Loan Officer Location
About Me
Loan Officer · NMLS 66260
Kathy has lived and worked in Hawaii since 1987. She has been helping clients achieve their financial goals by purchasing or refinancing the greatest investment in their life. She believes in open communication and establishes the right expectations with her clients, realtors, lenders, and closing agents during every step of the process.
This open-book method has allowed Kathy to receive referrals and great recommendations from her past clients. Kathy is currently the Regional VP of Lending with American Financial Network Inc, a direct lender and representing loan products specifically for Hawaii’s unique real estate market. These products include: conventional (Fannie Mae and Freddie Mac), government (VA, FHA, USDA), specialty loan products (Condo-tel, No Tax Returns, Asset Qualification, Investment Qualification, Long Term Land Loans, Commercial and Residential Construction Loans) and the list continues to expand.
Call her at 808-250-7077 or email at KRosales@afncorp.com.
My Location
Maui-Kihei 1367 Kakae Place, Wailuku, HI 96793
Social Survey View
Kathren Rosales's
OVERALL RATING
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"Amazing service..."
Amazing service and communication in helping us get our first home. Everything worked out perfectly and Kathren went above and beyond to help us find a loan that would work with our circumstances.
Sheldon
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"Kathy was on top..."
Kathy was on top of things and kept us up to speed the entire way. We couldn’t have closed on our property without her. She is smart, fast, and pleasant.
Nicole
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"Kathy is always..."
Kathy is always reachable and able to guide me through with my home purchase journey and answered my questions with ease and helped facilitate this awesome outcome of me owning this new home in Kona. Thank you very much Kathy, Sincerely Juan M Ochoa
Juan
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Loan Program View
LOAN PROGRAMS
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Reverse MortgagesA reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. A Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don't make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.1 American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default. 1. https://www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/
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ConventionalIndustry standard loan programs with purchase and refinance options for most borrowers. These programs follow lending rules set by Fannie Mae and Freddie Mac and have the reputation for being the most affordable and quickest to close in the mortgage industry.
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FHAInsured by the Federal Housing Administration, these loans are a great option for homebuyers looking to put the minimum amount down as possible, homeowners looking for simple refinance options, and for borrowers with less than perfect credit.
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VAJust for veterans and surviving spouses! Finance up to 100% of your new home’s value with no money down, and no private mortgage insurance; or refinance your home quickly and easily with minimal paperwork.