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Being born and raised on Oahu, Ian is grateful to serve the community he was raised alongside. Personified by his parents and grandparents, Ian’s core values include loving others, living with a high level of integrity, listening to truly understand, using excellent communication, and helping his clients choose the best fit products specific to their needs. He has a strong passion for growth and learning, always looking to improve and achieve his potential, while helping others with a high level of service.
Ian graduated with Magna Cum Laude honors from University of Hawaii at Manoa with a double major in Finance & International Business, and a minor in piano. Through his educational years in Hawaii, studying abroad in Paris, and studying at University of Oregon for a one-year national exchange, Ian developed a love for building relationships and learning about others from various backgrounds and world views.
After almost 2 years of working as an account manager for Hawaii Information Service, a multi listing service company for Big Island and Kauai Realtors, Ian built many relationships while learning about real estate from the hundreds of Realtors he helped.
Ian noticed many Realtors had clients that were open to working with mortgage loan officers with characteristics similar to his. With his high level of responsiveness, personability, and responsibility, developed from almost 4 years of customer service, Ian made a natural transition into the mortgage industry.
Ian provides all his clients with excellent communication, step by step guidance, and the best fit products according to their individual needs. His company, Infinite Financial LLC, is an independent mortgage brokerage company headed by Duncan Hsia, an industry veteran with an excellent local reputation and over a decade of experience. Unlike a retail bank, Infinite Financial works with many different local and national lenders to find the best fitting product for each of its customers.
On his free time, Ian loves reading psychology & personal growth books, playing beach volleyball, travelling, spending time with family and friends, making new friends, playing board games, having deep conversations, journaling in coffee shops, and playing with his brother’s cat, Casper. Ian believes healthy relationships, morning gratitude, and daily purposeful living are some keys to his happiness each day.
| Conventional Purchase | VA Home Purchase | FHA Home Purchase | USDA Home Purchase | Non-Conforming Home Purchase (Jumbo Loans) | |
|---|---|---|---|---|---|
| Down Payment Requirement |
First-time Homebuyers 3%
Qualified* Returning Buyers 5% |
None |
FICO Score of 580 or Above: 3.5%
FICO Score Below 580: 10% |
None | 5% for Qualified* Buyers |
| Credit Score Requirement |
LTV Above 75%: 680
LTV Below 75%: 620 |
Variable, Set by Lender’s Independent Policy |
500 Min. for 10% Down
580 Min. for 3.5% Down Lender Policies May Require Additional Terms |
Variable by Lender Policy
640 Required for Automatic USDA Underwriting |
Variable by Lender Policy
Informal Standard of 680 or Above |
| Initial Fees |
First-time Homebuyers 3%
Qualified* Returning Buyers 5% |
Funding Fee Varies Between 2.3 - 3.6% | 1.75% MIP, Can be Rolled into Financing | Funding Fee Equal to 1% of Loan Amount | 5% for Qualified* Buyers |
| Mortgage Insurance Requirement | .5 – 2% of Original Loan Amount | None |
.45 - 1.05% of Existing Loan Balance, Paid Monthly
Avg Rate of .85% |
.35% of Existing Loan Balance, Paid Monthly | None |
