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The Element Mortgage Blog

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Clarifying some of the myths about credit scores

American consumers still have a lot of misconceptions about how the home loan process works. This has become a big barrier for potential home owners. A recent Fannie Mae study revealed that most believe it is more difficult to qualify for a home loan than it actually...

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The VA Loan program funded its 24 millionth loan in 2019

This year is the 75th anniversary of the GI Bill signing, marking the beginning of the VA Loan Program. In 1944, President Franklin D. Roosevelt opened the door to millions of military members to a chance at home ownership. Since its inception, the VA Loan Program has...

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Dispelling misconceptions about down payments for a mortgage

A new report is shedding some light on the fact that home buyers still aren’t quite aware of what the down payment requirements are for home loans. Fannie Mae recently released a study that highlighted various misconceptions consumers have about the home loan process....

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5 little-known things about VA Loans in Hawaii

VA Loans are a powerful tool for Hawaii Veterans because they are backed by the U.S. Department of Veterans and they extend lenient qualifying requirements. Some of those benefits include 100 percent financing* and no mortgage insurance requirement. These are some of...

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Refinances are on the rise

The real estate market is currently experiencing an uptick in the number of refinances taking place. According to the Mortgage Bankers Association, more borrowers with home loans are refinancing. The Mortgage Bankers Association reports that the Refinance Index jumped...

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Millennials putting home ownership before marriage

There was once a time when it was thought that millennials would be one of the more hesitant generations to enter home ownership. Well, based on a recent Harris Poll, millennials are actually prioritizing home ownership over marriage. The study surveyed over 2,000...

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Kailua Beach named the best beach in the U.S.

Kailua Beach Park is located on the east shoreline of Oahu and those who have been there know the waters are as blue as can be and the sand is soft and powdery. These are just two of many reasons why this beautiful location has been named the Best Beach in America....

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