Aloha! Did you know that Hawaii is consistently rated amongst the happiest states in the U.S.? Keep smiling, because not only is that true, the Hawaii housing market is also booming making it a great state to call home! Maybe you want to live large on Big Island or join the many islanders alongside the volcanoes and beaches of Maui. Or are you more of a cliff and canyon lover who would prefer to call Kauai home? No matter your choice, we’re here to help!
If you’re looking to buy a home in Hawaii, start your mortgage application now, and you can have a pre-approval letter in hand when you’re touring homes!
Already a Hawaii homeowner? We can also help with mortgage refinancing!
Mortgage rates and trends in Hawaii
Hawaii saw mortgage rates drop to historic lows in large part because of COVID-19. While rates are rising again, rates remain low by historical standards. Therefore, it's in your best interest to take advantage of a free mortgage review regardless of when you took out a mortgage to see if you could access a better rate. Lowering your rate could mean hundreds of dollars in monthly savings.
You will want to talk with one of our salary-based mortgage consultants who will put your needs first. We work hard to ensure you're getting a loan program that's customized for your personal goals. American Financing offers a number of Hawaii home mortgage options, including Conventional, VA, FHA, USDA, and more.
Down payment assistance
There are several down payment assistance programs Hawaii home buyers may qualify for. Let us assist you with understanding your options and what grants* may be available to you.
Be sure to ask about:
First-time home buyer incentives
Dream Makers Grant
Forgivable and non-forgivable second mortgages
Closing cost assistance
*Actual assistance may vary based on purchase city, credit score, and other financial requirements. Down payment assistance programs are at the city and/or state level, and they are not funded by American Financing. A homebuyer education course may need to be completed prior to applying.
Refinancing your mortgage
Do you have high-interest debt holding you back?
Is your monthly mortgage payment or interest rate too high?
Do you want to be mortgage-free sooner?
Well, now is the time to schedule a free mortgage review with one of our Hawaii mortgage consultants if you answered yes to any of these questions. Also, learn about the benefits of mortgage refinancing. Because you could be looking at up to $1,000 a month in savings when working with American Financing.
We can also help with refinancing to a better rate, lower your monthly mortgage payments or even get cash out. You can choose any loan term you need ten years and over! Our salary-based mortgage consultants are standing by to walk you through your options.
Why choose American Financing?
American Financing is dedicated to making homeownership accessible and affordable by offering competitive mortgage rates and no upfront fees. Our dedicated mortgage consultants work hard to get to know you first and then customize a loan program that meets your financial goals. As a national mortgage lender, we've streamlined the lending process by making it easy to complete online, making it faster and simpler for you.
Here at American Financing, we see you as more than just a loan which is why we try to make your experience special. We're always available to answer any mortgage-related questions, even after closing. So, here's to the start of a lifelong relationship!
Let’s build your home loan together
Call (866) 891-7910 to connect with a Hawaii mortgage consultant. We'll customize any loan in the industry while working hard to offer you the best service, get you the lowest rates and fastest closings. We'd love the opportunity to show you how simple the mortgage refinancing or new home purchase process can be!
Use our tool to search thousands of local first-time homebuyer classes by city, state, county, or even primary language spoken. Get contact information for each department all in one place and start your path to homeownership today!
Search for Classes in Your Area