Zero Down Home Loans Available
USDA/Rural Housing Loans Offer 100% Financing on Hawaii Homes
Many people are unaware that there is still 100% financing available. There are definitely eligibility requirements for the property and the borrower. To find out if you are eligible, this website is an excellent resource:
As an example, the whole island of Kauai is considered rural. This does not mean that every property on Kauai is eligible for this loan, but does broaden the liklihood that a property would be eligible. Condos are also eligible as long as they are already on an approved government list, such as VA or FHA.
Income eligibility is a key piece as well. The income guidelines are generous. I recently closed a USDA/RH loan for a single borrower that makes just under $50,000 per year.
For more information, or if you have any questions, please contact me.
About Sharon Gerber, Senior Loan Officer
I have a passion for mortgage lending and pride myself in providing every customer the best service possible. Getting to know the clients and understanding their financial needs allows me to present them with the most beneficial loan product. I like to keep in mind that although I work in mortgages every day, most clients will only go through this process once or twice in a lifetime.
I realize the importance of being knowledgeable and up to date on all of the mortgage industry standards. Educating and helping my clients to feel comfortable through the mortgage process is always my top priority.
I am a graduate of San Jose State University with a Bachelor of Science in Business Administration (Management). Prior to moving to Kauai in 2002, I worked at Hewlett-Packard/Agilent Technologies for 23 years. My various roles at Hewlett-Packard and Agilent Technologies included sales support, marketing, management and business development. With this background I was well equipped to transition successfully into a new career in mortgages.
In 2002 I became involved in the real estate industry on Kauai. I purchased property on the island and attended Real Estate school. In February of 2002 I began working for Title Guaranty in Lihue as an escrow officer, and then a few years later opened a branch of Old Republic Title & Escrow on the island of Kauai. In 2006 my career evolved into the mortgage industry, which encompasses my background, skills and interests. I’ve never looked back.
The next natural step in this career evolution is to branch out on my own, which is how I came to Fairway Independent Mortgage d.b.a., Innerwork Mortgage. Opening the newest branch of Innerwork Mortgage on Kauai allows me to serve my clients even better. It provides the stability and speed of a bank, but the flexibility to broker for those unique Hawaii properties.
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