In this week’s housing market update, we break down the headlines everyone is talking about — 50-year mortgages, portable mortgages, and whether any of these ideas actually fix affordability.
Prices are steady. Inventory is at a 10-year high on Oahu. Rates are hovering around 6%. So why does the market still feel impossible for first-time buyers, Millennials, and Gen Z?
I’ll show you the math behind 30-year vs. 50-year mortgages, how VA buyers are affected, what portable mortgages would really mean, and when the Fed will finally get the data it needs before the December meeting.
If you’re buying in Hawaii, especially as a VA buyer, this episode gives you clarity, strategy, and a path forward — not hype.
HIGHLIGHTS:
00:00 – Market Overview
01:10 – The Affordability Crisis
03:35 – 30-Year vs. 50-Year Mortgage Breakdown
06:20 – VA Buyer Impact
08:40 – Portable Mortgages Explained
11:15 – What the Fed Needs Before December
12:50 – Oahu Inventory & VA Rate Update
14:30 – Buyer Strategy (5/1 ARM Example)
16:20 – Seller Strategy in Low-Inventory Markets
If you need a personalized buying plan, VA strategy, or payment breakdown, send me a message. I help first-time buyers and veterans navigate this market every day.
✅ Here is how to contact me:
1️⃣ Take the first step to homeownership! Get pre-approved in under 2 minutes at my website: larrythelo.com
2️⃣ Give me a call 📞 808-348-5287
Social Media Handle:
👉 Instagram - larrythelo
👉 Facebook - LarrytheLO
All information contained herein is for informational purposes only and, while every effort has been made to ensure accuracy, no guarantee is expressed or implied.
Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice.
This is not an offer to extend credit or a commitment to lend.
All loans subject to underwriting approval.
Some products may not be available in all states and restrictions apply.
Equal Housing Opportunity.
