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Thinking about using a VA loan in Hawaii but not sure if you’ll qualify? In this video, I team up with VA lender Tim O’leary to break down a VA Loan success story where a Hawaiian veteran family overcame bad credit, IRS debt, and zero savings and still bought a $1.4M home in Oahu using a VA loan. We cover everything: VA loan requirements in Hawaii, how to buy a home with bad credit, how the IRS Fresh Start Program can help, and what to expect when using VA disability benefits to reduce your property taxes. You'll also learn how to qualify for a VA home loan with high debt-to-income ratio, and what to do if you need to remove a spouse from the loan to get approved. Whether you're buying a home in Hawaii in 2025, curious about the VA loan process for first-time buyers, or just want the facts on how to get a VA loan in Hawaii with bad credit, this is your guide. Subscribe for more Oahu real estate & veteran home loan tips! -Cheers!!🥂 ------------ 👋CHAPTERS: 00:00-01:04 Introduction 01:05-04:59 Client Success Story: Mission Possible 05:00-08:59 How Seller Credits Helped Clear Debt 09:00-12:59 Final Loan Approval 13:00-14:44 VA Loans vs Conventional – Misconceptions 14:39-15:01 Conclusion ----- I have spent most of my life in Oahu and With years of experience in Oahu Hawaii Real Estate, I have closely monitored the Hawaii Real Estate Market trends and economic indicators that impact the Hawaii Housing Industry. I'll share my insights on the current state of the Hawaii Housing Market, as well as my recommendations for buyers looking to make a smart investment in Hawaii real estate. -Cheers!!🥂 ------- Topics Covered In This Video: VA loan Hawaii investment Buying a home in Hawaii with VA loan VA loan in Hawaii How to get a VA loan in Hawaii with bad credit VA loan requirements in Hawaii Buying a home in Hawaii with bad credit Oahu real estate for veterans VA loan for first-time buyers in Hawaii VA loan high debt-to-income ratio How to qualify for VA loan in 2025 VA loan process Hawaii Assumable VA loan Hawaii VA loan benefits in Hawaii Assumable mortgage Hawaii Buying a home in Hawaii with VA loan How to assume a VA loan in Hawaii ------- VA Loan With Bad Credit? How a Veteran Family Bought a $1.4M Home With Debt (2025 VA Loan Guide) #valoan #movingtohawaii #hawaiirealestate #valoans #valoans #veteranhomebuyer #hawaiirealestate #vahomeloanbadcredit #valoanentitlement #valoantips #pcstohawaii #oahurealestate #firsttimehomebuyer #hawaiihomes #hawaii #oahu #honolulu #realestate #honolulurealestate #livinginhawaii #oahuhomes #honoluluhawaii #centraloahu ------- 👇👇👇👇COMMENT DOWN BELOW 👇👇👇👇👇 --- 🚨 Check Out my NEW ONLINE COURSES 🚨 Homepage ------------------- Have questions? Feel free to reach out to me: 📱808-546-0228 | Call/Text 📧 Patrick@PatrickLongley.com 🌐 Homepage - Patrick Longley Realty ------------------- 💥Message me directly to see if we have any coupon codes available💥 💙 POPULAR PLAYLISTS 💙 First Time Home Buyer Tips - Hawai Real Estate - How To Turn Your Home Into A Rental Real Estate Investing Tips - Hawaii Vacation Rental Law {2019} | Bill 85 & 89 VA Loans - Hawaii VA Loan First Time Home Buyer {2019} | VA Home Loan Process Hawaii Real Estate Tips - Hawaii Real Estate Forecast 2019 - 5 Ways To See Trends In Hawaii Real Estate Market 💥 Follow me on Social Media 💥 → Instagram (Personal): Instagram (@patrick_longley) → Instagram (Business): Instagram (@patricklongleyrealty) → Facebook: Patrick Longley - Realtor | Kailua HI 📞 Book A Call With Me: Let's Talk Story ! - Patrick Longley 🐺JOIN MY TEAM: Learn About The Most Technologically Advanced Global Real Estate Group ------------------------------------------ Patrick Longley is turning the real estate industry upside down by integrating his 10+ years of experience in Online Marketing and technology to ensure you have a smooth systematic approach to purchasing or selling your home. His passion for consulting and education allows him to help first-time homebuyers as well as seasoned investors in making educated decisions. Patrick has earned a 5-star review from every client he has ever worked with and his hard work earned him to be one of the top 20 agents in his office for sales volume in 2022.