically provide pre-approval within 24-48 hours of receiving your documentation.

Question 12

Do you charge any fees for your services?

Accepted Answer

I believe in transparency. My compensation comes from the lender at closing, and in many cases, there are no out-of-pocket fees to you. Any applicable fees will be clearly disclosed upfront in your Loan Estimate. There's absolutely no cost for initial consultations or rate quotes.

Question 13

What makes you different from big online lenders?

Accepted Answer

Unlike big national lenders, I provide personalized, local service with deep knowledge of California's Bay Area and Hawaii's unique real estate markets. You'll work directly with me throughout the entire process—no call centers or automated systems. I'm available by phone, text, or email, and I'm committed to finding you the best rate and terms available. Plus, my $1,000 guarantee ensures I'm always working in your best interest.

Question 14

Can I refinance if I have an existing mortgage?

Accepted Answer

Yes! Refinancing can be a great way to lower your monthly payment, reduce your interest rate, shorten your loan term, or tap into your home's equity. I'll analyze your current mortgage and show you exactly how much you could save. If refinancing makes sense for your situation, I'll make the process smooth and efficient.

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Market Intelligence & Mortgage News

RSU & Bonus Income: A Guide for Bay Area Tech Buyers

Buying a Condotel in Waikiki: Financing Secrets

The "Point" Strategy: When to Buy Down Your Rate

VA Loans in Hawaii: Benefits for Military Families

How to Improve Your Credit Score Before Applying

Condo vs. Single-Family Home: What's Right for You?

Expert Answers to Your Mortgage Questions