About Kinnie Lang
Kinnie Lang brings two decades of mortgage experience to Rate. She is dedicated to facilitating her clients in achieving their dreams of becoming homeowners. Her success in the mortgage business is her personal dedication to her clients and ensuring each loan is seen through to closing. In 2000, Kinnie began her mortgage career in San Diego, CA where she worked for various title/escrow companies and financial institutions and eventually began running her own mortgage loan processing company. In 2010, Kinnie’s husband received orders from the U.S. Navy to Hawaii. Thus, beginning her career in Hawaii at a bank. Most recently, she was Vice President and Executive Loan officer. As a top producer, she achieved many accolades to include Chairman Circle and being voted Honolulu Magazine’s “Best In Real Estate” for 2013, 2014, 2018 and 2019. In her spare time, you can find Kinnie at the beach spending time with her husband, son and two golden retrievers. Moto to live by: “Nothing is impossible; the word itself says ‘I’m possible’!” – Audrey Hepburn
The right advice could help you find the right mortgage for you. Let's work together.
Current mortgage rates
Points:
Loan Type | Rate | APR | Points | Mo. Payment |
---|---|---|---|---|
30-year fixed | 6.490% | 6.802% | 0.954 ($3339.00) | $2209.94 |
15-year fixed | 5.625% | 6.199% | 0.998 ($3493.00) | $2883.06 |
FHA loan | 6.050% | 7.137% | 0.956 ($2918.19) | $1976.69 |
VA loans | 5.990% | 6.529% | 0.848 ($3464.93) | $2447.14 |
* Rates current as of 4/2/2025 03:29 am, provided by Kinnie Lang, 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.
Located at 820 W. Hind Dr., Ste. 1293 Honolulu HI, 96821