You’ve been lied to about down payments—and it’s costing you big

loan products

You’ve been lied to about down payments—and it’s costing you big

  Let’s bust a myth that’s holding way too many people back from buying a home. You’ve probably heard it: “You need 20% down to buy a house.” And while it sounds responsible and smart on the surface, it’s not always the winning strategy people think it is. In fact, waiting until you have 20%…

Read More

No W-2? No Problem! Who told you you need a W-2 to buy a home?

Let’s get one thing straight: just because you don’t have a traditional 9-to-5 job with a W-2 doesn’t mean homeownership is out of reach. That outdated idea? Toss it out. In today’s world, the workforce is shifting. More people are building businesses, freelancing, creating content, driving rideshare, and working gigs on their own terms. You’re…

Read More

If You’re Buying a Home in 2025, You NEED These 4 Accounts in Place!

If-Youre-Buying-a-Home-in-2025 Buying a home is one of the biggest financial moves you’ll ever make. And if you’re planning to buy in 2025, setting up the right financial accounts now can make all the difference between a smooth homebuying experience and unnecessary stress. As a mortgage broker, I’ve helped countless buyers navigate the process, and I…

Read More

Graduated Payment Mortgage Program

GPM

Calling all Realtors, I am hosting a Zoominar for you! Are current interest rates keeping your clients from their real estate goals? Sign up for my upcoming Zoominar on 12/15/2023 or schedule a 121 call with me today! If you prefer coffee talks let’s do it (808)276-6855! Let me help you achieve your real estate…

Read More

Homebuying Success Series

Homebuying Success Series-Blog

Joining this series will give you priceless information you need to reach your goal of homeownership. I will be sharing with you from start to finish of the homebuying process, to ensure you will know what to expect, and help you prepare to secure the best future for you and your family. There are 6…

Read More

Land and Construction – Mar 2023

LC Zoominar 2022- blog

ALOHA!  Featuring our Land & Construction Zoominar on Wednesday, March 22, 2022 @ 6:30pm (registration required) Attending will give you the “What you need to know” about: Land Loans Construction Loans Timeline Preparation Seats are limited, SECURE YOUR SPOT TODAY ←click to register Is this ZOOMINAR for you? Dreams of building your DREAM HOME? Plans to expand or upgrade? Interested in…

Read More

March Renters to Owners Zoominar

RO post- March

 Click Image to enlarge Who should attend? Anyone who… is tired of RENTING… has thought of purchasing a home in Hawaii would like to learn homebuying preparations would like to learn about down payment assistance & our EXCLUSIVE buyer advantage programs Join me as I share information about the process and programs with First Time Homebuyers. I provide more…

Read More

Renters to Owners Zoominar

RO Blog face (Blog version) (5.5 × 10 in) (4)

 Click Image to enlarge Who should attend? Anyone who… is tired of RENTING… has thought of purchasing a home in Hawaii would like to learn homebuying preparations would like to learn about down payment assistance & our EXCLUSIVE buyer advantage programs Join me as I share information about the process and programs with First Time Homebuyers. I provide more…

Read More

Renters to Owners Zoominar – Jan 2023

 Click on image to enlarge Who should attend? Anyone who… is tired of RENTING… has thought of purchasing a home in Hawaii would like to learn homebuying preparations would like to learn about down payment assistance & our EXCLUSIVE buyer advantage programs Join me as I share information about the process and programs with First Time Homebuyers. I provide…

Read More

2023 Conventional Loan Limits

Houses of different size with different value on stacks of coins. Concept of  property, mortgage and real estate investment.

The Federal Housing Finance Agency (FHFA) has released the loan limits for 2023.  With this announcement, FHFA has effectively raised the limit on how many dollars can be borrowed using Fannie Mae & Freddie Mac Conventional loan products.  The loan limits increased across the nation, with variances in the increases for “high cost areas”, and…

Read More
Christie Mitsumura - Blue Seas Team - Logo

Christie Mitsumura NMLS #1396234

Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS# 1141

Christie Mitsumura - Blue Seas Team

Cell: (808) 276-6855

Email: cmitsumura@masonmac.com

Waimea Office:
67-1185 Mamalahoa Highway
Unit 7F
Kamuela, HI 96743

Maui Office:
33 Lono Ave
Suite 225
Kahului, Hi 96732

Licensing:

 This is not a commitment to lend - Envoy Mortgage Ltd. #6666 (www.nmlsconsumeraccess.org) | 952 Echo Lane, Suite 190 Houston, TX, 77024, 877-232-2461 | www.envoymortgage.com | FL - Envoy Mortgage, Ltd. – Mortgage Lender/Servicer Licensee – License # MLD719 GA - Envoy Mortgage , LTD (LP), Georgia Residential Mortgage Licensee, Mortgage Lender License/Registration License #23619 IL - Illinois Residential Mortgage Licensee, Lender License #MB.6759338; For licensing information, go to: www.nmlsconsumeraccess.org | IN - Envoy Mortgage, LP – First Lien Mortgage Lender Licensee – License # 10898; Subordinate Lien Mortgage Lending Licensee – License # 11385 IA - Envoy Mortgage Ltd. – Mortgage Banker Licensee – License # 2010-0027; and Debt Collector Registration KY - Envoy Mortgage Ltd. – Mortgage Company Licensee – License # MC23382 MI - Envoy Mortgage, A Limited Partnership – First Mortgage Broker/Lender/Servicer – License # FR0020582; Registration # FR0018491; 2nd Mortgage Broker/Lender/Servicer Registration #SR0019595 | MN - Envoy Mortgage, A Limited Partnership – Residential Mortgage Originator Licensee – License # MN-MO-40165932. NC - Envoy Mortgage Ltd. – Mortgage Lender Licensee – License # L-121212 TN - Envoy Mortgage, L.P. – Mortgage License – License #109255; Collection Agency License VA - Envoy Mortgage, LTD, LP, NMLS ID#6666 (www.nmlsconsumeraccess.org) – Lender License and Broker License # MC3021; | Other authorized trade names: Envoy Mortgage LP; Envoy Mortgage of Wisconsin; Envoy Mortgage, A Limited Partnership; Envoy Mortgage, L.P.; Envoy Mortgage, Limited Partnership; Envoy Mortgage, LP; Envoy Mortgage, LTD Limited Partnership; ENVOY MORTGAGE, LTD, LP (USED IN VA BY: ENVOY MORTGAGE, LTD); Envoy Mortgage, LTD. (LP) | 10192026

Follow us on Social Media