Larry Gonzales
Larry Gonzales

Larry Gonzales

Branch Leader

NMLS ID: 1452722

Call or Text: (808) 348-5287

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The Housing Market Forecast

Helping Veterans & First-Time Buyers Navigate Homeownership with Confidence 🏡

I’m Larry Gonzales — Scotsman Guide Top VA Lender in Hawaii (2018–2022), Navy veteran, and the face behind The Housing Market Forecast.

On this channel, I break down everything you need to know about:

Using your VA home loan benefit

Buying your first home in Hawaiʻi

Navigating the PCS move process

Understanding mortgage rates, market trends, and smart financing options

Whether you're stationed on Oahu or relocating across the U.S., I’m here to simplify the home buying process with real talk, expert tips, and fast answers.

⚡ Customized mortgage strategies
🌺 Local insights for Hawaiʻi real estate
🧠 Weekly videos to keep you informed and empowered

🔔 Subscribe to stay ahead of the market and make your next move with clarity and confidence.

The Housing Market Forecast
Presence isn’t quiet. It isn’t perfect. And it definitely isn’t Instagram-ready. It’s showing up — with infants, teenagers, and rambunctious kids — and being there anyway. If you needed permission today… this is it. 🤍

Presence isn’t quiet.

It isn’t perfect.

And it definitely isn’t Instagram-ready.

It’s showing up — with infants, teenagers, and rambunctious kids — and being there anyway.

If you needed permission today… this is it. 🤍

YouTube Video VVVDekxsdGc0LXF0VVJRQ2x0bEM3WFNRLllCTmZoZURyczNv

The Lie of ‘Perfect Parenting’ (This Is What Presence Really Is)

Motels are musty. Moms are tired. Do the math. Husbands — if you don’t know what to get her, this is it. Time alone. In a real hotel. You’re welcome. 😌

Motels are musty.

Moms are tired.

Do the math.

Husbands — if you don’t know what to get her, this is it.

Time alone. In a real hotel.

You’re welcome. 😌

YouTube Video VVVDekxsdGc0LXF0VVJRQ2x0bEM3WFNRLmRIbnJyQkZYTDV3

Husbands: This Is What She Actually Wants

The best Christmas gift isn’t pedicures or Botox 🎁 When it comes to gift giving, some people want experiences, some want beauty treatments, and some want nothing at all. The real win this holiday season? 👉 Paying attention. If this resonates, share it with someone who actually listens.

The best Christmas gift isn’t pedicures or Botox 🎁

When it comes to gift giving, some people want experiences, some want beauty treatments, and some want nothing at all.

The real win this holiday season?
👉 Paying attention.

If this resonates, share it with someone who actually listens.

YouTube Video VVVDekxsdGc0LXF0VVJRQ2x0bEM3WFNRLlEzXzRBcHRNNm4w

Manicures, Pedicures… or Botox?

Christmas shopping done early hits different 🎄 Some people finish Christmas shopping weeks ahead of time. The rest of us are still emotionally preparing to start holiday shopping. If this made you laugh (or sweat), share it with someone who needs a gentle nudge 😅

Christmas shopping done early hits different 🎄

Some people finish Christmas shopping weeks ahead of time.

The rest of us are still emotionally preparing to start holiday shopping.

If this made you laugh (or sweat), share it with someone who needs a gentle nudge 😅

YouTube Video VVVDekxsdGc0LXF0VVJRQ2x0bEM3WFNRLjVKeW4xVXVNRV9J

She Finished Christmas Shopping HOW Early?!

Markets are closed today, but this week is anything but quiet. We’ve got GDP, PCE (the Fed’s favorite inflation report), jobless claims, and global rate decisions all hitting at once — and yes, volatility is back. The good news? Mortgage rates are still near two-year lows, even after the recent move higher. Conventional rates are hovering in the 6.0–6.4% range, and VA loans remain around 5.75%. No one controls the headlines. No one controls the market. But you do control how you prepare and how you respond. Stay steady. Stay informed. Keep getting better every day.

Markets are closed today, but this week is anything but quiet.

We’ve got GDP, PCE (the Fed’s favorite inflation report), jobless claims, and global rate decisions all hitting at once — and yes, volatility is back.

The good news? Mortgage rates are still near two-year lows, even after the recent move higher.

Conventional rates are hovering in the 6.0–6.4% range, and VA loans remain around 5.75%.

No one controls the headlines. No one controls the market.

But you do control how you prepare and how you respond.

Stay steady.
Stay informed.
Keep getting better every day.

YouTube Video VVVDekxsdGc0LXF0VVJRQ2x0bEM3WFNRLjhlV3lJTHdPYV9z

Rates Are Volatile — But Here’s Why I’m Still Calm This Week

VA rates are already near 1–2 year lows. The bigger risk right now isn’t buying — it’s waiting while markets react to global events and the Fed. Watch the full details here: https://youtu.be/I-_L28TE8N8

VA rates are already near 1–2 year lows.

The bigger risk right now isn’t buying — it’s waiting while markets react to global events and the Fed.

Watch the full details here: https://youtu.be/I-_L28TE8N8

YouTube Video VVVDekxsdGc0LXF0VVJRQ2x0bEM3WFNRLlZTTmk2bVM1U1hJ

VA Rates Near Lows

VA rates are already in the 5s — and buyers today can buy them down even more using seller credits. Waiting doesn’t always save money. Sometimes it costs it. Watch the full details here: https://youtu.be/I-_L28TE8N8

VA rates are already in the 5s — and buyers today can buy them down even more using seller credits.

Waiting doesn’t always save money. Sometimes it costs it.

Watch the full details here: https://youtu.be/I-_L28TE8N8

YouTube Video VVVDekxsdGc0LXF0VVJRQ2x0bEM3WFNRLjRCcTFsRmIwc3hz

The Cost of Waiting for Rates

New home sales are up nearly 19% year over year — even as prices fall. Builders don’t do that unless demand is real. Watch the full details here: https://youtu.be/I-_L28TE8N8

New home sales are up nearly 19% year over year — even as prices fall.

Builders don’t do that unless demand is real.

Watch the full details here: https://youtu.be/I-_L28TE8N8

YouTube Video VVVDekxsdGc0LXF0VVJRQ2x0bEM3WFNRLnJzaVhKakFIUTJn

Builders Cut Prices for Buyers

Sales are climbing. Inventory is falling. December delivered one of the strongest housing signals we’ve seen in years — nationally and on Oahu. Watch the full update here: https://youtu.be/I-_L28TE8N8

Sales are climbing.

Inventory is falling.

December delivered one of the strongest housing signals we’ve seen in years — nationally and on Oahu.

Watch the full update here: https://youtu.be/I-_L28TE8N8

YouTube Video VVVDekxsdGc0LXF0VVJRQ2x0bEM3WFNRLmdKR045RVhPNnMw

Housing Supply Is Tightening

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