2023 Conventional Loan Limits

housing

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…

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Renters to Owners Zoominar 12/16/2022 @ 7p

RO Blog face (Blog version) (5.5 × 10 in) (1)

Click picture 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…

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Veterans Zoominar

A special MAHALO to all who have served our Country!

 Click the image to enlarge   Mahalo to ALL who have served our armed forces!    What to expect from our VA Loan Zoominar? ⇒ No Down payment ⇒ No Mortgage Insurance ⇒ VA Renovation Loans ⇒ Competitive Rates I invite you to join us for our education zoominar on Tuesday, Nov 08, 2022 @…

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What is a 203K Loan?

203K

Is your home in need of renovations and repairs? A 203K loan could be your answer! A 203K loan is a home improvement loan that allows borrowers to finance the cost of repairs or improvements on their home. It’s typically used for projects that will increase the property’s value and/or improve its energy efficiency. It…

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Rehabilitation/Renovation Zoominar

Blog- REHABILITATION

 REHABILITATION / RENOVATION ZOOMINAR  (Click the image to enlarge) Attend my Zoominar to learn about programs and products we have to help with: renovating an existent home purchasing a home that needs Rehabilitation What the process entails Timelines Tips and what repairs are eligible. With more than 23+ years it the industry I have assisted…

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Sept 21, 2022 Fed Rate Hike

Interest Rates and The Federal Reserve - Sunset

The Fed has once again raised their Fed funds rate by an expected .75 percent.  As we explained in previous posts about Fed rate hikes, this is not a direct increase to mortgage rates, but the Fed’s move does have an impact on the mortgage marketplace and the broader economy. The most recent rate hike brings…

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Renters to Owners Zoominar- Sept

Copy of Renter to owners seminar (Facebook Post) (2)

Back by popular demand! Register Here – Registration will end on 9/23/2022 12 noon. Come and join me virtually, where you will learn how to from a renter to a owner. I will also be giving you an insight to exclusive programs to make your offer shine! Who should attend? Anyone who… is tired of RENTING… has thought…

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Land & Construction Zoominar

LC Zoominar 2022- blog

ALOHA!  Our last “Zoominar” was a SUCESS! Thank you so much to all who have registered and attended! Up Next: ? Featuring our Land & Construction Zoominar on Friday Sept 09, 2022 @ 7pm (registration required) Attending will give you the “What you need to know” about: Land Loans Construction Loans Timeline Preparation BONUS: Closing…

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What is a Mortgage Rate Lock?

Mortgage-Rate-Lock-150x150

What is a Mortgage Rate Lock? A mortgage rate lock allows customers in need of mortgage financing to “lock” in their interest rate.  This is an important feature of mortgages because the markets that influence mortgage rates (Mortgage backed securities, or MBS) trade each day and in certain markets can be very volatile.  Rates can…

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RENTERS to OWNERS Zoominar

Copy of Renter to owners seminar (Facebook Post)

 Click picture to enlarge Look forward to upcoming Zoominars Come and join me virtually! 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 Are you an associate…

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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

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