Hawaii VA Loans

When I first spoke with Kelly over the phone back in April, you could just tell that she was very excited about being a first-time homebuyer, yet at the same time a little intimidated by the monumental task of buying a home, qualifying for a mortgage and getting approved even before she even reached the islands.

Well, roughly 3 months later, Kelly is now an official homeowner in a beautiful oceanfront condo, thanks in part to utilizing her VA loan benefits.  It was a sincere pleasure working with Kelly and her agent, Pat Reilly of East Oahu Realty on her purchase transaction.  I do look forward to finally meeting her in person, and we wish her the all the best as she pursues her law degree while living in paradise!

“I am a first time home buyer and just recently moved into my first home that is a dream come true!  While I knew I wanted to purchase a home prior to my move to Hawaii I was unable to leave the mainland during the process.  I was nervous and not exactly sure how it would all work.  I looked into several banks and loan companies until I found Gabe Amey.  As soon as I spoke with him on the phone, I knew that he was the person I wanted to work with.

At first Gabe gathered all of my information and led me in the right direction.  He explained all of my options and what I could expect to happen.  When I finally found my dream home, it was Gabe that provided a pre-approval letter and convinced the sellers that I was financially sound to purchase the home.  During the next 2 months Gabe was at my disposal 24 hours a day (except of course the 6 hours he took off to get married).

Not only was Gabe incredibly professional and competent but he was a true delight to work with and learn from.  I am now in my dream house on the ocean in Hawaii and it is all thanks to Gabe and my wonderful realtors.  For anyone looking to purchase a home in Hawaii I cannot say enough wonderful things about Gabe.”   Thank you again!! ~Kelly

I had the pleasure of meeting Tyler Mata and his dad Robert at one of our VA Loan Seminars last fall.  What struck me about Tyler was that he was relatively young (early 20’s) and he was already ahead of the game in terms of his finances.  Good job, great credit, little debt and proactive with saving his money.  It’s very refreshing when I get the opportunity to work with young home buyers who have put themselves in a great position to qualify for a mortgage by being disciplined with their money.  After meeting his parents, Valerie & Robert, it was clear to see that he received the proper guidance and support from his family that enabled him to get where his is at today.  I wish all the best for Tyler and his girlfriend, Kristen as they are proud new homeowners thanks to the VA Loan program.

Tyler completed his 3 year service in 2003 and returned home in hopes to start a new life and a dream of one day becoming a homeowner. He worked hard and saved money, but the price of houses just made his dream seem so out of reach. In November of 2008, he decided to see what the VA could offer him by signing up for a VA Loan seminar. This is where he met Gabe Amey (Branch Manager of Hawaii VA Loans.) This was the beginning of his realization that his dream of owning a home was actually reachable.

In December, Tyler began his house hunting and found a house in Mililani on the internet. Being that Gabe had already pre-qualified him, he knew his limitations and had numbers that he could work with when he met with his realtor. He made an appointment to see the house the next day and although the house needed a lot of work, he saw a house with a garage that was one of his personal requirements because he works with cars. He also looked beyond all the work that needed to be done and saw the potential of turning the house into his “home”. He put an offer on the house and then after waiting on pins and needles, he got the good news that his offer was accepted.

Tyler immediately called Gabe and he and his realtor worked together to make the transaction go through as smooth as possible. Needless to say, there were lots of paper work, but Gabe was there every step of the way. There were times when I needed to get answers from him immediately, and he was always reachable. Gabe always made us feel comfortable and no question was too unimportant to ask. With Gabe’s expertise and guidance Tyler signed papers on January 29, and on February 6, 2009, Tyler was given the keys to his new house. Tyler immediately put his valuable skills to work and with the help of family and friends, transformed his house to a “home”.

I finally got the opportunity to meet Gabe at Tyler’s house-warming party this past Saturday and to personally thank him for all his work and support. We are so very proud of our son and it is a wonderful thing to see his dream come true. We have always told him not to give up on his dreams and this proves that dreams DO come true. Thank you so much Gabe, for making this possible. We appreciate all you have done for us. We encourage veterans to take that step and seek the help that is out there and get the ball rolling so that you, too, can become a very proud home owner.

Thank you

Tyler’s mom & dad
Robert & Valerie Mata

I had the pleasure of working with the Quong family on two different occasion to help them with their VA financing.  Both Terence and Melissa were a joy to work with and I’m glad they are doing well in Oklahoma City.  Below is a wedding day picture of the Quong Family right before Melissa got PCS’d to Oklahoma.

As with anyone who has a VA loan, we received countless offers from local companies soliciting refinancing.  However, my husband and I only became interested in researching our options after receiving a letter from Gabe Amey at Hawaii VA Loans.  We did our research and found Gabe to be knowledgeable, patient, professional, and honest; and far more willing than any other to answer all our questions.  He and his outstanding staff provided all the guidance needed to help us make an informed decision.  We were able to easily and quickly accomplish our refinancing goal with their expert help.  We were so pleased with their service that we worked with Hawaii VA Loans for our new home loan when we PCS’d to Oklahoma mid-summer ‘08.  Again, we were able to secure a new loan with a great rate and feel very comfortable doing so, even for an out-of-state home.

Melissa & Terence Quong

Hello Gabe,
It’s been two months since you helped us obtain a new VA home loan that enabled us to save money with a reduced interest percentage rate from 6.25 to 5.75! In the two months we have saved hundreds of dollars giving us a peace of mind, knowing that we truly did the right thing by refinancing our original VA home loan. You especially helped during the transition by answering the many questions that we had and doing additional work in order to make the transaction happen and we greatly appreciate all the work you did! We will be recommending you to others that we know who can benefit from your great professionalism, expert knowledge, and helpful attitude.Much mahalo for all you do!
Captain Matthew and Kristy Curtin

Delicia & Kevin White

My husband and I recently located from Hawaii to Georgia but were unable to sell our property because we owed more than what the home was now worth. Kevin and I decided to rent the property, but unfortunately we could not find a renter that could cover our entire mortgage. We contacted Hawaii VA Loans to see what we could do to lower the monthly payments & Gabe Amey, the Branch Manager & VA Loan Specialist advised us that we could participate in a VA Streamline Refinance to lower our interest rates. Gabe explained that since a streamline refinance does not require an appraisal, our home value was not an issue.

During the refinance, Gabe notified us that my credit report showed a recent car repossession that could prevent us from getting our loan approved. The car loan was from a previous marriage . I had co-signed on a car for my ex-husband roughly 10 years ago. Gabe was extremely helpful in this matter, he contacted the creditor, requested an updated balance statement from them and then helped us write a letter of explanation to the underwriter explaining the circumstances.

Through out this process Gabe succeeded in getting our loan approved and helped us lower interest rate and mortgage payment. We are now now saving $167 per month on our mortgage payment which gives us an additional $2,000 a year in savings. We are grateful for the help of Gabe Amey and the Hawaii VA Loans team. Not only did they help us lower our mortgage, the entire staff was friendly and professional and we would highly recommend them to anyone looking to get VA Financing!

Sincerely,
Delicia & Kevin White

It’s always rewarding to hear kind words from past borrowers we’ve helped at Hawaii VA Loans. Here are a few testimonials from some of our happy customers that we’ve helped get VA loan to purchase a property or refinance their current VA loan to a lower interest rate:

We had moved back to Hawaii in 2004 from Ohio and we decided to rent until we got settled in. When we finally felt comfortable enough to buy, we were referred to Gabe Amey at Hawaii VA Loans to help us qualify for a VA mortgage. I have to admit, he made the entire mortgage process easier than we had anticipated. He thoroughly answered all of our questions, made us very comfortable with the home buying process and qualified us for a VA mortgage that fit our exact budget. We would definitely recommend using Gabe and the Hawaii VA Loans team to anyone interested in getting a VA mortgage!

Sincerely,
Lorraine & Brock McNeal
Ewa Beach, Hawaii

The team at HawaiiVALoans.com were great to work with and very professional. They truly were experts and put me at ease during the entire process. I recommended HawaiiVALoans.com to all my associates and I know they will treat them right.

Mahalos,

Gabriel Rubio
Mililani, Hawaii

When I was looking around to refinance my VA loan I did a lot of checking around. Out of the five companies I contacted, Gabe Amey at HomeLoan Financial (HawaiiVALoans.com) was the only one that truly came across as honest and knowledgeable. He took the time to fully explain the process and were true professionals. I ended up taking a full percentage point off my VA loan and I’m now saving hundreds of dollars on my monthly mortgage payment.

Thanks Again!

Edwin Robles
Aiea, Hawaii