Aloha and Thank You to all military member's who bravely and, proudly, defend our country. My name is
Dave White. I have spent the last 10 years of my life providing veteran's, active service member's, and
their familes with reliable information pertaining to process of obtaining a VA Home Loan. A VA Home Loan
in Hawaii is very easy to obtain as long as one understands the process. A VA Home Loan in Hawaii is also
an excellent way to build future wealth and security for military families. Many service member's do not
realize the importance of obtaining a VA Home Loan in Hawaii and what it will provide for them in the
future. Unfortunately the information I know is not taught in any Military briefing. One would have to
ask themselves if the course of their financial freedom would have been changed had they been
introduced to the VA Home Loan in Hawaii.
The average service member, while stationed in Hawaii, will throw away between $60,000 to $90,000 on
base housing or rent. Had they obtained a Hawaii VA Loan they would have been on their way to building
wealth and equity, assuming they are going to hold onto the property and rent it out.
Folks I can't stress enough that now is the time to exercise those eligibility's and obtain a VA Home Loan
in Hawaii. Please feel free to contact me at (808) 382-7444 with any questions. Thank You and I look
forward to now being of service to you.
look up in the sky its a bird, its a plane its, its the VA Loan Hero! Aloha Military members. I would first like
to Sincerely Thank You for your service to our Country. As my way of saying Thank You, I have taken
it upon myself to learn as much as humainly possible about the VA Loan in Hawaii.
For some reason the VA Loan in Hawaii goes largely overlooked. In you are in need of information about
the VA Loan In Hawaii please feel free to contact me with any questions you may have.
Once again Thank You for your service.
Dave White
Va Loan Hero (808) 382-7444
If you are looking for rock solid information about your Hawaii VA Loan , you have found the best.
Dave White has specialized in Military Home Loans for the last decade. He is fast becoming known as
The VA Loan Hero. His knowledge on the subject is exceptional, and his service is second to none.
If you are thinking about a VA Loan in Hawaii, then by all means consult Dave.
When considering a VA Loan In Hawaii please know the mechanics of the VA Loan are different then
conventional lending. Firstly you will need to make sure your Certificate of eligibility is in tact. In the past
one would need to go to the VA and sit there for hours, in order to obtain the COE. Now Dave
can go directly on the VA Portal, and pull up your eligibility in minutes.
A Hawaii Va Loan will also allow for you to obtain 100% financing. With a Hawaii VA Loan there
will be no need for private mortgage insurance as the VA will guarantee the Lender that they will
insure 25% of the Hawaii VA Loan. This is very attractive to Lenders.
The Hawaii Va Loan will also allow the seller to legally pay off 4% of your consumer debt. IF you have
a car loan with a $16,000 balance, and a $400 a month payment, The seller can pay that off in the
transaction.
There are other tricks to capitalize on as well with he Hawaii VA Loan. Please feel free
to contact Dave White at (808) 382-7444 anytime at all in order to qualify for your
VA Loan In Hawaii. Thank You and Dave looks forward to being of service.
Aloha and Thank you for stopping by. When getting a VA Loan In Hawaii there is nothing to fear other
then fear itself, and possibly coming across a bad Broker. When getting a VA Loan In Hawaii look
for the following in your Broker. If they don't have following tools at their access you should RUN!!!
In order to help you obtain your VA Loan In Hawaii, your Broker should have the following knowledge
and capability.
1. A VA Loan in Hawaii will require the service member to obtain a copy of their Certificate Of Eligibility.
This will require you Broker to have access to the VA Portal and can be pulled up for you in a matter of
minutes.
2. A good Broker who is helping you get your VA Loan In Hawaii will also know that the seller is
able to pay off a portion of your consumer debt
3. If you are planning on getting a VA Loan In Hawaii ask your Broker for the names and numbers
of some people that work directly at the VA in Loan guarantee. If they cant immediately produce
this information something is wrong.
4. There are certain costs associated with getting a VA Loan In Hawaii. These cost are called
non allow-ables and can be paid by anyone in the transaction but the veteran. These fees can range from
$1500- $2000 and consist of Underwriting, Processing, Doc Prep or Application. A good Broker helping
you with your VA Loan In Hawaii will know exactly what they are and how much they cost.
Folks a VA Loan In Hawaii is so very easy to obtain if you are working with a knowledgeable, experienced
and trustworthy Broker/Loan officer. Most people are concerned with nickles and dimes. I humbly
recommend questioning knowledge and experience because lack of either of those will end up costing you
thousands. Should you have any questions about you VA Loan In Hawaii please feel free to contact
Dave White The " VA Loan Hero" at (808) 382-7444 or touch base at valoanhero@gmail.com. Mahalo and
Aloha
There are certain steps one should take when getting a Hawaii VA Loan or a Hawaii VA mortgage.
The first would be to interview a experienced Hawaii VA Loan Officer or Hawaii VA Mortgage specialist.
Please be aware that the Hawaii VA Mortgage, is very easy to obtain, if your Broker or Loan Officer
knows exactlty what their doing. The following is a list of what to look for when trying to find an
experienced Hawaii VA Mortgage Broker in order to obtain your Hawaii VA Loan, ask the following
questions of your Hawaii VA Mortgage Broker.
1. What is the first step in qualification for my Hawaii VA Loan?
A. The first step to getting your Hawaii VA Loan,is to have your financial disposition reviewed and an
in person interview conducted. An EXPERIENCED Hawaii VA Mortgage Broker will ask
you to bring your LES so they can brake down the exact amounts of Base Income, BAH, COLA, and
BAS. Please note an experienced Hawaii VA Mortgage Broker will not referr to your LES as your
"PAY STUB" An experienced Hawaii VA Mortgage Broker will also be looking for any allotments
that are coming directly out of you LES.
2. At the initial interview the experienced Hawaii VA Mortgage Broker will obtain your CERTIFICATE OF
ELIGIBILITY. This can be accessed straight from the VA Portal. Ask them to produce you certificate
in front of you. If they can't do this something is very wrong.
3. Last an experienced Hawaii VA Mortgage Broker will run a VA analysis to determine what your
residual income needs to be in order to qualify for your Hawaii VA Loan. Simply ask what your residual
income needs to be. If they can not answer this simple question something is VERY wrong.
Folks I have dedicated the last 10 years of life learning as much as humanly possible about the
Hawaii VA Loan. By providing you with as much information as possible is my way of saying " Thank You"
for what you do for our country. Should you have any questions at all please feel free to contact
Dave White " VA Loan Hero" at (808) 382-7444. Thank You and I look forward to being of service.
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I can gratefully say nothing in my life has come easy. This taught me the importance of drive and determination. I bring that same effort to every transaction as well as 10 years lending experience
Thank You for Stopping by. In 1998 when I started In Military lending I took pride in being the only Loan officer that would make the 3 hr round trip to the VA in order to pick up my clients certificate of Eligibility. Much has changed since then except for my unsurpassed service, Dedication and commitment to the men and women that serve, or have served our country.
In my daily life I strive to be a little bit better then I was the day before. I take what I do very seriously and it shows in my consistency.
I poses a winners " can do" attitude and always look to the positive. At the same time I am very humble, focused and driven.
What I believe sets me apart from the rest is knowledge, Dedication, Work ethic, Drive and focus.
I specialize in VA Military Loans and consistently get closed what others start but can not finish.
I have worked with ranks from E-5 to Master Chiefs and I treat everyone with the same respect I would give to a family member.
My phone is always on and I would be very surprised if you tried to contact me and had to leave a message.
Hi Ron! Thanks for the information! I am having a mortgage transaction with David White from your company! (A buyer for one of my listing selected him.) If I must say so, he has gone above and beyond to make this mortg work. He discovered that the only way this buyer could get financing was via a VA mortg. Problem: this condominium had not been approved for VA financing! Yikes! So instead of saying sorry, I can't help you, David did all the intense paperwork and called me yesterday to share the good news that got the building qualified for VA financing. WOW! He spent all his time and energy on a very small condo in Kaneohe with a great big selling price of $284,000. I really appreciated all his effort for such a tiny sales, but he didn't let that get into the way of making it work. He is truly a rare mortg. broker. I am sure you would do the same, Ron! I am very impressed with him and your entire company. Please keep in touch! Mary Jane owner and Broker In charge Meleia Properties
Dave, Through the course of the transaction I became aware of many things. Firstly I now know that getting a cpr project approved by VA is not an easy process. You were outstanding in lieu of all the nay Sayers especially on the selling side. In addition the job of a Mortgage Broker is not one that i could do. You were OUTSTANDING in all areas. Thank you for putting up with all the obstacles and hurdles you overcame. We could not have done it without your expertise and guidance!!! Rob Roy Master Chief United States Navy
Dave,
We met in the parking lot of Malama Market place. You approached me To Thank me for my service. I had no idea I could refi from a conventional to a Va Loan. You even found out my house was worth much more then I thought. Your awesome.
LTC Steve Wren United States Army
David,
What can I say. I couldn't have done it without you. My family and I are so grateful mere words cant express. I highly recommend your service to both clients and Real Estate professionals. Thanks a Million!
Dave Gogue-Warrant Officer Coast Guard
David, I didn't think anyone would be able to pull this off but you did. Thank you Mark Cura Coast Guard
Dave,
With two missed payments I had been turned down by several institutions. At first they all promised the same thing only to let me down. You came through. Im sorry I was a skeptic, and I cant Thank you enough for saving me $495 a month through the VA streamline process.
Mr. Williams Retired Army
David,
I was told by my realtor to do conventional Lending and pull $50,000 from my home to put down on my new purchase. Through asking intelligent questions you found out my husband had the right to use 100% financing through a VA Loan. You are fantastic at what you do. Simply the best. Thank You
The Taylors
David,
I know your focus is primarily with service members. Although I have never served you served me with expertiese. I would venture to say i am probably 1 of only a few that has a 3.875% 30 year fixed Mortgage. Thanks for the great rate. How did you do it? Mahalo
Dr. kioni Dudley Friends Of Makakilo
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