Paradise Home Mortgage

10/01/2026

🏆🏡 WHY WORK WITH PARADISE HOME MORTGAGE? 🌴

When it comes to something as important as your mortgage, experience, expertise, options and who you trust to guide you matter.

At Paradise Home Mortgage, we’re proud of the reputation we’ve built helping homebuyers, homeowners, Veterans and investors navigate their mortgage options with knowledgeable, personalized service in Hawaii, California, Colorado, Florida, and Texas. 🤝🏡

🏆 AWARD-WINNING EXPERIENCE & CREDENTIALS

📺 KHON Channel 2 News “Things2Know” Mortgage Expert

Our Head Broker & Owner, Jeff Grillion, was named the KHON2 “Things2Know” Mortgage Expert in 2018, helping educate Hawaii viewers about mortgages and home financing.

🦅🏆 TOP 60 IN THE NATION FOR VA LOANS

Jeff ranked among the Top 60 Loan Officers in the Nation for VA Loans in 2016 out of roughly 400,000 Loan Officers.

🥇 #1 FOR VA REFINANCES IN HAWAII

Jeff was ranked the #1 Loan Officer for VA Refinances in Hawaii in 2016. 🌺

📈 PACIFIC BUSINESS NEWS RECOGNITION

Paradise Home Mortgage has been recognized by Pacific Business News in its Fastest Growing Company rankings, including recognition as the #1 Fastest Growing Mortgage Company and #2 Fastest Growing Private Company. 🏆📊

⭐ 99% FIVE-STAR GOOGLE RATING

Our clients’ experiences mean everything to us. We’re proud that approximately 99% of our Google reviews are Five-Star reviews. ⭐⭐⭐⭐⭐

🏆 BEST OF THE BEST MORTGAGE BROKER RECOGNITION

Expertise.com has recognized Paradise Home Mortgage among the Best Mortgage Brokers in multiple markets across 3 states. 🏡🏅

🦅 MILITARY TRUSTED BUSINESS

We’re proud to have earned Military Trusted recognition as part of our continued commitment to serving Veterans, active-duty military members and military families. 🎖️🤝

🤝 BBB A+ RATED & ACCREDITED

Paradise Home Mortgage is an A+ Rated and Accredited Business with the Better Business Bureau.

🌴 WHY WORK WITH AN INDEPENDENT MORTGAGE BROKER?

We’re not tied to just one bank or one set of loan products. As an independent mortgage broker, we have access to wholesale lenders and a wide range of financing options to help find the right mortgage solution for each client’s individual situation. 🔎🏦

Our financing options include:

🏡 Conventional Home Loans
🦅 VA Home Loans & VA Refinancing
🏠 FHA Financing
💰 Cash-Out Refinancing
📈 Investment Property & DSCR Loans
🔑 Non-QM Financing
👴 Reverse Mortgages
…and more.

♾️ BROKER FOR LIFE GUARANTEE

We don’t want to help you with just one mortgage — our goal is to become your Broker for LIFE.

Qualifying past clients can have our processing fee waived on future mortgage transactions, because we believe the relationship should continue long after your loan closes. 🤝💙

📍 LICENSED IN 5 STATES

🌺 HAWAII
🌴 CALIFORNIA
🏔️ COLORADO
☀️ FLORIDA
⭐ TEXAS

Whether you’re looking to buy a home, refinance, access your home equity, purchase an investment property or explore your VA loan benefits, we’re here to help you understand your options. 🏡

🌴 Expert Guidance.
🏆 Award-Winning Experience.
💰 Competitive Options.
🤙 Ohana-Style Service.

📲 Ready to see what Paradise Home Mortgage can do for you?

Contact us today and discover why so many homeowners and Veterans have trusted Paradise Home Mortgage with their financing needs. 🏡💙

Call us direct today 808-461-3933
Jeff Grillion
Head Broker & Owner
NMLS #625159

Paradise Home Mortgage, LLC
NMLS #1714743

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09/30/2026

A 1/0 temporary buydown can reshape a homebuyer’s first-year cash flow, here’s how it actually works in practice: 🏡

If you’re weighing strategies to boost affordability on your next mortgage, understanding this buydown structure could help you transition into homeownership with extra breathing room. With a 1/0 temporary buydown, your first year’s payments are based on an interest rate that’s lowered for one year, then revert to the regular note rate for the rest of the loan term.

- Your permanent loan rate and payment stay the same long-term; only the first year’s payment is reduced.

- The lower first-year payment is funded upfront, often by a seller, builder, or lender, rather than changing your actual loan terms.

- A separate buydown account offsets the payment difference, but you must still qualify for the mortgage based on the permanent payment.

- The reduced first-year payment can help with early expenses like moving, furnishing, or minor repairs. 🛋️

- After year one, your monthly payment steps up to the full amount reflected in your loan note, so plan your budget accordingly. 📆

- This option is popular in transactions where the seller is motivated to offer credits, making the early payment drop especially helpful. 🤝

- Unlike permanent rate buydowns, a 1/0 structure gives short-term relief without committing to a larger upfront investment.

For many, this solution offers a practical edge during the move-in phase without long-term trade-offs.

Curious how a 1/0 buydown could fit your next home purchase? Save this checklist and share with someone planning a move!

NMLS #625159 / 1714743

09/29/2026

How $10,662 in savings could be hiding in ONE of your mortgage decisions 🏡

Choosing how you finance your home impacts way more than your monthly payment. Here’s what recent analysis of 2023 data revealed about independent mortgage brokers versus nonbank retail lenders:

- Borrowers using independent Mortgage Brokers saved an average of $10,662 over the life of their loan.

- Savings came from both lower upfront costs and lower interest rates.

- The average upfront cost: 115 basis points through brokers, versus 148 basis points with retail lenders.

- Average interest rates were Lower for brokered loans, compared to nonbank retail lenders.

- VA loan borrowers saved even more, about $13,432 per loan, by using the broker channel.

- VA rates averaged .14% Lower through brokers, versus with retail lenders.

- The lifetime savings reflect a combination of reduced upfront expenses and long-term interest cost.

Every loan scenario is unique, but numbers like these show why exploring your broker options matters. 💡

Would seeing these savings change how you approach your next home purchase or refinance? Drop your thoughts or save this post for later!

NMLS #625159 / 1714743

09/20/2026

5.0 star review received on Experience.com for Paradise Home Mortgage - Low Mortgage Rates by Gabrielle C - An amazing broker! Helped me every step of the way! I will definitely be using him in the future to refinance and will be recommending him to others!

Read more: https://experience.com/reviews/jeffrey-13393956/4ebe98aa-0871-4923-9953-b1288cb53c6a?V=1789884699&utm_source=facebook&utm_medium=autopost&utm_content=13660548

08/17/2026

5.0 star review received on Experience.com for Jeffrey Grillion-NMLS #625159 by Jaime F - The process went very smooth from beginning to end. Everything was explained in details.

Read more: https://experience.com/reviews/jeffrey-13393956/fc49deee-808e-4495-b80d-74756c947015?V=1786936150&utm_source=facebook&utm_medium=autopost&utm_content=13437240

07/15/2026

The 21st Century ROAD to Housing Act should deliver more affordable homes, but the changes may be slow in coming. I can help you explore today’s options with side-by-side loan comparisons and rate-reduction programs. I’m here to help when you’re ready. Paradise Home Mortgage, LLC is an Equal Housing Lender.

05/22/2026

As we remember those who lost their lives in service of our country this Holiday weekend, I wish for all of us a spirit of gratitude, honor and admiration. May we never forget the sacrifices made to secure our freedom. Have a safe Memorial Day Weekend and try to do something special to show your gratitude to a Veteran for their service.

05/08/2026

VA IRRRL Full Masterclass with our Head Broker Jeff Grillion.
Watch here:👉 https://youtu.be/UHSXiujZgqA 🎥

Everything there is to know about a VA IRRRL crammed into a quick informational session, including how to Save over $10k on VA Loans* (According to a Polygon Research Study and article in Forbes Magazine)
At Paradise Home Mortgage, we believe the VA IRRRL is the BEST Financial Benefit for our VETERANS. But Unfortunately there is a lot of Incorrect info on the program out there!

So our Head Broker, Jeff Grillion, who was named the Channel 2 Things2Know Mortgage Expert in 2018, put together a comprehensive VA IRRRL (Streamline Refinance) breakdown covering:
• What a VA IRRRL is
• How to Save over $10k on any VA Loan* (backed by a Polygon research study and article in Forbes Magazine)
• The Best Ways to Increase VA Loan Savings
• Potential Savings Calculation Scenarios
• Why Veterans Overpay on Their Mortgage
• Benefits of working with a Mortgage Broker vs a Bank

If you have questions, we’re here to help.

*Source1: National Mortgage Professional Research/Analysis
*Source2: Polygon research study
*Source3: Article in Forbes Magazine

Learn how the VA IRRRL works, How to Save Over $10k on VA Loans, wa...