WELCOME BACK TO "LIVING
808."
IF YOU'RE LOOKING TO BUY A HOME
AND NEED A LITTLE MORE INFO ON
MORTGAGES AND THE BENEFITS OF
GOING THROUGH A MORTGAGE BROKER
AS OPPOSED TO A BANK, YOU'RE IN
LUCK, JEFF IS HERE FROM PARADISE
HOME MORTGAGE.
THANK YOU FOR BEING HERE.
APPRECIATE IT.
CONGRATULATIONS TOO BECAUSE I
HEAR YOU WON AN AWARD RECENTLY.
THANK YOU, THANK YOU.
TELL US ABOUT THE AWARD.
IT WAS NUMBER ONE IN THE
STATE OF HAWAI'I FOR V.A.
REFINANCES AND I GOT THE AWARD
LAST YEAR FOR 2016 FUNDINGS.
THAT IS AWESOME.
CONGRATULATIONS.
THANK YOU FOR BEING HERE
BECAUSE YOU'RE GOING TO LET
EVERYBODY KNOW NOW SOME
INFORMATION AND THEY ARE
LEARNING IT FROM AN AWARD
WINNER.
APPRECIATE IT.
THANKS FOR HAVING ME.
LET'S GO AHEAD AND GET RIGHT
INTO IT.
WHAT ARE THE BENEFITS OF GOING
THROUGH A MORTGAGE BROKER AS
OPPOSED TO SAY A BANK.
THE NUMBER ONE BENEFIT WOULD
DEFINITELY BE PRICING.
CUSTOMERS ULTIMATELY LOOKING FOR
THE LOWEST RATE WITH THE LOWEST
MONTHLY PAYMENT AND THAT'S WHAT
WHOLE SALE BROKERS OFFER.
I'VE BEEN DOING THIS FOR ABOUT
15 YEARS NOW AND STARTED OUT AS
A BANKER AND THE FIRST THREE
HOMES THAT I BOUGHT, I ACTUALLY
WENT THROUGH A WHOLE SALE BROKER
TO GET MY MORTGAGE BECAUSE IT
WAS BETTER RATES AND PRICING
THAN I COULD GET WITH THE
EMPLOYEE PRICING AT THE BANK.
YOU'RE DEFINITELY GOING TO GET A
BETTER DEAL BUT ALSO WE'VE GOT
MORE LENIENT GUIDELINES.
WE'VE GOT PROGRAMS WITH AS LOW
AS A 500 CREDIT SCORE.
WE HAVE SOME PROGRAMS THAT DON'T
EVEN REQUIRE AN APPRAISAL.
KIND OF THE BEST OF BOTH WORLDS,
BEST PRICING AND LESS PAPERWORK.
SO EVERYBODY WANTS TO KNOW
THEN HOW DOES PARADISE HOME
MORTGAGE SAVE ME MONEY?
HOW CAN YOU SAVE US MONEY ON OUR
HOME LOAN?
GREAT QUESTION.
KIND OF LIKE WHEN YOU'RE
SHOPPING, IF YOU'RE BOOKING A
FLIGHT TO GO TO VEGAS, YOU
PROBABLY DON'T CALL EVERY HOTEL
ON THE STRIP LOOKING FOR THE
BEST VALUE FOR A HOTEL.
IT WOULD TAKE YOU ALL DAY.
WHEN YOU GO TO SHOP FOR A
MORTGAGE, UNFORTUNATELY
CONSUMERS DON'T HAVE ACCESS TO A
SEARCH ENGINE WHERE THEY CAN RUN
A SEARCH LIKE THAT UNLESS THEY
CALL WHOLE SALE MORTGAGE BROKER.
WITHIN JUST A COUPLE MINUTES WE
CAN ENTER THE PARAMETERS IN, RUN
A SEARCH AND LET YOU KNOW WHICH
LENDERS HAVE THE BEST PRICING.
THE QUESTION I GET A LOT OF
TIMES IS JEFF, WHY WOULDN'T I
JUST GO THROUGH ON HANDICAP
THOSE LENDERS MYSELF, CAN I GET
A BETTER DEAL THAN GOING THROUGH
YOU?
AND THE ANSWER IS NO BECAUSE
WE'RE OFFERING WHOLE SALE
INTEREST RATES AND WHOLE SALE
CLOSING COSTS WHICH IS GOING TO
BE BETTER PRICING THAN IF YOU
CALL THE SAME LENDERS DIRECTLY.
HOW MUCH MONEY CAN WE
ACTUALLY SAVE?
WE'VE SEEN OVER A FULL POINT
ON THE INTEREST RATE AND ABOUT
FOUR POINTS ON THE CLOSING COST.
SO THE NATIONAL AVERAGE IS ABOUT
$SO,000 BUT THAT'S ON A MEDIAN
PRICED HOME IN THE U.S.
OUT HERE THE HOME VALUES ARE
OBVIOUSLY TWO TO THREE TIMES
HIGHER SO YOU COULD BE LOOKING
AT SAVING 20 TO $30,000 FOR THE
BEST INTEREST RATES THAT ARE OUT
THERE RIGHT NOW.
WOW, THAT IS PRETTY AMAZING.
TELL ME MORE ABOUT PARADISE HOME
MORTGAGE AND HOW YOU CAN HAVE
SPECIAL RELATIONSHIPS WITH YOUR
CUSTOMERS.
WE TREAT ALL OF OUR CUSTOMERS
LIKE THEY ARE FRIENDS AND FAMILY
MEMBERS.
WE HAVE A RULE OF THUMB, DON'T
OFFER ANYTHING TO A CLIENT THAT
YOU WOULDN'T OFFER TO YOUR
GRANDMOTHER OR YOUR AUNT.
I LIKE THAT.
WE CAN COME TO YOUR HOME A
LOT OF TIMES IF YOU'RE HERE IN
OAHU.
YOU CAN COME TO US BUT MOST
TRANSACTIONSS ARE DONE RIGHT
OVER THE PHONE.
AFTER WE HAD THAT INITIAL PHONE
CALL, A LOT OF CLIENTS THESE
DAYS LIKE TO COMMUNICATE VIA
TEXT MESSAGE.
YOU CAN GO TO OUR WEBSITE AND
APPLY BUT NINE TIMES OUT OF TEN,
PEOPLE CALL US TO DO THE
TRANSACTION RIGHT OVER THE PHONE
SIMPLY FOR CONVENIENCE.
IF SOMEONE OUT THERE WANTS TO
KNOW MORE, WANTS TO GET IN TOUCH
WITH YOU, WHERE CAN THEY FIND
YOU?
THE NUMBER ONE THING TO DO,
YOU KNOW, DON'T GO LOOKING FOR A
BUNCH OF DOCUMENTS.
THE ONLY THING YOU NEED IS
PROBABLY IN YOUR POCKET.
JUST PICK UP YOUR PHONE, GIVE US
A CALL AND WE'LL TAKE IT FROM
THERE.
YOU CAN ALSO GO TO OUR WEBSITE,
PARADISEHOMEMORTGAGE.COM.
WE HAVE INSTRUNGS L E-VIDEOS ON
OUR SITE.
YOU CAN FILL OUT OUR FULL
APPLICATION ON-LINE IF YOU LIKE
TO DO IT THAT WAY.
WE LIKE TO HAVE MULTIPLE OPTIONS
FOR OUR CLIENTS, WHATEVER WORKS
BEST FOR THEM.
PARADISE HOME MORTGAGE,
TRYING TO HELP YOU SAVE SOME
MONEY, GET INTO THE RIGHT