Hawaii Home Loans

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Getting a mortgage for your Hawaii home

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!

Hawaii mortgage rates and trends

National mortgage rates are on the rise due to the Federal Reserve (Fed) increasing the benchmark interest rate between 1.75 percent and 2 percent in June of 2018. This results in an increase in consumer borrowing costs to help keep the economy from overheating.

That said, Hawaii mortgage rates will typically follow the Fed interest rate trend, along with the rest of the country. But, many factors can impact mortgage rates including, debt-to-income ratio, credit scores, and more.

To get the best rate, talk with a mortgage consultant who’s not paid a commission. That way you know you’re getting a loan program that’s best for your personal needs. Let us guide you home through one of our many customizable Hawaii home mortgages, including FHA, VA, HARP, Conventional, USDA, and more.

Down payment assistance

Hawaii home buyers may qualify for down payment assistance. If you’re looking to purchase a Hawaii home, let us help you understand what options and grants* are available to you.

Be sure to ask about:

  • Chenoa

  • Dream Makers Grant

  • Forgivable and non-forgivable second mortgages

  • First-time home buyer incentives

  • Closing cost assistance

  • Tax credits

*Actual assistance amount 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.

Check with your mortgage consultant about funding today!

Refinancing your mortgage

  • Is your monthly mortgage payment or interest rate too high?

  • Do you have high-interest debt holding you back?

  • Do you want to be mortgage-free sooner?

If you answered yes to any of these questions, now is the time to schedule a free mortgage review with one of our Hawaii salary-based mortgage consultants. Learn about the benefits of mortgage refinancing, and you could be looking at up to $1,000 a month in savings. Plus, you don’t have to reset your loan term. You may even be able to shorten it!

Why American Financing?

We’re a national mortgage lender that’s dedicated to making homeownership affordable. Competitive mortgage rates and no upfront fees are just the beginning. Our salary-based mortgage consultants work hard to customize the right loan program for your financial goals. We're able to complete most of the lending process online, creating an even faster experience for you.

We try to make it memorable, too. After all, this is not just a transaction. We’re always available to answer any mortgage-related questions after closing. We can also help with refinancing to a better rate or to get cash out. So, here’s to the start of a lifelong relationship!

Let’s build your home loan together

Call (800) 910-4055 to connect with a Hawaii mortgage consultant. We’ll customize any loan in the industry while offering the best service, lowest rates, and fastest closings. Let us show you how simple the mortgage refinancing or new home purchase process can be!

American Financing is an Equal Housing Lender; NMLS #182334 www.NMLSConsumerAccess.org; Licensed in 50 states.

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