About Steven Penske
I have been originating loans since 2001. I am an expert in all home-loan types including Conventional, Jumbo, VA, FHA, USDA. I specialize in Jumbo Financing and higher balance VA loans in California, Nevada, Oregon, and Hawaii. I am an expert on all of the many Jumbo loan products and can help sophisticated buyers get the loan option that is best for their situation. Since 2001 I have been helping Veterans and their families take advantage of their VA home loan benefit. As a proud partners of the USO* to help increase Veteran Home Ownership, Guaranteed Rate has waived our lender fee for all VA loans through the end of 2022** I will always make sure my customers understand all their options and always be available by phone, email and text to answer your home financing questions. With the low housing inventory, I encourage all buyers to take advantage of GR's PowerBid Approval. This program aims to get you to a full-underwriting credit approval BEFORE you shop. This allow us to show sellers that you are serious as a buyer and in position for a faster closing… you can even compete with cash buyers. Please apply now to get started or contact me for details. * *United Service Organizations, Inc. (USO) is a non-profit 501(ϲ)(3) organization (EIN/Tax ID: 13-1610451) and not part of the Department of Defense (DoD). ** Waived $1440lender fee available for VA loans that have a triggered RESPA app date as of January 1, 2022 through December 31, 2022 at 11:59pm EST*. This offer does not extend to Housing Finance Agency loans. 'Triggered RESPA' in accordance with Regulation X, is defined as lender receipt of all six pieces of information received in a secure format; applicant name, property address, home value, loan amount, income and SSN. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Offer not available from any d/b/a or operations that do not operate under the Guaranteed Rate name. Restrictions apply. *****PowerBid Approval (the "Approval") is contingent upon receipt of executed sales contract, an acceptable appraisal supporting value, valid hazard insurance policy, and a re-review of your financial condition. Guaranteed Rate, Inc. reserves the right to revoke this Approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation and/or if any information contained your application is untrue, incomplete or inaccurate. Receipt of an application does not represent an approval for financing or interest rate guarantee. Not all applicants will be approved for financing. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.*Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.
The right advice could help you find the right mortgage for you. Let's work together.
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 1001 Bishop Street, Suites 1000 & 1001 Honolulu HI, 96813