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Finance Factors Expands Convenience and Ease for Customers

In keeping with company plans to expand our branch network into new market areas, Finance Factors is now offering its financial products and services in three new Oahu locations: Liliha, Manoa, and Chinatown.

Our Liliha Branch, located at the corner of Liliha and Kuakini Streets, and our Manoa Branch in the newly completed Finance Factors Manoa Center on East Manoa Road, each offer location convenience and branch-front parking. Larger than our typical branches, the Liliha and Manoa branches feature plasma screen televisions, coffee and lounge areas, and safe deposit boxes. Because our safe deposit boxes feature the latest in biometric PassVault™ hand recognition technology, you may access your safe deposit box in private and without the assistance of staff personnel.

Our Chinatown Branch, located at the corner of North King and Maunakea Streets, offers early morning openings (7:30 am, Monday through Friday) and Chinese-speaking staff to serve the needs of area residents, workers and shoppers. Our three new branches expand our branch network to 14 locations throughout the State of Hawaii.

Also at Finance Factors, getting a mortgage loan to purchase, refinance or tap into your home’s equity is as easy as E-Z Express, our state-of-the-art online mortgage loan application. E-Z Express, available at www.financefactors.com, is fully integrated with the latest automated underwriting technology. Similar to popular online tax preparation services, E-Z Express is a dynamic application that adjusts based on your specific situation and the type of loan for which you are applying. Its “smart” technology only asks for pertinent information and provides helpful and relevant information at your fingertips. For most applicants, an online approval is just minutes away.

Even if you’re not ready to apply, you’ll want to access www.financefactors.com for its great financial tools and to start considering the options available for your unique loan needs. Visitors to our Finance Factors website can get rate quotes, learn more about mortgage loans from our online resources (including a complete glossary of financial terminology), and sign up for Rate Watch to be notified via email when a target mortgage rate is available.

Another valuable website feature is our handy self-help “calculators” that are designed to help you select the type of mortgage that’s best for you. Find the answers to “How much would my monthly payment be?”, “How much can I save with a 15-year mortgage?”, “Can I save money by refinancing now?”, and many other questions using this website feature. And of course, loan officers are always available to answer any questions you might have.

True to our mission, Finance Factors will continue to strive to maintain our success by focusing on the needs of our customers.

As always, please email us or call us on Oahu at 522-2000 or toll free at 1-800-648-7136 with your questions and comments.

With warmest regards,

For more information about Finance Factors, we invite you to view our Statement of Financial Condition as of December 31, 2008.