Find Out How Much Home You Can Afford!
Know exactly what you can afford before you start searching for a home.
Buying a home in Hawaii or Nevada doesn’t have to be a stressful process. Whether you’re a first-time homebuyer or an experienced homeowner, Melinda Casem, named Mortgage Broker of the Year and one of the Top 100 Women in Business, is dedicated to making your mortgage journey smooth and easy. Her team of expert mortgage lenders in Honolulu HI, Las Vegas NV, Maui HI, and Reno NV is here to assist you every step of the way, starting with a quick pre-qualification letter.
Melinda offers a variety of personalized loan options tailored to your needs, including FHA loans Hawaii, VA loans Nevada, jumbo loans Hawaii and conventional loans Nevada. Whether you’re looking for luxury loans, creative loans or financing for high rise condos, Melinda has the right solution for you. She also specializes in non-warrantable loans, investment loans and loans for self-employed individuals.
Planning to refinance? Explore competitive refinance rates Hawaii, refinance rates Nevada or consider a refinance with cash out Hawaii option. Melinda helps with down payment assistance, first-time buyer loans and even offers solutions for those with bad credit or no income.
Let Melinda guide you through securing the best loans, whether you’re dealing with divorce, inheritance or moving to Las Vegas or Hawaii. She’s also passionate about helping first responders, doctors and nurses with specialized loan programs.
✅ Complete Pre-Qualification – Fill out a simple request form to get started.
✅ Review Loan Options – Receive personalized mortgage offers.
✅ Compare Rates & Terms – Evaluate different loan choices.
✅ Choose the Best Offer – Pick the option that fits your needs.
✅ Finalize the Application – Complete the application to secure your loan.
To get approved for a mortgage in Honolulu HI, Las Vegas NV, Maui HI or Reno NV, lenders usually follow a 43/49 debt-to-income rule. This means your monthly mortgage payment shouldn’t exceed 43% of your gross income and all debts combined must stay below 49.99%. Some FHA loans in Hawaii and VA loans in Nevada may allow higher ratios. Whether you’re comparing Hawaii mortgage rates, Nevada mortgage rates or exploring refinance with cash out Hawaii, use a mortgage calculator and connect with a trusted mortgage lender near me Nevada or broker near me Hawaii.