Why Do People Get Denied for a Mortgage? (Hint: It’s Not Always the Credit Score)

Posts Tagged ‘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%…

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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 That outdated idea?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…

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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…

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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…

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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…

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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…

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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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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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