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	FIND YOUR LOAN OFFICER AND CALL FOR CURRENT RATES AND TERMS   Mortgage Rates U.S. averages as of June 26, 2008: 30 yr. fixed:   6.45% 15 yr. fixed:   6.04% 1 yr. adj:        5.99%		Mortgage Center    The First Step toward owning a home in Hawaii is to get pre-qualified - preferably pre-approved and by a local lender that understands Hawaii's unique land laws and processes.  I have relationships with these loan officers and many others and would be thrilled to introduce you. Loan Officers  I am also a loan officer under Scott Coffman at Kailua Mortgage.  I specialize in loans for investors as part of an overall investment strategy, refinancing current mortgage loans and home equity loans, and researching fractional opportunities.   Scott, Helen or Allan are excellent choices for local loan officers for my buyers who can shop for the best rate while understanding the very specific land laws in Hawaii. My knowledge of the mortgage market helps my sellers understand the best offer for their homes.   Kate Braden   Scott Coffman Kailua Mortgage, LLC   Kailua Mortgage,LLC (808)265-6803   (808) 254-3333 Kateb@katebraden.com   scott@kailuamortgage.com       Helen Baker The Lender LLC (808) 753-7793 thelender.helen@gmail.com   Allan Blackard Mortgage Associates of Hawaii (808) 221-5670 ablackard@mahiloans.com Please note MAHI is an affiliate of HRA, LLC No Warranty is implied or intended, see the DISCLAIMER
	Call: (808) 265-6803 Email: KateB@KateBraden.com
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		Copyright © 2007 Kate Braden. All Rights Reserved.

Bankrate's site displays two sets of rates that are produced from two surveys we conduct: one daily and the other weekly. They're both useful, but they're samples of different groups and they serve different purposes.

You will see daily rate averages on the site in boxes labeled "overnight averages" (these calculations are run after the close of the business day).

Included there are rates we have collected on the previous day for a specific banking product. Overnight averages tend to be volatile. They help consumers see the movement of rates day to day. The institutions included in the "overnight averages" tables will be different from one day to the next, depending on which institutions' rates we gather on a particular day for presentation on the site.

The "National Index," or "national survey of large lenders," is conducted weekly. The results of this survey are quoted in our weekly articles, the Interest Rate Roundup and our Mortgage Analysis. To conduct the National Index survey, Bankrate obtains rate information from the 10 largest banks and thrifts in 10 large U.S. markets. We've conducted this survey in the same manner for almost 20 years, and because it's consistently done the way it is, it gives an accurate national apples-to-apples comparison.

The credit card index is based on a weekly survey of the 50 largest card issuers, ranked by total receivables, an industry standard measure.

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