Larry Gonzales

Builders are still cautious… but optimism is rising 📈
Rates expected to fall = better days ahead 🏡

#HousingMarket #HomeBuilders #InterestRates #RealEstateTrends

✅ 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.

Job growth stalled. Inflation dropped.
And interest rates finally responded.

In this Housing Market Update for December 19, 2025, we break down what the latest jobs report, CPI data, and Fed policy mean for mortgage rates, VA buyers, and Oahu home sellers as we close out the year.

Here’s what you’ll learn:
Why unemployment hitting post-COVID highs matters for rates
The inflation surprise that pushed mortgage rates lower
VA rates near 2025 lows around 5.87%
Why inventory is falling — but buyers still have leverage
How to sell your home faster in a buyer’s market

As we head into two holiday-shortened weeks, don’t expect big swings — but this window matters.

For VA buyers and homeowners, the opportunity isn’t chasing the lowest rate headline.

It’s understanding timing, leverage, and total cost.

📍 Oahu | VA Loans | Hawaii Real Estate

🔔 Subscribe for weekly housing & mortgage updates

#HousingMarketUpdate #MortgageRates #VAHomeLoan #OahuRealEstate #Inflation


✅ 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.

Anyone who tells you they know where mortgage rates are headed next is guessing — and this week proves why.

As we kick off Monday, mortgage rates are largely unchanged from last week, but don’t let that fool you. We’re heading into one of the most data-heavy and potentially volatile weeks we’ve seen in a while.

Here’s what’s on deck:
• Housing Market Index
• ADP Employment Data
• November BLS Jobs Report
• Retail Sales
• CPI Inflation Report
• 20-Year Bond Auction
• Central bank decisions from England, Europe, and Japan

If the numbers come in weaker, rates could improve. If not, expect upward pressure again. The truth is — we won’t know until the data hits.

Starting the week rates:
• 30-Year Conventional: ~6.30%–6.45%
• 30-Year VA: ~5.92%

Stay informed, stay realistic, and don’t make decisions based on guesses.

#MortgageRates #RateUpdate #HomeBuyers #VAHomeLoans #HousingMarket


✅ 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.

Yes, the Fed dropped rates by 0.25%, but here’s the part no one’s talking about...

👀 Jerome Powell basically admitted they overshot the labor numbers—by 60,000. That changes the game.

This isn't just about short-term rates. This could signal where mortgage rates are really headed—especially if weaker job data hits next week.

Want to know what that means for your mortgage strategy? Watch this.

#LarrytheLO #TheBroker #TheBrokerHI #veteranloan #veterans #valoans #mortgage #va #iwhawaii #veteranspcsing

✅ 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.

Too many veterans are jumping at "low" rates without knowing the real cost. That 4.75% VA rate? Came with a $25K equity hit.

Before you jump into a VA IRRRL, ask yourself:
1️⃣ What’s your goal—lower payment or faster payoff?
2️⃣ What’s the true cost?
3️⃣ How long are you keeping the home?

Don't chase a sexy number. Chase peace of mind and real monthly relief.

#LarrytheLO #TheBroker #TheBrokerHI #veteranloan #veterans #valoans #mortgage #va #iwhawaii #veteranspcsing

✅ 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 finally moved the right direction — and this time, it actually mattered.

The Fed cut rates, VA mortgage rates dipped below 6%, and we’re seeing early signs of what this means for the Oahu housing market heading into 2025.

In this week’s housing market update, I break down:
Why this Fed cut actually lowered mortgage rates
November Oahu home & condo prices (yes, condos dropped)
Why inventory is still high — and why that matters for buyers
VA refinance warning: the lowest rate isn’t always the best deal
What happens next if rates fall into the mid-5s


If you’re a VA buyer or homeowner, this is one of those moments where timing matters more than headlines.
👉 Thinking about a VA IRRRL (Earl)?

Before you refinance, ask:
What’s the goal — payment or payoff?
What’s the real cost?
How long will you own the home?


💬 Comment “Earl” or DM me — I’ll run the math and tell you yes or no.

📍 Oahu | VA Loans | Hawaii Real Estate

🔔 Subscribe for weekly housing & rate updates

#VAHomeLoan #HawaiiRealEstate #MortgageRates #OahuHousing #VALoan

✅ 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.

December housing demand just hit a three-year high, and there are three major reasons:

✔️ The spread between the 10-year Treasury and 30-year mortgage is tightening
✔️ Inventory is rising
✔️ Rates are holding steady in the low-6% range

In this week’s update, I break down what’s happening with mortgage rates, why VA rates are now under 6%, and what to expect as the Fed prepares for its next rate decision.

This is one of the biggest news weeks of the year:

• Treasury auctions
• ADP job report (six months of negative prints)
• JOLTS showing fewer openings
• Fed rate cut expectations
• Powell’s comments that will move mortgage pricing

Plus — a preview of the Honolulu Board of Realtors’ November report, showing which Oahu areas are slowing and which ones are still on fire.

If you're buying, selling, or refinancing in Hawaii, this is the update you don’t want to miss.

✅ 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 just hit their lowest point of the year — around 5.87% — and there’s still room for them to go lower.

Here’s what’s happening in the Hawaii market:

📉 Rates dropped into the 5–6% zone
📉 Inventory dropped at the exact same time

On Oahu, we hit a 10-year high in active inventory back in July (over 3,500 homes).

But as rates started falling, inventory began tightening fast. Sellers and buyers are moving again — and VA buyers are in a uniquely strong position.

Lower rates =
✔️ Lower payments
✔️ Higher affordability
✔️ More room to compete

But tightening inventory =
✔️ Less time to hesitate

If you’re a VA buyer, this is the window you’ve been waiting for.

DM “VA RATE” and I’ll run your updated numbers.

#VAloan #VARates #militaryhomebuyer #hawaiirealestate #oahumarket #mortgagerates

Watch the full video here: https://youtu.be/ScCgJNqE0lk

✅ 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.

How much home can you actually afford in Hawaii?

Most buyers guess… and most guess wrong.

Income, debt, credit score, interest rates, and even Hawaii’s unique property taxes all play a role. And trust me — those numbers hit differently here.

I talk to homebuyers every day who fall in love with homes before they know their real number.

That’s how people end up stressed, overextended, or missing out on homes they could have afforded.

When you know your true budget, you:

✅ Shop smarter
✅ Negotiate stronger
✅ Buy with confidence

No fluff, no pressure — just real talk about what you can comfortably afford in Hawaii.

DM “AFFORD” and I’ll run your personalized numbers.

#hawaiirealestate #homeaffordability #firsttimehomebuyer #hawaiihomes #millennialmoney #genzmoney

Watch the full video here: https://youtu.be/ScCgJNqE0lk

✅ 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.