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Payment Estimator
| Total: | $2,400,000 | 20% Down: | $480,000 | Financing: | $1,920,000 |
30 Yr Fixed*
6.26 %
(6.26% APR)
$11,834 / month | 15 Yr Fixed*
5.59 %
(5.59% APR)
$15,780 / month | 5/1 ARM*
6.67 %
(6.98% APR)
$12,351 / month |
*Rates for October 2025. Information displayed is accurate as of the date of the latest update and is subject to change without notice. Loan pricing can only be locked through a home mortgage consultant. Other restrictions may apply. The Rate/APR and other terms may vary from those displayed based on the creditworthiness of the borrower, the type of dwelling, whether the borrower is self-employed, the location of the property and other factors. Please contact a lender in your area to determine what rates you qualify for.
**Rates calculated from national averages. To determine rates in your area please contact your local lender.
As a mother, surfer, runner, ocean lover and sourdough baker, I value a life rooted in balance, movement, and connection. For me, a home is more than just a structure — it’s a place of grounding, growth, and belonging. A real estate investor myself, I’ve experienced firsthand how property ownership can create lasting financial freedom — something I’m deeply passionate about helping others achieve. Whether you’re looking for your first home, an investment property, or a space that reflects your lifestyle, I’m here to help guide you with care and clarity. With a background in sales representing Volcom and various surf brands, I bring years of relationship-building and local market knowledge to my real estate practice on O?ahu.
Sherine Duncan
Born into real estate and property management, Sherine started working for a real estate appraiser at age 18 then on to starting her own mortgage company in her 20's. She has bought and managed many investment properties, developed land and built two of her own custom homes.
In 2006, after 20 years in the mortgage business, she began working in the title and escrow industry for Fidelity National Title. She worked in sales and marketing helping real estate agents with products and services to enhance their business which eventually led to her position as Sales Manager for the state of Hawaii. She was able to spend time on all Hawaiian islands and understands how Hawaii real estate thrives throughout the state.
Sherine was born and raised in California, but is forever home in Kailua. With her love of family and ocean, she resides near the beach with her daughter, son-in-law and twin grand-daughters who live in the back Ohana. Yappy Hours and music events are a regular event on the property with friends and clients mingling along with their pups for pupus and wine.