About Justin Enos
Aloha! I'm your go-to mortgage lending buddy with a decade-long track record of helping families make their homeownership dreams a reality. As someone who was born and raised in Hawaii, I have a deep connection to the islands and am enthusiastic about showing my fellow islanders that owning a home in paradise is not only possible, but also a delightful experience.
Everyone's journey is unique, and I genuinely enjoy guiding families through customized solutions that fit their needs. There's nothing quite like the feeling of accomplishment and relief as they check off this major life milestone. Our team's dedication to speed and efficiency means you'll benefit from same-day preapprovals as well as same-day, fully underwritten approvals once in escrow, making the entire process a breeze.
But our partnership goes beyond just sealing the deal. I'll be your long-term mortgage companion, keeping an eye on your investment and looking for ways to minimize your payments and tap into your home equity to achieve other goals, like home renovations or debt reduction.
With me on your team, you'll feel like you have a friend in the business, guiding you through options and helping you make informed decisions every step of the way. When I'm not working my mortgage magic, you can find me spending quality time with my family, leveling up in video games with my better half, or indulging in a scrumptious bowl of curry.
So let's tackle this exciting journey together – with a mix of confidence, swiftness, and simplification, we'll make your dream of island homeownership come true!
The right advice could help you find the right mortgage for you. Let's work together.
Get approved in one day
The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.625% | 6.904% | 0.759 ($2656.50) | $2241.09 |
| 15-year fixed | 5.750% | 6.161% | 0.663 ($2320.50) | $2906.44 |
| FHA loan | 6.124% | 7.148% | 0.893 ($2725.89) | $1991.28 |
| VA loans | 6.050% | 6.613% | 0.999 ($4081.92) | $2462.91 |
* Rates current as of 3/31/2025 09:28 am, provided by Justin Enos, for Honolulu County, HI, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
We're in your pocket
We're committed to you as a whole person, from financial to physical and emotional wellness. Get the Rate experience in a convenient app to fit your lifestyle on-the-go.
The Rate App allows you to:
- Monitor your loan status
- Connect with your loan team
- Calculators, tools, guides, and advice
- Track your home value
- Wellness tips to help you grow holistically
Download our app
Now available on
Located at 820 W. Hind Dr., Ste. 1293 Honolulu HI, 96821