From the islands to the mainland, our experienced Hawaii mortgage brokers help you secure the right mortgage with clarity, speed, and care every step of the way.
From buying your first home to building a real estate portfolio, we have loan options that fit.
Explore low down payment options, $0-down VA loans*, and custom loan programs. *See disclosure below.
Lower your rate, change your term, or tap into your equity.
Use your home’s equity as a flexible line of credit when you need it.
Commercial and investment property financing for growing your real estate portfolio.
You’ll see estimated monthly payments, closing costs, and total cost over time before you apply.
We break down the numbers so you can pick the option that fits your budget and your plans.
Explore flexible terms, diverse rate structures, and customized down payment options. See what works best for your financial goals.
Speak with the top loan officers in Hawaii who will understand your mortgage goals.
We know Hawaii’s housing market and its unique land laws.
Licensed in Hawaii, California, Colorado, Florida, Nevada, Texas, Virginia, and Washington.
Get an itemized estimate up front, a clear timeline with key dates, and one point of contact.
A local broker founded in Honolulu, HI serving locals since 2014. Most of our business comes from referrals and repeat clients.
Avoid getting stuck with limited options. Choose from low down payment programs and fixed or variable rates.
We help business owners and Veterans secure flexible financing with guidance from loan officers who’ve proudly served.
Whether you're a veteran, a first-time homebuyer, or refinancing, we'll help you find the program that best fits your goals.
Submit your information and get prequalified within 24-48 hours. We'll review your financials and show you what you qualify for.
Review loan options side by side with your advisor. Pick the rate, term, and payment that fit your budget and timeline.
Sign your documents and close on your new loan, with updates from your loan team at every step.
Hawaii real estate follows its own rules. From time zones and recording cutoffs to unique land title and escrow procedures, the Hawaii lending process is unique. Mainland lenders unfamiliar with these details can cause funding delays, missed recording deadlines, or even last-minute loan denials. Working with a local Hawaii lender means your loan is handled by local mortgage experts.
Not at all. Many of our clients live on the mainland or overseas but are purchasing or refinancing property in Hawaii. Our secure digital platform makes it easy to apply, upload documents, and close on time. No matter where you are in the world, you can get qualified and close your mortgage all remotely.
Yes! We work with many business owners and offer flexible income documentation options that go beyond traditional tax returns. Whether you use bank statements, CPA-prepared financials, DSCR loans, or other income methods, we’ll help structure a loan that fits your financial profile.
Many loans close in about 21–30 days, depending on the loan program, property, and how quickly documents are provided. Timelines are not guaranteed.
Not at all. We offer a variety of flexible, low down payment options for conventional and first-time homebuyer loans, as well as zero-down payment programs for VA and USDA eligible borrowers.
$0 down payment available to eligible VA and USDA borrowers; closing costs, fees, and a VA funding fee or USDA guarantee fee may apply. USDA loans require an eligible property location and are subject to income limits. Loans are subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify.
Many loans close in about 21–30 days, depending on the loan program, property, and how quickly documents are provided. Timelines are not guaranteed. Our team keeps you updated at every step.
Yes, and some of our loan officers are Veterans themselves. We know the VA loan process inside and out and are committed to helping you make the most of your benefits. Because we work with multiple lenders, we compare options to help you find competitive rates and terms tailored to your financial goals.
VA Loan Disclosure: $0 down payment option available for qualified Veterans, Active Duty service members, and eligible Reservists with a valid Certificate of Eligibility (COE). $0 down payment does not mean $0 due at closing; closing costs, escrow, and a VA Funding Fee may apply and can be financed into the loan. Representative Example: A $400,000 30-year fixed-rate VA loan with $0 down at an interest rate of 6.250% (6.520% APR) results in 360 monthly principal and interest payments of $2,462.86. Payment amount does not include taxes, property insurance, or HOA dues; actual payment obligation will be higher. Rates and terms subject to change. Kama'aina Mortgage Group Inc. is an independent mortgage broker and is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
500 Ala Moana Blvd., Suite 7400, Honolulu, HI 96813
Licensed in CA, CO, HI, FL, NV, TX, VA, and WA
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