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    <loc>https://bestmortgagehawaii.com/home</loc>
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    <lastmod>2025-10-22</lastmod>
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    <loc>https://bestmortgagehawaii.com/programs</loc>
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    <lastmod>2025-05-06</lastmod>
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      <image:title>Programs - Home Purchase</image:title>
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      <image:title>Programs - DSCR No Tax Return Loan</image:title>
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    <image:image>
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      <image:title>Programs - Refinance</image:title>
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      <image:title>Programs - VA Loan</image:title>
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      <image:title>Programs - FHA Loan</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5efe21491be0ef3650ae8df1/1595317099704-DYLRMZQNBQ2A6EF9IZXV/image-asset.jpeg</image:loc>
      <image:title>Programs - USDA Loan</image:title>
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      <image:title>Programs - Construction Loan</image:title>
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  <url>
    <loc>https://bestmortgagehawaii.com/contact</loc>
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    <lastmod>2025-10-22</lastmod>
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    <loc>https://bestmortgagehawaii.com/mortgage-calculator</loc>
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    <priority>0.75</priority>
    <lastmod>2021-02-10</lastmod>
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    <loc>https://bestmortgagehawaii.com/upload</loc>
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    <lastmod>2025-05-06</lastmod>
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    <loc>https://bestmortgagehawaii.com/refinance</loc>
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    <priority>0.75</priority>
    <lastmod>2020-07-28</lastmod>
    <image:image>
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      <image:title>Refinance - What is a Refinance?</image:title>
      <image:caption>Are you looking to replace an existing loan? Borrowers interested in replacing an existing loan opt for refinances. There are a few different types: rate and term refinance, limited cash out refinance, and cash out refinance. Unsure which one is best suited for your needs? Contact us today to learn more to get started!</image:caption>
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    <loc>https://bestmortgagehawaii.com/construction</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-07-29</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5efe21491be0ef3650ae8df1/1595918217179-A3Z7R5R1PP44TBFTEYUM/image-asset.jpeg</image:loc>
      <image:title>Construction - Construction Loan</image:title>
      <image:caption>A temporary loan for the construction period and is characterized by draw payments as phases of the project are completed, interest only payments and rising principal. Permanent financing is generally required after the construction period. Contact us for more information.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5efe21491be0ef3650ae8df1/1595918350500-UZZEZ43ZOV7W1UD3KE1R/image-asset.jpeg</image:loc>
      <image:title>Construction - Construction to Permanent Loan</image:title>
      <image:caption>A construction loan where the permanent financing is included. There is a one-time close and the loan will modify to the permanent financing portion at the end of the construction period. Contact us for more information.</image:caption>
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    <loc>https://bestmortgagehawaii.com/fha</loc>
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    <priority>0.75</priority>
    <lastmod>2020-07-29</lastmod>
    <image:image>
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      <image:title>FHA - What is an FHA loan?</image:title>
      <image:caption>FHA Loans are a government funded program. Borrowers can obtain an FHA loan with a down payment or minimum cash investment as low as 3.5% of the sales price (available with credit scores above 580). Contact us for more information!</image:caption>
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  <url>
    <loc>https://bestmortgagehawaii.com/conventional</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-07-31</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5efe21491be0ef3650ae8df1/1595915639682-8WBONOVT0X1DOP15OA29/image-asset.jpeg</image:loc>
      <image:title>Conventional - 30 Year Loan</image:title>
      <image:caption>Conventional loan programs are not backed by an agency of the federal government, however they are the most common types of loans for home buyers. Interested in obtaining a 30 year loan? Contact us to get started!</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5efe21491be0ef3650ae8df1/1595916225119-HCYU8INGNQZCAU9O4J8U/image-asset.jpeg</image:loc>
      <image:title>Conventional - 15 Year Loan</image:title>
      <image:caption>Conventional loan programs are not backed by an agency of the federal government, however they are the most common types of loans for home buyers. Interested in obtaining a 15 year loan? Contact us to get started!</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://bestmortgagehawaii.com/va-loan</loc>
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    <priority>0.75</priority>
    <lastmod>2020-07-28</lastmod>
    <image:image>
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      <image:title>VA Loan - What is a VA Loan?</image:title>
      <image:caption>Are you a veteran interested in obtaining a mortgage? If your answer is “yes” then this program might be the perfect option for you! VA allows 100% financing for qualified military borrowers. Borrowers can start a loan with a credit score as low as 520! Interested in obtaining a VA loan? Contact us to see if you qualify!</image:caption>
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  <url>
    <loc>https://bestmortgagehawaii.com/dscr</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-06</lastmod>
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      <image:title>DSCR - What is a DSCR Loan?</image:title>
      <image:caption>Debt-Service Ratio (DSCR) Loan Short term or 30 years fixed No Income Verification Up to 55% LTV (loan to value) Investment or Owner Occupied</image:caption>
    </image:image>
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  <url>
    <loc>https://bestmortgagehawaii.com/yearsmonthscalc</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-02-10</lastmod>
  </url>
  <url>
    <loc>https://bestmortgagehawaii.com/downpaymentcalc</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-07-29</lastmod>
  </url>
  <url>
    <loc>https://bestmortgagehawaii.com/insurancetaxcalc</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2020-07-29</lastmod>
  </url>
  <url>
    <loc>https://bestmortgagehawaii.com/usda</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-05-06</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5efe21491be0ef3650ae8df1/1595917082791-BTR2CJAN927U9M5OBR1X/image-asset.jpeg</image:loc>
      <image:title>USDA - What is a USDA Loan?</image:title>
      <image:caption>USDA Loan is a mortgage program offered by the U.S. Department of Agriculture to help low and moderate income households purchase or build homes in eligible rural areas</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://bestmortgagehawaii.com/contact-1</loc>
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    <lastmod>2025-06-10</lastmod>
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