About Jennifer Coutts

HomeBridge Mortgage Loan Originator in Honolulu, Hawaii
Jennifer Coutts (NMLS #355313) is a Mortgage Loan Originator for HomeBridge offices on Oahu, Big Island, Maui and Kauai.
She has 20 years of experience in the mortgage industry. She has worked as a Branch Manager/Mortgage Loan Originator at Prospect Mortgage, IndyMac Bank and Charter Funding. She has a Bachelor of Arts in Political Science from Cal Poly San Luis Obispo. Born and raised in Modesto, California, Jennifer moved to Hawaii in 1991 and currently resides in Hawaii Kai with her husband Andrew and dog-son Brody.
“I love helping people achieve their homeownership goals and providing the best financing option for their situation; structuring the loan and working with numbers, and meeting new people,” Jennifer said. “It’s an honor to help someone become a homeowner. I enjoy working as a team as well.”

Contact Jennifer Coutts Anytime

Feel free to contact Jennifer anytime by phone or email for personalized service and expert advice. Jennifer Coutts will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Jennifer Coutts is 203(k) Renovation Lending Certified

Jennifer is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Jennifer Coutts values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Jennifer by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.

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