Nicolette "Niki" Barton Hubbard

Llama help you refinance your home! #mortgageeducation #mortgagedefined #realestateeducation #mortgageprocess #refinance #equity #wealth #mortgage #homeloan #loanofficer #azloans #azhomeloans #financingwithheart #hawaiiloans #hawaiihomes #hawaiihomeloans #hawaiimortgage

Did you know, June is national homeownership month? This month we celebrate homeowners and the importance of accomplishing such a huge milestone in life! If you want to become a part of the homeowner's community, reach out to me today! Let's get you home this year! #NationalHomeownershipMonth #americandream #homeownership #securedlending #homeloans #househunting #homebuying #homebuyingprocess #housingmarket #finance #dreamhome #happyhomebuyers #homeowner #investment #newhome #loanofficer #investinyourself #buildwealth #mortgagelender #mortgageadvisor #mortgagelife #lending #homefinancingwithheart #hawaiiloans #hawaiihomes #hawaiihomeloans #hawaiimortgage

Jade and I are BNI Hilo Innovators and we have fun helping first time home buyers navigate the process of becoming home owners! @jadehalama #ThankfulfThursday #HawaiiRealtors

Prepping for an in-person signing today! Been a while #alwaysbeclosing #mortgage #mortgageloanofficer #hawaiilife #hawaiirealestate #homefinancingwithheart

If your dreams are any of the following: - Become a homeowner - Build your home - Have a pool... Look no further, I can help. Contact me and we can start making your dreams into reality! #americandream #homeownership #securedlending #homeloans #househunting #homebuying #househunters #homebuyingprocess #housingmarket #finance #dreamhome #happyhomebuyers #homeowner #investment #newhome #loanofficer #investinyourself #buildwealth #mortgagelender #mortgageadvisor #mortgagelife #lending #homefinancingwithheart #hawaiiloans #hawaiihomes #hawaiihomeloans #hawaiimortgage

Whether you're interested in saving money on your monthly mortgage payments, or considering a cash-out refinance, I can help! Let's connect today!! #mortgageeducation #mortgagedefined #realestateeducation #mortgageprocess #refinance #equity #wealth #mortgage #homeloan #loanofficer #financingwithheart #hawaiiloans #hawaiihomes #hawaiihomeloans #hawaiimortgage

Niki was very helpful and explained everything that was going on that we had a hard time understanding. She is very nice and easy to talk to. I would recommend her to anyone!

You have the questions and I have the answers! I can help you step by step with the refinance process and make sure we are always on the same page. Message me to get started! #mortgageeducation #mortgagedefined #realestateeducation #mortgageprocess #refinance #equity #wealth #mortgage #homeloan #loanofficer #financingwithheart #hawaiiloans #hawaiiloanofficer

Do you need extra cash to renovate your home? Pay off debt? Start a business? Purchase a second home? If you're on the fence about a cash-out refinance, now is the time to move forward. Reach out today to learn more! ... #homefinancingwithheart #refi #refinancing #newbusiness #startupbusiness #startup #opportunity #housingmarket #househunting #makememove #homegoals #houseshopping #housegoals #investmentproperty #cashout #starterhome #homemakeover #dreamhome #buildingwealth #homerenovation #payoffdebt #hihomes #hawaiiloans #hawaiihomeloans #hawaiimortgage #hawaiiloanofficer See more

If you are in the process of refinancing your home you’ll want to avoid these traps that could potentially cost you thousands of dollars!! #refinance #refi #cashoutrefi #homeequity #saving #interestrates #lowinterest #lowerpayment #refitraps #save #financingwithheart #hawaiiloans #hiloans #hawaiiloanofficer #hawaiimortgage

Glad the underwriters on our team are receptive to our explanations!!

You’re finally ready to build the custom home you've always dreamed of. Where do you even begin? 1. Select the Site of Your New Dream Home Selecting and purchasing your lot is one of the most important components of the process, which will require significant considerationlocation is everything! You can partner with realtors who specialize in finished lots, as well as developers who sell completed lots. In most cases, you can also find builders who have finished lot inventor...ies to pick from. A current survey of the property indicating all easements and rights of way will be required for closing. 2. Planning Sessions with Your Builder/Architect The process of building your custom home begins well before you break ground on your project. The process will begin with extensive meetings with your builder or architect. Builders will commonly have architects on staff or preferred architects they work with. Many builders have architects on staff or certain architects they regularly work with. Keep in mind that each plays an integral role in the process and will work together to help make your vision a reality. 3. Set a Meeting with Us Our favorite part! Our team can help kick start the process of planning for your future. 4. Loan Closing The homebuyer must have an the appropriate down payment or equity at the time of closing. Keep in mindequity is defined as cash paid toward the lot or construction costs, both hard and soft. 5. Construction PhaseUp to 12 months You’ll be given a 12 month construction phase, with interest-only payments while your new home is being built. You'll be charged interest only on the funds disbursed. 6. MOVE IN! Our other favorite part. Watching you move into your amazing custom home. Once the home is complete, you will be able to refinance the construction loan into your permanent loan financing. Please be sure to stay in contact with us during the process so we can help get your permanent loan ready. Questions? Reach out! #homefinancingwithheart #hawaiiloans #hawaiihomes #hawaiihomeloans #hawaiimortgage #constructionloans #buildyourhome