Larry Gonzales

Happy Thanksgiving week!

Today we hit an important milestone: VA rates dipped below 6%, starting the day at 5.95%.

While this is a lighter week for economic news, several key reports could continue to influence rates through the holiday.

Here’s what I’m watching:

• Monday: 2-year Treasury auction
• Tuesday: 5-year Treasury auction — biggest market mover of the week
• Wednesday: ADP estimate, consumer confidence, Case-Shiller home prices
• All week: Eyes on the Supreme Court’s upcoming tariff ruling
• Jobless Claims: Could we hit 2 million continuing claims for the first time since the pandemic?

Conventional rates are sitting between 6.3%–6.5%, while VA continues its improvement below 6%.

As always, I’ll keep you updated so you can make confident decisions in Hawaii’s changing mortgage market.

Aloha, and enjoy the holiday week!

#mortgagerates #VALoans #hawaiirealestate #rateupdate #homebuyers

✅ 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.

Are we getting closer to a Fed policy mistake… and what does that mean for your next move in Hawaii’s housing market?

In this November 21, 2025 Hawaii Housing Market Update, I break down what’s actually happening with interest rates, home prices, VA loans, and affordability so you can make decisions with clarity—not fear.

In this video we cover:

🧱 Home builder confidence – why builders feel “better but not great”

📉 Jobs & unemployment – what the latest BLS report really means

🏡 Existing home sales – activity is up, but still below normal levels

📈 Are we nearing a Fed policy mistake? Tight policy vs a slowing economy

💸 Why homes feel so much more expensive (you’re not crazy)

🇺🇸 VA loan rates dropping below 6% (5.99%) and what that unlocks

🏦 ARM strategies & seller concessions – how buyers are getting into 4.75%

You’ll see how higher rates, flat inventory, and sticky prices have changed the entire experience of buying a home—especially for first-time and VA buyers in Hawaii.

✅ 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.

Demand is softening nationally, but Hawaii’s tight supply still gives sellers leverage.

Smart positioning + affordability messaging = strong offers.

#oahu #hawaiirealestate #homeseller #realestateupdate

Watch the full video here: https://youtu.be/MhhdFgWg6lo

✅ 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.

The affordability squeeze is real — especially for Millennials and Gen Z trying to buy their first home.

Prices are up, payments are at 1989 highs, and nearly 30% of homes are being scooped up by investors.

It feels like you’re starting the homebuyer marathon 18 miles behind everyone else.

But here’s the truth: you don’t need a perfect market. You need the right strategy.

If you’ve been saving, budgeting, stressing over rates, and still feeling locked out... you’re not imagining it.

You’re competing against repeat buyers with equity and investors with cash. But first-time buyers can win when they use smarter approaches like:

• Early pre-approval to know your real buying power
• Low-down-payment programs
• Overlooked neighborhoods & condo options
• House hacking with rental income
• Focusing on monthly payment, not just price

I help first-time buyers do this every day — even in markets where affordability feels impossible.

If you want the playbook that helps level the playing field, DM me the word HOME and I’ll send you my House Hacking Guide.

Let’s turn your frustration into a plan.

#FirstTimeBuyer #Millennials #GenZ #HousingMarket #Affordability #HomebuyerTips #RealEstate2025

✅ 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.

Mortgage rates kicked off this week with a little more turbulence — and this time, we’ve actually got real economic data to blame.

In today’s Monday Rate Update, we break down where VA and conventional rates are sitting, why they’ve struggled to move lower, and the five major reports hitting the market this week.

This week matters because:

✔️ Fed Minutes drop Wednesday
✔️ Delayed BLS Jobs Report finally hits Thursday
✔️ Consumer Sentiment, manufacturing data, and builder confidence all on deck

With inflation still sticky and the Fed signaling hesitation about cutting rates in December, the market is waiting for signs that the job market is cooling.

We’re already seeing major companies announce layoffs — something the Fed hasn’t fully acknowledged yet.

If you’re planning to buy, sell, refinance, or just stay informed, this is the update you want to watch.

Chapters:

0:00 – Intro
0:11 – Where mortgage rates opened today
1:05 – Why rates are stuck above 6%
1:50 – This week’s major economic reports
4:10 – What the Fed is watching closely
5:30 – Jobs report expectations
6:40 – Why this matters for December’s Fed meeting
7:25 – Next steps + recommended videos

Helpful Links & Next Steps:

👉 Watch my updates on affordability & the 50-year mortgage
👉 Connect for a personalized rate strategy
👉 VA buyers: ask me about the 0% down options and strategy timelines

If you find this helpful, hit the like button and subscribe — it helps more local families get clear, transparent mortgage education.

✅ 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.

Oahu has the highest inventory in 10 years — and strategic financing is helping buyers win.

This couple grabbed a 4.75% 5/1 ARM and saved a ton. Here’s why it made sense.

#oahu #hawaiirealestate #mortgagerates #armloan #homebuyeracademy

Watch the full video here: https://youtu.be/MhhdFgWg6lo

✅ 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.

VA rates are steady around 6% and probably won’t move much until next week’s labor and inflation data come out.

Here’s why the market is so calm right now.

#VARates #mortgagerates #veterans

Watch the full video here: https://youtu.be/MhhdFgWg6lo

✅ 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.

The Fed can’t cut rates without proof inflation is cooling.

Now that the government reopened, the missing data is finally about to drop — here’s the timeline you need to watch.

#fedupdate #mortgagerates #cpi #jobsreport #pce

✅ 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.

Portable mortgages sound amazing — keep your 2–4% rate and take it with you when you move.

But there’s a catch… actually several.

Here’s what’s real, what’s hype, and what this could mean for buyers and sellers in 2025.

#mortgagerates #portablemortgage #housingmarket2025 #mortgagetips #hawaiirealestate #valoan

Watch the full video here: https://youtu.be/MhhdFgWg6lo

✅ 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.