Self Employed Professionals

Get Approved for a Mortgage Without the Tax Return Headache

Retail Bank Guidelines Are the Least Flexible for Self-Employed Mortgages

Traditional banks don't understand tax write-offs.

They look at your net income on paper instead of the real cash flowing through your business, making a standard mortgage approval nearly impossible.

You feel penalized for being a business owner.

Jumping through endless hoops to prove your income is exhausting, takes time away from your business, and discouraging.

Building a business shouldn't keep you from owning a home.

You've worked hard to create a successful company. It's fundamentally wrong that traditional lending guidelines treat your hard work as a financial risk.

Mortgage Solutions Built Specifically for Business Owners

Business-First Strategy

We skip the rigid, automated corporate screening and review your files with real underwriting expertise that values your business's true health.

Local expertise

We understand the unique real estate dynamics of your specific market and match you with flexible lending guidelines built for regional business owners.

No W-2 Required

Forget digging up endless corporate tax returns. We qualify you using 12 to 24 months of simple bank statements and real cash flow

Custom Lending Network

We connect you directly with a specialized network of lenders experienced in approving self-employed buyers in your area

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What Our Clients Say

Rylan Maddox and his Associate Kira were very responsive and exceptional with me during our 8 wk VA

Katherine A.

Honolulu, HI

John and his whole team is "top notch", they fight for you until the job is done. John never gave up and kept on smiling through the tough of it.

Fred V.

Honolulu, HI

We used Hi Five Team Loans by Kama'aina Mortgage Group and specifically Preston Sims and Kira

Cat F.

Honolulu, HI

The people at Kama'aina Mortgage Group have been really wonderful to my wife and I. They are really

Garrett B.

Honolulu, HI

Brian Bender and his team were the best mortgage broker I have ever had.

Mai L.

Honolulu, HI

John Keifer was excellent to work with. Our purchase transaction was seamless and timely.

Stephanie H.

Honolulu, HI

I was purchasing my first home remotely and Brian Hirono was exceptional to work with.

Carina S.

Honolulu, HI

Mortgages Structured Around Your Business Revenue

We look past the rigid rules of traditional retail banks to find the exact loan program that matches how you actually make money.

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Move Beyond The Rigid Limits of Traditional Banks

You have more options than you've been told. Explore our flexible lending pathways designed to match the true momentum and cash flow of your business.

program type

Full-doc conventional
Bank statement program
DSCR loan

Documentation method

2 years of tax returns
12–24 months of business or personal bank statements
Rental income from investment property

Typical down payment

*5-20%
10–25%
20–25%

Key advantage

Strong rates for stable businesses
Qualify based on verifiable bank deposits, not net paper income
Approval based on property cash flow
*Down payments under 20% require private mortgage insurance (PMI).

Getting Started is Simple

Broken down into 3 steps:

1. Connect

Chat with our dedicated self-employed lending specialists.

2. Upload

Securely send over your recent bank statements.

3. Approve

We review your true cash flow and map out your path to homeownership.

Fund Your Home with Your Business Success

Apply Now
Apply Now

VA home loans in Hawaii

VA loans make it possible for qualified veterans, active-duty service members, and surviving spouses to buy homes with no down payment. These loans are backed by the U.S. Department of Veterans Affairs and designed to make homeownership more attainable for those who’ve served.

Kama‘aina Mortgage Group Inc. helps borrowers across Hawaii take full advantage of their VA benefits by streamlining communication, managing documentation, and coordinating with lenders who specialize in VA financing.

Here’s how you know if this is the right option for you

VA loans are built for people who’ve served and want flexible, accessible financing. You may qualify if:

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You’re a veteran, active-duty service member, reservist, or surviving spouse.
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You want to use your VA entitlement for a new purchase or refinance.
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You prefer a program that offers low or no down payment with competitive rates.
Why choose our VA specialists

We work exclusively with VA-trained lenders who understand the program’s unique requirements and how to move approvals forward efficiently.

  • Direct access to VA-approved lenders familiar with Hawai‘i’s real estate market.
  • Assistance securing your Certificate of Eligibility (COE).
  • Review of funding-fee exemptions and entitlement usage.
  • Secure document collection and timely updates throughout your loan.
  • No consultation fees—your eligibility review is always complimentary.