Obtain the Best Rates & Lowest Closing Costs


When you are ready to purchase a home, it makes sense to negotiate from the strongest position possible. In a strong real estate market, sellers can be more selective in the final buyer they choose to negotiate with. In such a crazed seller's market, it's not uncommon for a home seller to receive multiple offers on their property. With that said, there are certain things you can do to make certain that your offer is the one Seller goes with.

The vast majority of Purchaser's today go about the process entirely wrong, putting themselves at an overwhelming disadvantage!

Let's look at this from the Seller's perspective for a moment. If you were the Seller and had multiple offers on your property, all things being equal, would you accept the one with Certificate of Financing Approval or the one that was still Conditional on Financing? The answer is obvious. Why then, do so many buyers wait to start the financing until after they have found the home?

What I have found is that those buyers are usually very good, qualified buyers and are not worried about getting approved. Even though they usually are correct and will ultimately be Approved, the Seller in most cases has no guarantees.

Lastly, from a cost savings perspective...

As a prospective purchaser, it makes all the more sense to start the financing early on so you can get a firm handle on your interest rate and estimate of points and closing costs. If you do this before finding a home, you are not under any time constraints and are less likely to over pay like a buyer who has found a home and is under strict time constraints.

Should you decide that you wish to take advantage of Pre-Approval, simply complete the form below! Cindy Kim from Hawaiian Island Mortgage will assist you in locating the absolute best mortgage rate and lowest closing costs possible.

Cynthia "Cindy" Kim

Branch Manager

Loan Officer Instructor

NMLS: #609928

Direct: 808.797.2433 ext. 388

Mobile: 808-798.2446


Office: 677 Ala Moana Blvd. Suite 210A

            Honolulu, HI 96813

Documents to Prepare

  • Current pay stubs for the last 30 days

  • Personal Federal tax returns and W2s for the last 2 years

  • Self Employed – last 2 years tax returns, YTD P&L and Balance Sheet

  • Bank & Investment Statements for the last 2 months (if applicable)

  • Current Rental Agreements for all investment properties (if applicable)

  • If you own any properties: Mortgage Statement, Property Tax Info, Homeowners Insurance Declaration Page, Home Owners Association Statement

See What You Qualify For Below