Best Mortgage Refinance Companies in Honolulu

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A-Frame Mortgage LLC logo
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License Verified:

License: 1160105

Nationwide Multistate Licensing System and Registry

A-Frame Mortgage LLC

127 19th St, Honolulu, HI 96818
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Business Description

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.

License Verified:

License: 1160105

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

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5.0
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A-Frame Mortgage LLC

Acclaim Capital Mortgage logo
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License: 304090

Nationwide Multistate Licensing System and Registry

Acclaim Capital Mortgage

1888 Kalakaua Avenue Suite C312, Honolulu, HI 96815
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Business Description

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.

License Verified:

License: 304090

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)
Google
5.0 / 5 (1)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Acclaim Capital Mortgage

Aloha Lending Services logo
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License: 237360

Nationwide Multistate Licensing System and Registry

Aloha Lending Services

94 Waipio Uka Street, Waipahu, HI 96797
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  • New Construction
  • Multi-Family Loans

Business Description

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.

License Verified:

License: 237360

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Yelp
5.0 / 5 (89)
Facebook
5.0 / 5 (14)
Google
5.0 / 5 (6)

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Aloha Lending Services

Best Mortgage Rate logo
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License: 375788

Nationwide Multistate Licensing System and Registry

Best Mortgage Rate

1188 Bishop Street, Honolulu, HI 96813
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  • New Construction

Business Description

Best Mortgage Rate is a refinance company based in Honolulu. It has been in the business for more than a decade, helping homeowners and buyers obtain financial loan programs, such as jumbo, conventional, and VA loans. The company assists clients in lowering down their loan options and guides them in choosing the mortgage loans suited to their needs. Best Mortgage Rate also offers Airbnb financing, allowing individuals to have flexible loans for short-term vacation rentals.

License Verified:

License: 375788

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
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5.0 / 5 (3)
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Best Mortgage Rate

Cardinal Financial Company Limited Partnership logo
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License Verified:

License: 1803523

Nationwide Multistate Licensing System and Registry

Cardinal Financial Company Limited Partnership

1188 Bishop Street, Honolulu, HI 96813
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  • New Construction

Business Description

Cardinal Financial Company Limited Partnership is a full-service mortgage solutions provider serving the Honolulu community and nearby localities. The firm assists homeowners who plan to maximize or replace their current home loans with its mortgage refinancing services. The mortgage specialists from this company represent multiple lenders that provide a variety of refinancing options, including conventional fixed-rate, cashout, home equity, FHA streamline, and VA interest rate reduction refinance loans. The team also offers mortgage loans for homebuyers. The company has been operating since 2008.

License Verified:

License: 1803523

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
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5.0 / 5 (8)
Facebook
5.0 / 5 (8)
Yelp
4.0 / 5 (5)

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Cardinal Financial Company Limited Partnership

CF Home Loans logo
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CF Home Loans

1050 Queen St #100, Honolulu, HI 96814
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Business Description

CF Home Loans Honolulu provides mortgage solutions to homeowners and first-time buyers in and around the metro. It helps clients with existing loans to get new terms and features that fit their current economic situation. It also matches prospective buyers with loan programs that are tailor-made for their financial goals. These include fixed and adjustable-rate, FHA, VA, renovation, and jumbo loans. A former client commended on the company for making it simple for him and his wife to own their dream home.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

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CF Home Loans

Element Mortgage logo
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Element Mortgage

3465 Waialae Ave., Suite 300A, Honolulu, HI 96816
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  • New Construction

Business Description

Element Mortgage helps homebuyers and homeowners go through their financing journeys in Honolulu. It provides assistance in finding loans that will fit their individual needs. It offers fixed-rate mortgage, adjustable-rate, FHA, and VA loans. The team assists first-time buyers throughout the loan process, from pre-approval, loan program selection, application, underwriting, and approval up to closing. The company's mortgage professionals have a combined experience of 70 years in helping clients achieve their homeownership goals.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
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5.0 / 5 (2)
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

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Element Mortgage

Gentry HomeLoans logo
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Gentry HomeLoans

225 Queen St, 6th Floor, Honolulu, HI 96813
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  • Reverse Mortgages

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

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Gentry HomeLoans

Hawaii Mortgage Experts LLC logo
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Hawaii Mortgage Experts LLC

6700 Kalanianaole Hwy, Suite 215, Honolulu, HI 96825
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Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (19)
Facebook
5.0 / 5 (18)
Yelp
4.0 / 5 (9)

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Hawaii Mortgage Experts LLC

Hawaiian Isle Mortgage logo
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Hawaiian Isle Mortgage

1188 Bishop Street #2804, Honolulu, HI 96813
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  • Reverse Mortgages

Business Description

Hawaiian Isle Mortgage offers various home loan products for residents in Honolulu and nearby locations. Its broker, Scott Brewer, helps clients refinance current home loans to lower monthly payments and change mortgage terms. He also offers veteran home loans, which come in 15- and 30-year adjustable and fixed-rate options. Additionally, Brewer helps clients apply for non-conforming and portfolio loans. He has more than four decades of banking experience and has been Hawaiian Isle Mortgage's president since 2000.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
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5.0 / 5 (8)
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Hawaiian Isle Mortgage

House of Finance, Inc. logo
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License Verified:

License: 378949

Nationwide Multistate Licensing System and Registry

House of Finance, Inc.

2300 North King Street, Honolulu, HI 96819
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  • New Construction

Business Description

House of Finance, Inc., helps individuals find home loaning solutions from its Honolulu office. Its mortgage specialists inform clients of the refinancing options they have to find better mortgage rates and terms in order to achieve their financial goals. House of Finance was established in 1995 by Roland and Evelyn Casamina with a goal to assist clients in purchasing and refinancing their homes. At present, the company ranks among the top 20 residential mortgage loan producers in the state.

License Verified:

License: 378949

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
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House of Finance, Inc.

Ian Ho logo
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License Verified:

License: 1998743

Nationwide Multistate Licensing System and Registry

Ian Ho

Honolulu, HI
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  • Reverse Mortgages

Business Description

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.

License Verified:

License: 1998743

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (34)
Yelp
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Ian Ho

Infinite Financial logo
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Infinite Financial

1050 Queen St., Suite 100, Office A2, Honolulu, HI 96814
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  • Reverse Mortgages

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (46)
Yelp
5.0 / 5 (33)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Infinite Financial

Island Lending Hawaii, LLC logo
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Island Lending Hawaii, LLC

735 Bishop Street Suite 237, Honolulu, HI 96813
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  • Reverse Mortgages

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Island Lending Hawaii, LLC

Joseph Lee logo
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License Verified:

License: 1855597

Nationwide Multistate Licensing System and Registry

Joseph Lee

91-1011 Holunape St, Kapolei, HI 96707
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  • New Construction

Business Description

Joseph Lee is a mortgage broker providing refinancing services to the locals of Honolulu and nearby areas. He guides his clients, whether buying, building, refinancing, or selling houses. He offers a variety of loan programs like fixed-rate mortgage, adjustable-rate mortgage (ARM), conforming, jumbo, and super jumbo loans. Joseph shares his expertise in the industry through financial consultations and discussions. Customers can choose from various home purchase loans, compare refinance rates, and use an online calculator through his website.

License Verified:

License: 1855597

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Joseph Lee

Kelly Westmoreland logo
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Kelly Westmoreland

6700 Kalanianaole Hwy., Ste. 215, Honolulu, HI 96825
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Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Kelly Westmoreland

Legacy Mortgage logo
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Legacy Mortgage

55 S. Kukui St. #D3113, Honolulu, HI 96813
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  • Multi-Family Loans

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Yelp
4.0 / 5 (4)

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Legacy Mortgage

Mann Mortgage logo
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License: 2550

Nationwide Multistate Licensing System and Registry

Mann Mortgage

2149 Lauwiliwili Street, Kapolei, HI 96707
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  • New Construction

Business Description

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.

License Verified:

License: 2550

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
5.0 / 5 (6)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Mann Mortgage

NEXA Mortgage logo
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NEXA Mortgage

98-023 Hekaha Street, Bldg. 1, Unit #2E1, Aiea, HI 96701
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  • Reverse Mortgages

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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NEXA Mortgage

Ohana Mortgage Network logo
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License Verified:

License: 2005125

Nationwide Multistate Licensing System and Registry

Ohana Mortgage Network

1003 Bishop Street Suite 2700, Honolulu, HI 96813
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Business Description

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.

License Verified:

License: 2005125

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
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5.0 / 5 (3)
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Ohana Mortgage Network

Pacific Horizon Lending logo
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Pacific Horizon Lending

145 Polulani Pl, Honolulu, HI 96813
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  • New Construction

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
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5.0 / 5 (30)

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Pacific Horizon Lending

Pacific Rim Mortgage logo
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Pacific Rim Mortgage

98-151 Pali Momi St, Suite C2A, Aiea, HI 96701
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Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Pacific Rim Mortgage

Smart Money logo
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License Verified:

License: 273384

Nationwide Multistate Licensing System and Registry

Smart Money

1600 Kapiolani Boulevard, Honolulu, HI 96814
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  • New Construction

Business Description

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.

License Verified:

License: 273384

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.7 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Smart Money

Veterans United Home Loans of Hawaii logo
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Veterans United Home Loans of Hawaii

745 Fort Street Mall Suite 1001, Honolulu, HI 96813
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  • Multi-Family Loans

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.9 / 5 (73)
Google
4.5 / 5 (34)
Yelp
4.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
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Veterans United Home Loans of Hawaii

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Frequently Asked Questions

What should you expect when refinancing a mortgage?

When refinancing a mortgage, expect to answer a lot of questions and provide documentation to back up your answers. You'll may also pay fees and closing costs of around $5,000. Additionally, expect to start over in terms of building home equity, because refinancing takes the amortization process back to the beginning.

How often should you refinance your mortgage?

There is no recommended frequency for refinancing a mortgage. How often you should refinance is determined by when it will save you money. If you can get better terms on your mortgage by refinancing, then it’s a good time to take action.

Can you refinance a first mortgage and not a second?

You can refinance your first mortgage and not the second one, but it can be difficult. You have to get the lender of your second mortgage to agree to the refinancing. The process is called resubordination, and some home equity lenders won’t agree. Additionally, lenders typically charge extra fees to resubordinate a loan.

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