EPM Hawaii

5.0 star review received on Experience.com for Adrian Morales by Jose R M - Adrian is a class act 🙏🏼 working with him made the process easy and smooth, even as a first time buyer. He is explains everything well with professionalism. Im very thankful for all his effort to help us in every step of this process.

New ★★★★★ 5 Star Experience.com Review by Jose R M Click to see all 20 reviews of Adrian Morales, Vice President of Sales | NMLS # 1472836

5.0 star review received on Experience.com for Adrian Morales by Teresa M - Being able to work as a team for the buyers.

New ★★★★★ 5 Star Experience.com Review by Teresa M Click to see all 19 reviews of Adrian Morales, Vice President of Sales | NMLS # 1472836

5.0 star review received on Experience.com for Adrian Morales by Jose J H - Great communication and everyone accodmated to me and my work times, great service and everyone is really nice!

New ★★★★★ 5 Star Experience.com Review by Jose J H Click to see all 18 reviews of Adrian Morales, Vice President of Sales | NMLS # 1472836

5.0 star review received on Experience.com for Adrian Morales by Ricardo H - Really easy to understand this process, with such a professional person ! He made the whole process so smooth and easy!

New ★★★★★ 5 Star Experience.com Review by Ricardo H Click to see all 17 reviews of Adrian Morales,
Vice President of Sales | NMLS # 1472836

5.0 star review received on Experience.com for Adrian Morales by Anita M - My circumstance was very sticky and he and his team gave me the opportunity to refinance.

New ★★★★★ 5 Star Experience.com Review by Anita M Click to see all 16 reviews of Adrian Morales,
Vice President of Sales | NMLS # 1472836

5.0 star review received on Experience.com for Adrian Morales by Lauren P - Great service under a time crunch.

New ★★★★★ 5 Star Experience.com Review by Lauren P Click to see all 15 reviews of Adrian Morales,
Vice President of Sales | NMLS # 1472836

5.0 star review received on Experience.com for Adrian Morales by Joseph P - Neil, Brian and Marcia were the best! They went above and beyond to accommodate us every step of the way! Their responsiveness, professionalism and kindness could not be beat!! I would highly recommend them to all future family and friends. They are in my book the “Dynamic Trio”! Thank you all for your hard work, it was a pleasure doing business with you.

New ★★★★★ 5 Star Experience.com Review by Joseph P Click to see all 14 reviews of Adrian Morales,
Vice President of Sales | NMLS # 1472836

We strive to give every single borrower this exact experience, especially you.

Lend with us and learn why our partners always come back.

Getting a mortgage seems a lot harder than it actually is.

Just follow these easy steps to avoid any hiccups in the process!

Our down payment assistance program is the epitome of empowerment. We believe in you and your right to homeownership, and are committed to helping you fulfill that dream.

Visit epm.net today to learn more about how to qualify for the 'Empowered DPA' loan product!

Buying a house without knowing your loan options is like buying clothes without knowing your size.

Let's take a look at the VA loan.

5.0 star review received on Experience.com for Adrian Morales by JESSICA H - Every time we spoke with you we felt like you actually cared. Which is exactly how your customers should feel so great job!

New ★★★★★ 5 Star Experience.com Review by JESSICA H Click to see all 12 reviews of Adrian Morales,
Vice President of Sales | NMLS # 1472836

Owning a new home is an amazing moment in life, but let's be honest... there's not many things more stressful than moving to a new home. Here's a few quick & easy tips to help you settle in!

5.0 star review received on Experience.com for Adrian Morales by Maricela M - Adrian was very professional through out the whole Transaction. He took initiate & executed every step of the way. Adrian had a positive attitude at all times.

New ★★★★★ 5 Star Experience.com Review by Maricela M Click to see all 11 reviews of Adrian Morales,
Vice President of Sales | NMLS # 1472836

Love where you live.

Our renovation loans and refinancing options can help you turn that house into a home! So, are you ready to finally tackle that home renovation or addition you've been thinking about? You won't regret it.

When you empower one, you empower many.

Stories like this are why we love this industry.

5.0 star review received on Experience.com for Adrian Morales by Jasmin T - Adrian was very helpful and great to work with. He always answered every call and questions we had. Made the entire process very smooth and easy!

New ★★★★★ 5 Star Experience.com Review by Jasmin T Click to see all 10 reviews of Adrian Morales,
Vice President of Sales | NMLS # 1472836

If you're here, you're ready.

Buying your first home can be daunting, it's hard to know when the time is right. But buying your first home may be easier than you think.

If you meet these criteria, give us a call to learn about how we can help get you that first home.

Wondering if you're capable of qualifying for a mortgage? Consider the 4 C's!

Capacity (to pay back the loan), capital, collateral, and credit are the main four criteria which we, the lender, will be looking in to when determining if you qualify for a mortgage.

Knowing how to structure your mortgage to benefit you is imperative. Whether you want to save money now, or over time, there IS a mortgage option for you.

Visit epm.net to better learn about your mortgage options!

Finding that perfect home in the current market can be a little more difficult than usual — but don't be discouraged, we're here to help.

Preparation is key in the current market! Start by determine a budget and identifying the neighborhoods you'd like to live in. After that, you should get pre-approved so that when you need to make that quick decision, you'll be ready.

Visit epm.net to learn more about pre-approval!

EPM is growing! 💥 We want to grow our organization with extremely talented individuals like YOU. Ready to learn more about the opportunities? Contact us at [email protected].

What's the EPM advantage? It's what sets us apart from the pack.

The EPM advantage are the core tenants that we are devoted to bringing to each and every client's experience.

Owning a home is one of the biggest milestones that many humans get to achieve, and it should be celebrated. Let us know in the comments if you celebrated, or plan to celebrate, paying off your mortgage!

When it's time, it's time...

Happy Labor Day! Our offices will be closed today in observance of the holiday.

Workers of the world, enjoy this well-deserved break from your grind — you've earned it.

Did you know that, on average, making just 1 extra mortgage payment a year will reduce the life of your loan by years? Here's a couple other ways to shorten the life of your loan.

EPM is one big unit. No matter what state you're in, no matter what division you work with, and no matter who you talk to — you'll get that same tireless effort from each and every team member at EPM.

Even though rates are a little higher than we've seen over the last couple of years, there can still be some benefits to refinancing. Contact one of our loan officers to learn more about how refinancing can benefit you!