2025
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LicensingUser ReviewsMystery Shopping CallsOur goal is to connect people with the best local professionals. We scored Honolulu mortgage refinance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
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Gentry HomeLoans serves homeowners and homebuyers in Honolulu. The mortgage broker offers a broad range of home loans for different needs, including jumbo, FHA, USDA, VA, conforming, and home equity loans. Its loan officers help homeowners secure a line of credit against their existing property's equity. MCC loans for first-time home purchasers are also available. As a mortgage broker, Gentry HomeLoans has access to a wide selection of borrower programs from its network of lending establishments, giving clients more options to choose from.
Pacific Rim Mortgage is a locally owned and operated home loan service that serves the residents of Honolulu and the surrounding areas. It provides a variety of mortgage refinancing options, including FHA Streamline, VA IRRRL, and cash-out solutions. It also offers home purchase loans such as VA, FHA, USDA, and conventional loans. Pacific Rim Mortgage has been in operation for almost two decades. The company has received recognitions from Mortgage Professional America, Honolulu Star-Advertiser, and HONOLULU Magazine.
Aloha Lending Services is a full-service and family-owned mortgage refinancing firm serving Honolulu. The local firm has access to multiple financial institutions and can help individuals find the refinancing program that suits their needs best. Whether the clients are looking to lower their current rate and payment or needing to obtain cash for home improvement, the team provides guidance every step of the way. In addition, Aloha Lending Services offers a special mortgage manager service to make the refinancing process easy.
Island Lending Hawaii, LLC, helps individuals find solutions to refinancing needs concerning real estate. It assists homeowners and potential homebuyers in Honolulu. With a commitment to render tailor-fit services, its professionals provide an understanding of the mortgage process from loan inception to closing by remaining in correspondence with its clients. Island Lending Hawaii offers the VA Home Loan Guaranty Program, which is the only original GI Bill provision that remains in force for the benefit of war veterans.
Hawaii Mortgage Experts, LLC, serves clients in the Honolulu area. Its team helps homeowners with refinancing their home loans so that they get lower interest rates and reduced monthly payments. The company also helps secure mortgages for property buyers, along with providing a range of loan options, like VA, JUMBO, FHA, and USDA. In addition, it lends money to people who need to renovate their homes. The company's consultants have decades of combined experience in the mortgage business.
Smart Money Inc. is a full-service mortgage company serving Honolulu residents and nearby communities. The locally-owned and locally-operated firm delivers a variety of refinance options to help clients lower interest rates and monthly payments. These include fixed-rate mortgages, cashout loans, and graduate payment programs. Its mortgage specialists also represent lenders that can offer refinancing loans for FHA, VA, USDA, conventional, and jumbo mortgages. Smart Money employs a culturally diverse workforce, allowing them to accommodate a variety of local and foreign customers.
Ohana Mortgage Network is a company serving Honolulu and its surrounding communities. It assists with the application process for different loan programs such as VA, FHA, hybrid ARM, fixed-rate, and graduated payment mortgages. Whether clients are purchasing or refinancing a property, its team of professionals discusses the options with them and helps with the calculations involving interests, points, and tax benefits. The firm's branch manager, Aimee Heers, is available 24/7 to communicate with clients via email, text, or phone.
Acclaim Capital Mortgage is a brokerage that serves clients in Honolulu. It provides a variety of loan programs, such as rural home, FHA, conforming and non-conforming, VA, and jumbo loans. Its team works with Hawaii and mainland lenders to help seniors with reverse mortgages. It also assists homeowners in refinancing their existing mortgages. Its staff members provide guidance during the loan process, beginning with initial inquiry and application to loan funding and closing. The company has over 30 years of experience.
Legacy Mortgage provides financing solutions to property buyers in the Honolulu metro. The firm helps clients in buying homes, cashing out home equities, and refinancing mortgages. Its professionals guide in selecting from a variety of loan programs, including conventional, FHA, VA, and USDA Rural loans. They also order an appraisal of client-selected homes, assist in each step of the loan process, from initial discussion to funding, and coordinate with the escrow company.
(10)Kelly Westmoreland is a broker of Hawaii Mortgage Experts, LLC who provides refinancing options in the Honolulu metro. This professional helps clients obtain the loans that they need including VA, FHA, Jumbo, USDA, and other conventional loans. With mortgage refinancing, Westmoreland aims to reduce a client's loan interest rate and pay off their existing mortgage with one that has better terms. Together with the company, she also removes client constraints of working only with a single bank.
Veterans United Home Loans of Hawaii serves clients in Honolulu and the surrounding areas. It provides mortgage refinancing services to cater to the homebuying needs of military families and veterans. It offers different types of VA loans, including VA purchase loans, IRRRL, cash-out refinance, and energy-efficient mortgages. Its team has over 100 years of experience in the industry. The company has been featured in various media outlets, such as Military Times, USA Today, The New York Times, and CBS News.
A-Frame Mortgage LLC addresses the needs of clients in Honolulu and its neighboring areas. The firm caters to individuals looking to refinance their mortgage loans or purchase a home. It offers a wide selection of refinancing programs, such as fixed- and adjustable-rate mortgages, FHA cashout, and HELOC. Its mortgage refinance solutions cover single and multi-family residences, townhouses, manufactured homes, and condominiums. The company also provides various loan programs, including USDA, VA, conventional, and jumbo loans.
Mann Mortgage is a family-owned mortgage brokerage firm that provides refinancing services to clients in Honolulu. The firm employs loan officers who help clients lessen their monthly payments, obtain cash from their home equity, and shorten the term of their current mortgages through refinancing. They assist homeowners in reviewing existing mortgage plans and obtaining the right refinancing option akin to their needs. Some of the programs they offer include fixed-rate, adjustable-rate, and cashout refinance. The company has been in the mortgage business since 1989.
Pacific Horizon Lending is a full-service mortgage broker in Honolulu that serves residents and homebuyers in the local area and other locations throughout Hawaii. The broker works with multiple financial institutions to provide clients with various mortgage loan programs, including conventional loans, FHA loans, VA loans, and jumbo loans. Its professionals also handle real estate purchases, refinancing, and investment loans. Noe Yoshino, the principal broker of Pacific Horizon Lending, has more than 16 years of industry experience.
NEXA Mortgage provides services to clients in Honolulu and the surrounding areas. It assists individuals who wish to apply for mortgage refinancing solutions to reduce their rates, change their terms, and cash out their equity. Its team follows a home refinancing process involving comparing mortgage rates and terms and completing refinance analysis requests. The company offers a wide range of mortgage loan options, including FHA, USDA, VA, and jumbo. It handles reverse mortgage options for clients age 62 years old and older.
Ian Ho is a Honolulu-based mortgage loan originator for Infinite Financial LLC, an independent mortgage brokerage company. He helps first-time homebuyers, returning buyers, seasoned buyers, and Realtors who are looking to secure their most applicable mortgage option. As his company works with many different local and national lenders, he offers a wide selection of loan types, including conventional, VA, FHA, USDA, and jumbo loans. He also helps clients who need to refinance their existing mortgage to reduce their interest rate or remove PMI.
Infinite Financial assists homeowners in the Honolulu metro. It provides mortgage refinancing with the objective of aiding its clients in lowering monthly costs. The company also offers FHA and VA loans. Its founder, Duncan Hsia, established Infinite Financial to provide a selection of tailor-fit solutions for clients, after having worked for lenders that offer a limited number of options. Hsia leverages his financial background by working with local and national mortgage lending businesses.
Yes, your VA loan be assumed by another veteran. Selling your property and transferring your VA loan to another veteran may entitle you to fully have your entire loan benefit restored to purchase a new home in Honolulu. By taking over your VA loan, the buyer may avoid the hassle and expense of filing for a new mortgage and just take over your existing mortgage payments.
The elapsed time period before a mortgage in Honolulu may be refinanced is contingent on the type of mortgage, the purpose for refinancing, and the lending institution's policies. Most conventional and jumbo loans can be refinanced anytime unless the lender has specific requirements imposed. Streamlined and cash-out FHA refinances have seven- and 12-month waiting periods, respectively. VA refinancing applicants must hold their loan for 210 days or six mortgage payments, whichever comes first, and USDA refinances are all-inclusive after 12 months.
Loan lending limits in Honolulu differ depending on the number of units being purchased by the borrower. Conventional and VA loan limits increase from $1,089,300 for single-family homes to $2,095,200 for multi-family properties. For FHA loan limits, one-unit properties at $770,500, two-unit properties at $986,400, three-unit properties at $1,192,300, and four-unit properties at $1,481,750. The USDA credit ceiling, on the other hand, is $725,000.
FHA loans are accessible to first-time homebuyers with a credit score of 580 or higher in Honolulu with a minimum down payment of 3.5%. Employment and a steady income over the last two years are other prerequisites. You must also prove that you will occupy the property as your primary residence. In addition, if your credit score is 620 or above, you may utilize gift money to cover a down payment.
Loan amounts for fixed or adjustable-rate mortgage programs greater than $1,089,300 are considered jumbo loans in Honolulu. It can cover all the financing for high-value real estate purchases to a maximum of $3,000,000. In addition, super jumbo loans are accessible, which may be obtained for the purchase of real estate with a value of up to $20,000,000,000.
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