Larry Gonzales

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.

One of the biggest myths in homeownership is that you need a 20% down payment.

❌ You don’t.

Especially if you’re a first-time homebuyer.

Here’s the real breakdown:

✅ Conventional Loan (Fannie Mae/Freddie Mac)

• First-time buyers can put just 3% down with good credit.
• Not 20%. Not even 5%.

✅ FHA Loan

• Requires as little as 3.5% down
• You don’t need perfect credit — just solid, steady credit.

The truth? Getting into a home is more accessible than most people think.

It’s about knowing your options and choosing the right loan for your situation.

DM “DOWN” and I’ll help you figure out which programs you qualify for.

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.

Thinking about buying a home someday, but you’re not ready yet? Totally normal.

But here’s what most Millennials and Gen Z buyers don’t realize:
You usually need 12–24 months to get loan-ready.

Your credit score is your financial report card.

It determines whether you get approved, what kind of loan you can get, and how much you’ll pay for it.

A good loan officer will guide you through the process, help you understand your credit, and build a plan so you’re ready when the time comes.

Start early. Start smart.

DM “READY” and I’ll walk you through your homebuyer prep plan.

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.

Not ready to buy a home yet? Most Millennials and Gen Z aren’t — but your prep window starts long before you think.

You usually need 12–24 months to fix credit, build savings, and get loan-ready.

A loan officer can walk you through every step so you’re not scrambling when you finally want to buy.

DM “READY” for your homebuyer prep plan.

Watch the full insights 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.