Terms of use

Not a lender or mortgage broker

Jesus I. Ramos (R), Broker, Lic. RB-23953, and Jesus N. Ramos (RA), Lic. RS-75144, are real estate licensees with Team Ramos · RE/MAX Honolulu. In these disclosures, “we,” “us” and “our” mean them and Team Ramos · RE/MAX Honolulu.

In connection with this site and your home purchase, none of us acts as a mortgage lender, mortgage broker or mortgage loan originator. We do not make or fund loans, take or accept loan applications, or offer or negotiate loan rates or terms. Only a licensed lender or mortgage broker, through its licensed or registered mortgage loan originators, can do those things.

If you ask to be connected with one of our mortgage partners, we may share the information you submit with that partner. Any loan application is made directly with that lender or mortgage broker.

Estimates only, no offer or commitment

Every payment, cost, price, rate and other figure this site shows (an “estimate”) is a hypothetical illustration for general educational purposes, based only on the information you enter and the assumptions described below.

An estimate is not a loan offer, an application for credit, a Loan Estimate or Closing Disclosure under federal law, a commitment to lend, a rate lock, a pre-qualification or a pre-approval. It is not a determination that you are eligible for any loan, program or home. Using this site does not start a loan application, and we never check your credit.

Rates, assumptions and changes

Unless you enter a rate yourself, the interest rate in each estimate starts from Freddie Mac's weekly Primary Mortgage Market Survey average as of the date shown, plus our own estimated adjustments for loan type, credit range and property type. Those adjustments are our assumptions, not any lender's pricing.

The survey average changes weekly, and the estimate may not reflect the latest survey. Neither the average nor the estimated rate is an annual percentage rate (APR), a rate any lender has offered you, or a rate available to every borrower.

Property tax, homeowners and flood insurance, mortgage insurance, maintenance fees, closing costs and other assumptions come from published sources, general guidance from lenders and our own estimates, as of the dates we last checked them. Some may be preliminary or not yet confirmed, and any may be out of date. Actual amounts vary by property, by lender and over time.

Estimates assume fee simple ownership: lease rent on leasehold homes is not included, and flood insurance is not included unless you add it.

Your actual rate, APR, loan amount, loan fees and eligibility are determined solely by your lender, based on the loan program, your credit, income, assets, debts and down payment, the property, an appraisal and underwriting. Your actual payment and cash to close also depend on your purchase contract, property taxes, insurance premiums, association fees, and escrow and title charges, and are disclosed in your lender's Loan Estimate and Closing Disclosure.

All figures are subject to change without notice based on your lender's terms, pricing and underwriting decisions and these other factors, and may differ materially from any estimate.

Mortgage partners

Any lender or mortgage broker we introduce, including the mortgage partners named on this site, is an independent company, not affiliated with RE/MAX Honolulu. We do not control any lender's or mortgage broker's rates, terms, fees, credit decisions or timing.

You are free to use any lender or mortgage broker you choose, and you never have to use one we introduce in order to work with us. We do not pay or receive any fee, compensation or other thing of value for referring you to any lender or mortgage broker, or for any of them referring anyone to us.

If you apply for a loan, the lender's own disclosures, Loan Estimate and loan documents govern your loan, not these estimates.

No reliance; consult professionals

Do not rely on an estimate to decide whether to buy a home, make an offer, apply for or choose a loan, or lock a rate. Before you act, get a Loan Estimate and personal guidance from a licensed or registered mortgage loan originator, and consult your own tax, legal and insurance professionals. Nothing on this site is legal, tax, investment or lending advice.

No warranty

This calculator and every estimate, assumption and other information on this site are provided “as is” and “as available.” To the fullest extent permitted by law, we and RE/MAX Honolulu disclaim all warranties, express or implied, including any warranty of accuracy, completeness, timeliness, merchantability or fitness for a particular purpose.

Limitation of liability

To the fullest extent permitted by law, neither we nor RE/MAX Honolulu shall be liable for any loss, cost or damage, whether direct, indirect, incidental, special or consequential, arising out of or related to your use of, or reliance on, this site or any estimate, including any decision to buy a home, make an offer, apply for or choose a loan, or lock a rate. Where the law does not allow a limit, that limit does not apply to you.

Nothing in these disclosures limits any duty owed to you under a written agreement with us or under Hawaiʻi real estate law.

Third-party information

Market rate data comes from Freddie Mac's Primary Mortgage Market Survey, and credit-range adjustments are based on Fannie Mae's published loan-level price adjustments. Other assumptions come from government agencies and other public sources, general industry guidance, and our own estimates. Freddie Mac, Fannie Mae and those agencies have not reviewed, approved or endorsed this site or its estimates, and we are not responsible for the accuracy, completeness or availability of third-party information.