Why HI Velocity Mortgage?


  • Wholesale Rates - The ability for a borrower to shop around for the best rate with various Lenders.
  • More Control - A Mortgage Broker has access to many different wholesale lenders that allow us to communicate with underwriting.
  • Speed and Efficiency - Loans quicker with fewer conditions through the use of the most up-to-date technology.
  • Local Knowledge - As Mortgage Brokers in Hawaii and Washington, our Loan Officers have combined more than 30 Years of experience.
  • No Hidden Costs - We are able to offer you wholesale loan prices without added margins.
  • Exceptional Service - We work hard to reach 100% satisfaction, and meet your close date.

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Mortgage Rates Holds Steady After Weak Jobs Report
Mortgage Rates Holds Steady After Weak Jobs Report

On October 1, 2025, the average 30-year fixed mortgage rate held at 6.37% after weak private payroll data. Bigger shifts may follow when the delayed government jobs report is released.

3 Reasons Home Affordability Is Improving This Fall
3 Reasons Home Affordability Is Improving This Fall

Affordability is finally improving this fall thanks to lower average 30-year fixed mortgage rates, slower home price growth, and rising wages. Learn why now could be the right time to buy.

Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here’s What Happened (and Why Applications Just Surged)
Mortgage Rates Hit Yearly Lows—Then Jump After the Fed Cut. Here’s What Happened (and Why Applications Just Surged)

After touching yearly lows early in the week, the average 30-year fixed rose following the Fed’s rate cut—thanks to the dot plot and Powell’s comments. Still, mortgage applications just saw their biggest weekly jump since 2021 as homeowners reacted to earlier rate declines. Here’s what it means for buyers and homeowners.