Capital Home Mortgage Hawaii

Hawaii Home Loans
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Hawaii Mortgage Lender

Home Loans in Hawaii

Welcome to Capital Home Mortgage Hawaii, where we strive to provide Hawaii Home Loans to Hawaii homebuyers and homeowners at competitive rates and fees while providing great service.

First and foremost, we’d like to thank you for the opportunity to earn your business.  We understand that acquiring a house is the most important decision of most people’s life, which is why Capital house Mortgage Hawaii offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be fun rather than stressful.

Capital Home Mortgage Hawaii, as a direct Hawaii mortgage lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage Hawaii is a full-service Hawaii mortgage lender that offers a comprehensive range of mortgage products as well as competitive Hawaii Mortgage Rates.   Whether you are a first-time purchaser seeking a Hawaii FHA Home Loan, looking for a rural property and needing a Hawaii USDA Home Loan, a Native Hawaiian wanting to use the HUD 184A  Hawaii Native American Home Loan, a active or retired veteran in need of an Hawaii VA Home Loan, or a seasoned buyer in need of an Hawaii Conventional Home Loan, we are here to help.   

Call today (808) 460-4266 to speak with our Hawaii Loan Officers.

Hawaii is located in the central Pacific Ocean and consists of 137 islands. The main islands are Oahu, Maui, Hawaii (Big Island), Kauai, Molokai, Lanai, Niihau, and Kahoolawe.  The capital city of Hawaii is Honolulu, which is situated on the island of Oahu.

Hawaii is known for its rich cultural heritage, influenced by Native Hawaiian traditions, Asian and Polynesian cultures, The population is diverse, with a significant mix of Asian, Pacific Islander, and Caucasian ethnicities.

Hawaii’s economy relies heavily on tourism, agriculture, and the military.  Tourism is a major industry, attracting visitors from around the world to enjoy the state’s natural beauty and cultural attractions.

Hawaii is famous for its beautiful beaches, lush landscapes, volcanoes, and unique marine life.  Popular attractions include Waikiki Beach, Pearl Harbor, Haleakala National Park, and the Hawaii Volcanoes National Park.

Hawaii’s real estate market is unique due to its island location, natural beauty, and high demand for properties.  As a popular destination for both tourists and individuals seeking a tropical lifestyle leads to a competitive real estate market.

Each Hawaiian island has its own distinct character, attracting different types of buyers.  Oahu, with Honolulu as its hub, is more urban and has a busy real estate market.  Maui is known for its resorts and scenic beauty.  The Big Island offers diverse climates and landscapes, while Kauai is known for its lush greenery.

Hawaii’s real estate market includes a significant luxury segment, with high-end properties often attracting buyers from around the world.  Oceanfront homes, luxury condos, and exclusive estates are common in the market.

Again, due to its popularity as a tourist destination, many property owners in Hawaii engage in vacation rentals.  However, regulations around vacation rentals have been a topic of discussion and may impact the market.

The overall supply of available properties can be limited, contributing to higher property values.  This scarcity is especially notable in sought-after locations.

Thank you again for allowing us to help you with your Hawaii Home Loan.

Hawaii Home Loans

Hawaii Conventional Home Loans

Hawaii Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Hawaii FHA Home Loans

Hawaii FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Hawaii FHA home loan is consistent employment history and documented income.

Hawaii VA Home Loans

Hawaii VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Hawaii.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Hawaii USDA Home Loans

Hawaii USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Hawaii Jumbo Home Loans

A Hawaii Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Hawaii Non QM Home Loans

Hawaii Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Hawaii Native american Home Loans

A Hawaii Native American Mortgage, also known as a HUD 184A Home Loan, is a government mortgage loan specifically for registered Hawaii Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Hawaii One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Hawaii One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Hawaii HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Hawaii Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Hawaii Mortgage Programs

Hawaii Home Purchase loans

Looking to Purchase a Hawaii Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Hawaii Renovation Home Loans

Looking to Rehab a Hawaii Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Hawaii FHA Home loans

Great 1st Time Hawaii Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Hawaii va Home Loans

100% Financing for Hawaii Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Hawaii Conventional Home loans

Flexibility for Hawaii Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Hawaii Jumbo Home Loans

Hawaii Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Hawaii USDA Home loans

100% Hawaii Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Hawaii Native american Home Loans

Hawaii Hud 184A Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Hawaii Manufactured Home loans

Great Alternative Hawaii Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Hawaii Reverse Mortgage Loans

Your Hawaii Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Hawaii Non QM Home loans

Making Hawaii Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Hawaii One Time Close Home Loans

Build Your Hawaii Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Hawaii Refinance Mortgage loans

Hawaii Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Hawaii Cashout Mortgage Loans

Hawaii Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Hawaii Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Hawaii Mortgage Company Reviews

Hawaii Cities

Honolulu Home Loans

Hilo Home Loans

Pearl City Home Loans

State Specific Mortgage Information
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