Cydney Gray Mortgage Lending

An escrow account isn’t for everybody. You could save thousands of dollars by waving the initial escrow deposit at closing — with no fees. WHAM! Call today to see if you’re eligible for an escrow waiver.

Thinking about buying your first home? Don't do it alone. I'm a local mortgage expert in Hawaii, who can help you every step of the way. Message me to get started.

Want to buy a home but not sure you can afford it? I can show you ways to qualify for a lower interest rate that could result in up to three years of lower monthly payments. Contact me and I'll tell you how.

Want to add on to your home? Pay off debt? Eliminate your mortgage insurance? Now is a great time to do all this and more if you refinance. Call me today and let's talk about what's possible.

Did you recently become an empty-nester? If your chicks have officially flown the coop, now could be the perfect time to downsize your space AND your mortgage. Give me a call to get started!

Here's a proposal you'll fall head over heels for: Use your seller concessions toward a temporary rate buydown and lower your interest rate at the beginning of your loan! Let's make a connection — contact me today!

Vacation got you thinking about relocating somewhere warmer? Don’t wait until you get home to make your dreams a reality. Apply for a mortgage while your feet are still in the sand.

House prices rose 79% of the time (201 months 1987-2023) when interest rates declined. House prices only declined when the drop in mortgage rates exceeded 0.4% (Credit News)

Rates & prices only declined together during COVID, Great Recession, & S&L Crisis

(Ted C Jones)

Wondering if you have enough money to buy a house? FHA loans often feature low down payments, lower closing costs and more affordable mortgage insurance. Let's talk and find out if an FHA loan would work for you!

If you’re almost ready to buy, try to get ready now.

January numbers show Oahu home sales are on the rise According to the Board of REALTORS, single-family home sales rose 22.7% and condo sales rose 6.2% compared to this time last year.

To show my gratitude for your service, I offer veterans a range of special benefits anytime they need a home loan. It's a small way of offering thanks for everything they've given — contact me today to learn more.

Are you currently renting because you think you don’t have another choice? You may be eligible for a down payment assistance program and low down payment options. In the end, your mortgage could be less than your rent. Let’s talk today!

VA loans are here to serve you and save you money with a low interest rate, no down payment and fast closings. Message me to get started. It is an honor to help you.

Are you shopping for your first home and intimidated by the mortgage process? I have three words for you: faster, cheaper, easier! That's what I can offer you if we do business together. Call me today!

Working with an independent mortgage broker like me can save you $9,407* on average over the life of your loan. Message me to learn how.

Buying a home can be exhilarating. It can also be overwhelming unless you have an expert along for the ride. I have access to industry-leading technology to make the process a lot easier. Message me today!

No down payment, low interest rates and fast closings for all veterans. Call me today for more details!

Sick of wasting your money on rent? Buying a home could be the perfect solution for you! It allows you to build equity, customize your space and may even lower your monthly payment. Message me to learn more!

Thank you to our neighbors and clients who are taking a day on, not a day off, to serve others. Our communities are stronger, kinder and more connected because of you!

Do you know what a debt-to-income ratio is? It’s how much you owe each month vs. what you earn. Let me help figure out yours and see how much house you can afford. Call me today!

Perhaps you'll pay off some bills, update your home or travel to far away places. No matter the reason, using the equity you already have in your home is a great way to get the new year off to a new start. Give me a call to get started.

If finding a home is one of your New Year's resolutions, I can help you get a mortgage that fits you even better than that new sweater. Contact me today to get started.

If you've been dreaming about buying a home but have nightmares about the down payment, let me show you how you can put as little as 1% down and bring homeownership within reach. Give me a call today.

2024 - more awesome!

Happy New Year!

Went for an early morning hike the other day. What a beautiful sunrise over Halona Blow Hole ☀️

Get Pre-Qualified with Cydney Gray for your new dream home. 🏠

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