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Spectrum Mortgage


A Mortgage is a document that contains the details of an agreement between two parties. One of which is a borrower and the other party is a lender. The Agreement will include information like, Loan amount, Time period of the loan, Interest and the collateral on the loan which is normally the property being bought. A mortgage broker is generally a person or company whose expertise lies in the field of mortgage laws, properties available for sale, and loan procedures. They provide these services to clients for a fee which is usually a percentage of the loan or property amount.
 
Spectrum Mortgage is a licensed mortgage broker in the State of Hawaii specializing in Hard Money Loans and Non Recourse Fixed Rate Commercial Loans.
 
They also offer a full range of other residential and commercial loan programs such as Fixed Rate LoansA mortgage loan of 30 or 15 years duration in which the rate of interest remains unchanged throughout the term of the loan, the often preferred method of financing by homeowners because of the certainty of the monthly principal and interest payments.
 
Adjustable Rate Mortgage Adjustments can vary, but the mostly widely used adjustable have fixed periods of 1, 3 or 5 years. This type of financing can be confusing and borrowers should be sure they thoroughly understand their program before committing to an adjustable. This are some loan programs held carried by Spectrum Mortgage.
 
A Spectrum Mortgage Broker provides the very valuable benefit of flexibility in general, it shouldn't cost any more to work through a Broker than it would to go to the lender you. Spectrum Mortgage has experienced loan officers to originate residential and commercial loans in the State of Hawaii. 

 These recommendations are not the same for everyone, but at Spectrum Mortgage want to make sure you are aware of your alternatives, so you can make a good decision, and plan properly for your future.

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