| Lender | Term/Type | Interest Rate | % Points | % *APR |
|---|---|---|---|---|
| Aina Mortgage 263-2462 NMLS#388196 |
15-YR Fixed | 2.750 | -0.750 | 2.750 |
| 30-YR Fixed | 3.250 | 0.500 | 3.323 | |
| 5-YR ARM | 2.500 | 0.000 | 3.076 | |
| Aloha Happy Mortgage LLC 888-9013 NMLS#790278 |
15-YR Fixed | 2.750 | -0.750 | 2.765 |
| 30-YR Fixed | 3.250 | 0.750 | 3.380 | |
| 5-YR ARM | 2.375 | 0.500 | 2.820 | |
| American Family Lending 371-6797 NMLS#218278 |
15-YR Fixed | 2.750 | 0.000 | 2.802 |
| 30-YR Fixed | 3.375 | 0.000 | 3.406 | |
| 5-YR ARM | 2.625 | 0.000 | 3.046 | |
| American Home Finance 534-1945 |
15-YR Fixed | 2.750 | 0.000 | 2.870 |
| 30-YR Fixed | 3.250 | 0.000 | 3.350 | |
| 5-YR ARM | 2.750 | 0.000 | 2.850 | |
| American Savings Bank 593-1226 |
15-YR Fixed | 2.500 | 1.875 | 2.858 |
| 30-YR Fixed | 3.250 | 2.125 | 3.475 | |
| 5-YR ARM | 2.625 | 1.500 | 3.201 | |
| Bank of Hawaii 877-616-2636 NMLS#473824 |
15-YR Fixed | 2.625 | 1.625 | 2.859 |
| 30-YR Fixed | 3.375 | 1.750 | 3.517 | |
| 5-YR ARM | 2.999 | 0.000 | 3.326 | |
| Castle & Cooke Mortgage 627-9834 NMLS#384418 |
15-YR Fixed | 2.750 | 1.500 | 3.083 |
| 30-YR Fixed | 3.375 | 1.750 | 3.583 | |
| 5-YR ARM | 2.625 | 2.000 | 3.285 | |
| Central Pacific HomeLoans 356-4000 NMLS#416615 |
15-YR Fixed | 2.500 | 2.000 | 2.879 |
| 30-YR Fixed | 3.375 | 1.125 | 3.521 | |
| 5-YR ARM | 2.500 | 2.125 | 3.031 | |
| CUSO of Hawaii 539-0193 NMLS#325608 |
15-YR Fixed | 2.750 | 1.750 | 3.030 |
| 30-YR Fixed | 3.375 | 2.000 | 3.556 | |
| 5-YR ARM | 3.625 | 1.000 | 3.236 | |
| Finance Factors 522-2000 NMLS#449916 |
15-YR Fixed | 2.625 | 0.750 | 2.790 |
| 30-YR Fixed | 3.375 | 0.375 | 3.436 | |
| 5-YR ARM | 3.000 | 1.500 | 3.331 | |
| First Hawaiian Bank 643-4663 NMLS#420391 |
15-YR Fixed | 2.590 | 2.000 | 2.910 |
| 30-YR Fixed | 3.250 | 2.000 | 3.430 | |
| 5-YR ARM | 2.750 | 2.000 | 3.260 | |
| Guild Mortgage 263-4622 NMLS#240838 |
15-YR Fixed | 2.750 | 2.000 | 2.989 |
| 30-YR Fixed | 3.375 | 1.500 | 3.509 | |
| 5-YR ARM | 2.500 | 1.500 | 3.012 | |
| Hawaii Mortgage Resources, LLC 526-2499 NMLS#243743 |
15-YR Fixed | 2.750 | -0.500 | 2.816 |
| 30-YR Fixed | 3.375 | 0.000 | 3.412 | |
| 5-YR ARM | 2.500 | 0.250 | 3.128 | |
| HomeStreet Bank 596-0343 NMLS#417396 |
15-YR Fixed | 2.750 | 1.000 | 3.047 |
| 30-YR Fixed | 3.250 | 2.250 | 3.521 | |
| 5-YR ARM | 2.375 | 0.375 | 3.722 | |
| Honolulu HomeLoans 681-7500 NMLS#314918 |
15-YR Fixed | 2.500 | 1.875 | 2.864 |
| 30-YR Fixed | 3.250 | 2.250 | 3.485 | |
| 5-YR ARM | 2.375 | 1.500 | 3.311 | |
| House of Finance 847-8493 NMLS#378949 |
15-YR Fixed | 2.625 | 1.375 | 2.932 |
| 30-YR Fixed | 3.375 | 1.250 | 3.542 | |
| 5-YR ARM | 2.625 | 1.750 | 3.681 | |
| Imperial Mortgage 263-6363 NMLS#289505 |
15-YR Fixed | 2.750 | -0.125 | 2.851 |
| 30-YR Fixed | 3.250 | 1.375 | 3.427 | |
| 5-YR ARM | 2.375 | 1.125 | 3.130 | |
| Lau, Donald Mortgage 732-8893 NMLS#299579 |
15-YR Fixed | 2.625 | 2.000 | 3.005 |
| 30-YR Fixed | 3.250 | 2.000 | 3.465 | |
| 5-YR ARM | 3.625 | 2.000 | 3.338 | |
| Legacy Mortgage 545-2212 NMLS#389862 |
15-YR Fixed | 2.750 | 0.000 | 2.814 |
| 30-YR Fixed | 3.250 | 0.500 | 3.293 | |
| 5-YR ARM | 2.375 | 0.250 | 3.031 | |
| Mann Mortgage 566-0505 |
15-YR Fixed | 2.625 | 2.000 | 3.066 |
| 30-YR Fixed | 3.250 | 1.250 | 3.438 | |
| 5-YR ARM | 2.250 | 2.000 | 3.142 | |
| Mason-McDuffie Mortgage 566-0138 NMLS#274184 |
15-YR Fixed | 2.875 | 0.500 | 3.051 |
| 30-YR Fixed | 3.375 | 1.000 | 3.517 | |
| 5-YR ARM | 2.875 | 0.125 | 3.368 | |
| Miranda, Violet Mortgage 488-7749 NMLS#250816 |
15-YR Fixed | 2.750 | -1.000 | 2.750 |
| 30-YR Fixed | 3.250 | 0.500 | 3.290 | |
| 5-YR ARM | 2.375 | 0.250 | 3.046 | |
| Mortgage Express 532-9555 NMLS#372160 |
15-YR Fixed | 2.750 | 0.000 | 2.821 |
| 30-YR Fixed | 3.375 | 0.000 | 3.401 | |
| 5-YR ARM | 2.990 | 0.000 | 3.332 | |
| Savvy Realty & Loans 926-3700 NMLS#323171 |
15-YR Fixed | 2.750 | 0.000 | 2.899 |
| 30-YR Fixed | 3.375 | 0.000 | 3.459 | |
| 5-YR ARM | 2.375 | 0.000 | 2.454 | |
| Territorial Savings 946-1400 NMLS#449554 |
15-YR Fixed | 2.625 | 1.750 | 2.931 |
| 30-YR Fixed | 3.375 | 1.000 | 3.486 | |
| 5-YR ARM | 4.250 | 2.000 | 3.376 | |
| Wells Fargo Home Mortgage 946-8832 NMLS#459096 |
15-YR Fixed | 2.500 | 1.000 | 2.641 |
| 30-YR Fixed | 3.375 | 1.625 | 3.511 | |
| 5-YR ARM | 2.000 | 1.875 | 3.399 |
A short sale will lower your credit score by 100 or more ptoins.You do need to show a hardship to the lender in order to qualify or get the ok from the lender to short sale your house.Short sales are NOT a quick way to get out of your house. Banks notoriously will sit on offers for months and sometimes not even approve of any of them in the end, which will send you into foreclosure if you stop paying on the mortgage.My guess is, if you cannot show a hardship, you are not going to be granted a short sale.You also would not be buying another house anytime soon with a short sale on your credit report.Just because you are underwater does not mean you can get out from under your obligation.
Posted by: Junior | 10/12/2012 at 10:39 PM