**American Mortgage and Insurance Inc., dba NoCostVALoans.com, is an equal opportunity lender licensed by the Hawaii Dept of Financial Institutions. The 2.50% APR is based on an applicant exempt from paying the VA Funding Fee and is credit qualified, including a 780 or higher FICO credit score. Mortgage rates are subject to change without notice. Unless an approved applicant receives an official loan estimate along with a rate lock commitment then the 2.50% APR rate is not guaranteed. “No Cost VA Loans” reserves the right to cancel this offer at any time. Final offer subject to market conditions and underwriting approval.