Serving Oʻahu from Ewa Beach · Veterans, military families & first-time buyers
Call or text (808) 348-5287 [PLACEHOLDER: confirm phone]
I’m Larry Gonzales. I spent my career in the U.S. Navy, and now I help veterans, military families and first-time buyers put a plan together for a home on Oʻahu. I’ll keep it simple and tell you where you stand.
Prefer to talk? Call or text (808) 348-5287. [PLACEHOLDER: confirm phone]
Larry’s professional headshot or on-location portrait (Oʻahu setting). Larry to provide.
Purchase, refinance & PCS moves
Pick the one that fits. Each path starts with a short conversation, not a hard sell.
First home or next home, I’ll help you get pre-approved and understand the full monthly cost before you shop.
Let’s check your eligibility, entitlement and funding fee, and see what your benefit can do on Oʻahu.
Lower payment, shorter term or cash out. I’ll run the numbers and tell you honestly whether it makes sense.
Got orders? We can start the loan before you land and plan around your report date.
You earned this benefit. I’ll walk you through how it works, what it costs and where people get tripped up on Oʻahu, so there are no surprises at closing.
General information only, not a commitment to lend. VA eligibility, entitlement, funding fee and property approval are subject to VA and lender requirements. Larry Gonzales and The Broker are not affiliated with or endorsed by the U.S. Department of Veterans Affairs or the Department of Defense.
Who qualifies, and how your Certificate of Eligibility fits in. A COE confirms the benefit, not loan approval.
What it is, when it applies and who may be exempt. I’ll confirm yours early so it isn’t a surprise.
How BAH may be counted as income, and why your comfortable payment matters more than your max approval.
On Oʻahu, the condo project needs VA approval. We’ll check it before you fall in love with a unit.
Taking over a seller’s existing VA loan can be an option. I’ll help you compare the equity gap, servicer process and entitlement questions against a new VA loan.
Moving across the Pacific is a lot. Here’s how we can line up your financing from the day you get orders to the day you get keys.
Send me your orders and report date. We’ll talk goals and timing.
We review income, BAH and your VA entitlement and get you pre-approved.
You and your agent search, in person or by video, with a clear budget.
Appraisal, inspection and any condo or VA requirements get handled.
We close on a timeline that works around your move and arrival.
Mililani, Wahiawā and Waipiʻo are nearby communities families often compare. I’ll help you budget for the home types in each.
ʻAiea, Pearl City, Salt Lake and ʻEwa are nearby communities families often compare, with very different price points and commutes.
Kāneʻohe and Kailua are nearby communities families often compare. Let’s make sure the payment fits before you tour.
Your lender must confirm orders, qualifying income and occupancy timing. Closing dates aren’t guaranteed.
Candid photo of Larry (family, Navy, or around Oʻahu). Larry to provide.
I served 24 years in the U.S. Navy, so I know what a PCS move does to a family’s plans. Today I’m a Branch Leader with The Broker, working out of Ewa Beach, and I help veterans, military families and first-time buyers finance homes on Oʻahu.
Every week I put out a Housing Market Update on YouTube, breaking down what’s moving the market and what it means for Hawaiʻi buyers. My goal is simple: give you real talk, clear numbers and fast answers so you can make your next move with confidence.
24-year career
The Broker, Ewa Beach
Housing Market Update
[Client first name, initial] · [VA buyer / refinance] · [Source: Google]
[Client first name, initial] · [PCS move] · [Source: Google]
[Client first name, initial] · [First-time buyer] · [Source: Zillow]
Short weekly videos on the market, VA loans and buying on Oʻahu.
[One-sentence summary of the video.]
[One-sentence summary of the video.]
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Send me a few details and I’ll reach out to talk through your options, whether you’re buying, refinancing or PCSing to Oʻahu.
Rather call? (808) 348-5287 [PLACEHOLDER: confirm phone] · Book a time [PLACEHOLDER: booking link]
Submitting this form is not a loan application or a commitment to lend.