Every type of home loan, one broker
Hawaii loan programs, shopped across 65+ lenders and banks
Buying your first home, tapping equity, financing a condo your bank turned down, or growing a rental portfolio: there is a wholesale program for it. Pick a guide below, or send me your scenario and I will tell you which one fits.
Buy a Home
First-Time Buyer3% down options, step by stepRead the guide →Down Payment AssistanceHale Kamaʻāina and other helpRead the guide →ConventionalPurchase and refinanceRead the guide →FHA3.5% down, flexible creditRead the guide →JumboAbove the Hawaii loan limitRead the guide →VA · $0 DownVeterans and military familiesRead the guide →USDA · Rural$0 down in eligible areasRead the guide →Construction & RenovationBuild or fix up, one closeRead the guide →LeaseholdLand-lease homes and condosRead the guide →Hawaiian Home LandsDHHL homestead leasesRead the guide →
Refinance & Equity
RefinanceLower your rate or termRead the guide →Cash-Out RefiTurn equity into cashRead the guide →VA IRRRLVA streamline refinanceRead the guide →HELOCKeep your first mortgage rateRead the guide →All-In-OneMortgage + checking sweepRead the guide →Reverse · 62+No monthly mortgage paymentRead the guide →
Investors & Self-Employed
DSCR · InvestorQualify on rental incomeRead the guide →Bank Statement12–24 months of depositsRead the guide →P&L OnlyCPA-prepared profit and lossRead the guide →Fix & FlipShort-term rehab loansRead the guide →ITINNo Social Security numberRead the guide →Foreign NationalBuying from outside the U.S.Read the guide →
Hawaii Condos
Non-Warrantable CondosBuildings banks turn downRead the guide →CondotelsWaikiki hotel-program unitsRead the guide →Leasehold CondosLand-lease buildingsRead the guide →Submit a BuildingFree same-day reviewRead the guide →
Got a tricky scenario?
Non-warrantable buildings, condotels, self-employed income, multiple properties, foreign buyers: the files banks turn down without explaining why. Send it to me for a free same-day review.
Written and reviewed by Richie TaylorHawaii mortgage broker · NMLS #1603145 · Kamaʻāina Mortgage Group Inc., NMLS #1276471Last updated October 8, 2026. Loan limits, program rules and guidelines change; figures reflect that date. Not a commitment to lend. More about Richie