Oahu Mortgage Broker
TERMS & CONDITIONS
Fast Approvals
Personalized Service
Trusted Local Expert
APPLY ONLINE
Terms And Conditions
If you close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance — we’ll send you a $1,000 check. Here are the conditions you must meet to ensure you’re getting a true apples-to-apples comparison, and everyone is playing on the same honest, transparent playing field:
1. Quote: Provide us an official, detailed, written competitor’s quote. Quote detail must show: lender’s name, date of the quote, loan type, term, purchase price/property value, loan amount, interest rate, monthly mortgage insurance amount (if applicable), exact amounts for all lender fees, discount points, lender credits/rebates, and exact amounts for all third-party charges for appraisal, credit report, and title company fees. You must provide us with the quote the day they give it to you, and then obtain a written quote from us on that same day, and allow us to go over the quotes with you on the phone. Interest rate change every day, sometimes multiple times a day when the market is volatile. That is why you can’t compare a quote you got today from one lender to the quote you got on a different day from another lender. Pricing changes can be very substantial from day to day, making a quote today appear to be much better or worse than a quote from a previous day. ALWAYS compare quotes on the exact same day, or you won’t get a true and fair apples-to-apples comparison.
2. Rate Lock: Inform us you’re going with the other lender and lock your rate the same day you get the written quotes from both Loan Factory and your chosen lender. Within 48 hours (two business days) of locking your rate, you must email us a complete (all pages), unaltered copy of your official locked rate LE (loan estimate) provided by that lender. The locked LE must match the fees sheet or preliminary loan estimate you provided us with. It must state the lender’s name, date, the interest rate, APR, the loan type, term, exact amount of any mortgage insurance, the lock length, and any applicable points/cost or rebate/credit for the chosen interest rate.
3. Closing: Within 48 (two business days) hours of closing your loan, provide us your complete (all pages), unaltered final, signed CD (closing disclosure) and the “NOTE” from your closing documents. Closing documents must exactly match the original written quote AND locked loan estimate they provided you, and that you gave to us. This will confirm they actually delivered exactly what they quoted, and it indeed was a lower combination of interest rate, fees, and monthly mortgage insurance (if applicable).
4. Superior Pricing and Claiming Your $1,000: If we are able to provide you with a better price after you lock with a competitor, and before the day you close with them, and you choose not to accept/proceed with our superior pricing, you will not be eligible for the $1,000 best price guarantee. If we are unable to provide you with a better price before you close with a competitor; and the original detailed quote, your official locked loan estimate, and your final, signed closing disclosure and note all match, showing the exact same combination of interest rate, fees, and monthly mortgage insurance on each; and you’ve met the above terms and requirements, we’ll send you a check for $1,000 within 30 days.
There are a lot of smoke and mirrors tactics employed by lenders who cannot deliver you the best price (combination of rate and fees). We treat every single client with absolute honesty and transparency. By independently shopping the nation’s premier lenders, using our volume discounts as a broker, and making less on each loan; Loan Factory delivers tremendous savings to our clients. It’s mortgage lending done right!
Restrictions
$1,000 best price guarantee not offered on all loan types and is limited to fixed-rate Conventional Conforming loans (No Jumbo loans and No High Balance Loans), FHA, and VA loans. Exclude offers from the builder’s preferred lender. Guarantee is only offered on identical matching loan types and products offered by Loan Factory on loan amounts of $200,000 or higher. You will not be entitled to the $1,000 we guarantee if you choose to decline a superior price from Loan Factory that is made to you anytime after you lock with a competitor and before you close/sign final documents with that competitor.
Get the lowest mortgage rate guaranteed!
If you find a lender offering a better combination of interest rate, fees, and mortgage insurance, we’ll match it or send you $1,000!
- Step 1: Provide us with a Loan Estimate so that we can compare
- Step 2: If we are unable to offer a better deal, you will proceed to lock rate and share the locked LE (on the same date) for us to try and beat.
- Step 3: If we are still unable to beat the offer, you proceed to close with the competitor. After closing, please show us the Final Closing Disclosure and Loan Factory will pay you $1,000.
Loan Factory confidently offers our $1,000 Best Price & Fees Guarantee. We’ve thoroughly checked our competitors and know we have the best deal. With our top-notch mortgage platform, we search through our best lenders to find you the cheapest rates and fees. Plus, we simply earn less on each loan. We might not make as much on each deal, but we make up for it by doing lots of loans. Our special low-cost way of doing business sets us apart from other lenders. That’s why we have such low rates, and why we’re happy to offer our $1,000 Best Price Guarantee. Other banks, credit unions, and mortgage companies won’t promise the Best Price Guarantee because they know they don’t have them.
Offer expires June 30, 2025
Start Your Homeownership Journey Today!
Contact Oahu Mortgage Broker today to learn more about our conventional loan options and find the right mortgage solution for your needs. Let us help you secure the perfect loan to buy your dream home in Hawaii!
YEARS OF EXPERIENCE
SATISFIED CLIENTS
FUNDED IN HAWAII
Our Reviews
Frequently Asked Questions
What does Oahu Mortgage Broker do?
Oahu Mortgage Broker helps homebuyers and homeowners across Hawaii secure the best mortgage rates by offering a variety of loan options, including Conventional Loans, VA Loans, USDA Loans, FHA Loans, and Jumbo Loans. We provide personalized service to ensure a smooth and hassle-free home financing experience.
What types of home loans do you offer?
We offer a full range of mortgage products, including:
How do I get started with my mortgage application?
Getting started is easy! Contact us for a free consultation, request a personalized quote, or begin your application through our seamless online process. We’ll guide you every step of the way.
Do you offer mortgage services for all Hawaiian Islands?
Yes! We proudly serve all islands of Hawaii, including Oahu, Maui, Kauai, and the Big Island, offering expert mortgage solutions tailored to each client’s needs.
What are the benefits of working with Oahu Mortgage Broker?
- Competitive mortgage rates
- No upfront costs
- A variety of loan options
- Personalized service from start to finish
- A fast and efficient online application process
Can I refinance my existing mortgage with Oahu Mortgage Broker?
Absolutely! We help homeowners refinance to secure lower rates, reduce monthly payments, or access home equity. Contact us to explore your refinancing options.
How long does the mortgage process take?
Timelines can vary, but with our efficient online process, many loans close within 30 days. We work diligently to ensure a quick and smooth process for all our clients.
Contact OAHU Mortgage Broker Today!
Ready to secure the best mortgage rates in Hawaii? Whether you're buying your first home, refinancing, or exploring your loan options, Oahu Mortgage Broker is here to help every step of the way.
1003 Bishop Street Pauahi Tower
Suite 2700
Honolulu, HI 96813
1003 Bishop Street Pauahi Tower Suite 2700 Honolulu, HI 96813
Call: (808) 517-6416
Fax: (808) 670-3523
Email Us Today
RESOURCES
Copyright © 2025 Oahu Mortgage Broker All Rights Reserved