Financing options built around real scenarios
Every borrower’s situation is different. As an independent mortgage broker, Holland Home Loans works with a wide range of lenders to match the right loan structure to each purchase or refinance. The focus is on clarity, reliability, and a smooth process from start to finish.
Conventional Loans
Well-suited for primary residences and second homes for borrowers with stable income and solid credit. These loans offer competitive pricing and flexible terms when guidelines are met.
Bank Statement Loans
Built for self-employed borrowers whose tax returns do not reflect true cash flow. Qualification is based on bank deposit history rather than traditional income documentation.
Jumbo Loans
Designed for higher-value properties that exceed standard loan limits. Careful structuring helps balance pricing, reserves, and property-specific requirements common in Hawaiʻi.
DSCR Investor Loans
Investment property financing based on rental income rather than personal income. Qualification focuses primarily on the property’s cash flow, rather than personal income with employment not generally required. Commonly used for short- and long-term rentals and portfolio expansion..
Portfolio/Specialty Loans
Lender-held financing for unique properties, construction projects, and scenarios that fall outside standard guidelines. Commonly used for new construction, major renovations, land, specialty condos, or borrowers requiring a more flexible approach.
FHA and VA
Programs that may offer more flexible qualification guidelines and lower upfront cash requirements when the purchase price falls within program loan limits. Often used by first-time buyers and eligible veterans purchasing a primary residence.
Asset Depletion
Use eligible liquid assets to calculate qualifying income. Often a fit for retirees or high-net-worth borrowers with substantial reserves.