About HomeLoanHawaii.com
Home Loan Hawaii dotcom is becoming the #1 source for Hawaii home loans, and home mortgage loan refinancing. We have a ton of lenders and one of Oahu’s top mortgage loan officers at our disposal, which allows us to provide the best home loan programs for your unique situation. Some of our valued clients have been matched with home loan programs that most banks couldn’t provide.
Everything You Expect from a Hawaii Home Loan Company
Financing a home can sound complicated and stressful but it does not have to be, we’re here to help you through the process.
Conventional Loans
Conventional loans are typically fixed term and fixed rate home loans. Down payments can be as low as 3% but are often at 5-10% required down. This is a great Hawaii home loan for first time home buyers and second-time homeowners.
Investment Property Loans
If you are looking to buy an investment property in Hawaii, we have relationships with some of the best lenders in the state. If you have 20% to put down and are ready to find the investment property that fits your portfolio, we can help you.
Commercial Loans
If you’re looking for a commercial mortgage loan in the Honolulu or Oahu Hawaii areas, we have options available for you. Fill out an application today to see if you qualify for a commercial mortgage loan.
Fill out the form below to see what you can afford to buy
What Our Customers Say We really appreciate all of your reviews, thank you so much!
Our Loan Resources Looking for more information on Hawaii Loans? We have plenty of resources and experts who can help you along your home purchasing journey.
Your Choice For Hawaii Mortgage Loans We will find the right loan product for you!
Whether you are in need of home loan refinancing, or looking to make that important leap into the housing market, homeloanhawaii.com is the best choice with the most loans and loan programs that fit all types of clients. If you have impaired credit or a recent bankruptcy, there is a good chance that you can still get a home loan with us. We specialize in sub-prime mortgage loans! Click on Apply, and see just what homeloanhawaii.com can do for you. You may be moments away from a home loan pre-qualification that you didn’t think was possible.
Hawaii FHA & Conventional Loans We put together this easy Moving and Packing Tips.
Hawaii home loans both FHA loans and conventional are available to all Hawaiian residents and natives who qualify. No matter what your credit score, military background or housing status, there’s a loan opportunity for you.
When buying your first home or looking to refinance your current property, you need rates and lending terms that meet your expectations. That is why at Home Loan Hawaii, our mortgage experts are prepared to find you the perfect loan and lender for your home buying needs.
Gift Of Equity Purchase Helping you and your family transfer your home with ease.
Do you live in Hawaii and want to sell your home to a family member? If so, a gift of equity loan may be the best home loan option for you and your family. A gift of equity loan allows you to gift 20% of your owned equity in your home. This means that 80% of your homes remaining appraised value can be fully financed by your family member. Oppose to paying the standard 20% down payment for their purchase of your home, your family member can have the closing costs and all remaining fees rolled into their home loan. This is a great option for grandparents or parents who are looking to help their kids get a headstart in their adult life.
VA Home Loans In Hawaii Serving our active duty and veteran military service members.
Are you an active duty service member or a United States veteran? If you are looking to purchase a home and have prior military experience you may qualify for a VA loan. A VA home loan can be used for the purchase of your home, refinancing your house, and interest rate reductions.
There are certain fees associated with VA loans. For example, the VA requires a VA approved appraiser to look at the home prior to backing your loan and also has a required funding fee you’re responsible for. However, these fees pale in comparison to the traditional 20% down payment.
With a VA loan, you are not required to purchase private mortgage insurance if paying less than a 20% down payment on your home and you can even qualify for as low as 3% down.
To find out more about how to qualify for the VA backed home loan, contact us today by filling out the above form or calling us at (808) 650-5956.
Hawaii First Time Home Buyer Helping first time home buyers purchase their first home!
Are you a first time home buyer looking to purchase your first property in the state of Hawaii? There are a lot of wonderful options available for first time home buyers. One of the great incentives of purchasing your first home is a tax incentive called the mortgage credit certificate (MCC). This incentive offered by the IRS and the state of Hawaii allows you to save money on your federal taxes for purchasing your first home.
If you’re interested in purchasing your first home, we want to help you. Ask us about the qualifying lenders who offer the MCC and how you can save big on your new home!
Why Choose Our Mortgage Specialist for Your Hawaii Home Loan?
Home Loan Hawaii has been working in the Hawaiian mortgage industry for ove
r 10 years. With experience in FHA, VA, conventional, commercial mortgage, and investment property loans, we know how to get you approved for the best rates and terms in Hawaii.
If you are new to the Honolulu or Oahu area and you are looking to buy your first home, you’ve picked the best place to start your property search. Buying a home is not only a very exciting experience, it is also a great time for financial growth and learning. Buying your first or second home will not only give you a new place to create memories and raise your family, it will also grow your net worth.
How a Hawaii Home Loan Can Increase Your Net Worth
It’s no secret that the Hawaii real estate market is booming. Over the last 32 years, Oahu real estate has appreciated 4.7%-5% year after year and has no signs of stopping. This means that there is a very good chance that your new home will continue to appreciate year over year.
There is definitely no guarantee that your home or any home will appreciate in value annually, but if history and current market trends teach us anything, buying a home in Hawaii might be your greatest financial decision.
In addition to the investment potential offered through home appreciation, you may also receive an additional tax credit at the end of the year for buying your new home. The MCC or Mortgage Credit Certificate offered by the state of Hawaii is a federal tax credit issued by the Hawaii Housing Finance and Development Corporation to eligible homebuyers to incentivize purchasing a new home.
How To Know What Hawaii Home Loan Is Best For You
The first step in getting you approved for a loan is having you apply for a quote. When you apply for a quote above we will be able to gather baseline information to start the process. From there we will set an appointment with you to learn more about the type of home or investment property you are looking to purchase.
Once we have gathered enough information about the type of home you are looking for, your budget, your financial history, income to debt ratio, and your FICO score, we will then be able to look at what Hawaii home loans you are eligible for.
After we determine your eligibility for a Hawaii home loan, we can then look at what lenders are able to fund your mortgage at the best interests rates that meet your budget. The terms and rates offered by our lenders will be based on your financial history, the property itself, and the down payment you are willing to put down.
With typical conventional loans, any down payment lower than 20% will require that you purchase private mortgage insurance (PMI). This type of additional monthly cost to your mortgage or upfront cost is another factor in your loan approval that you will need to consider.
Finding The Best Hawaii Mortgage Rates
If you are ready to start searching for a new property and want the best Hawaii mortgage rates available, apply for a quote today by filling out the contact form above. One of our Home Loan Hawaii mortgage specialists will reach out to you as soon as we’ve had a chance to review your application.