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2024

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Best Mortgage Refinance Companies in Honolulu

Our Recommended Top 19

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our 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.

214

Reviewed

136

Curated

19

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
500 Ala Moana Boulevard Suite 7400, Honolulu, HI 96813
  • VA High balance loan
  • Jumbo Loans
  • Hawaii VA loans
  • low interest rates
  • Mortgage Broker
  • Refinance
  • VA Loans

Why choose this provider?

Elias Halvorson is a Honolulu-based mortgage consultant partnered with C2 Financial Corporation. Elias assists clients in acquiring financing options suited to their needs. Having been a member of the military himself, he applies his personal experience when guiding veterans and current military staff. He has over 13 years of experience in mortgage and finance. In addition to helping hundreds of families utilize their Hawaii VA Home Loan benefit – he’s managed over $1.5 billion in aid and reconstruction funds in Afghanistan as well as provided cost and budget analysis for an array of defense programs.

License Verified:

License: 1697041

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 (49)
Google
5.0 / 5 (41)
Zillow
5.0 / 5 (31)

(+1 additional source)

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
Responsiveness
Friendliness
Helpfulness
Detail

Price: Call for quote

Promotions

PCS Discount and Jumbo Loan Discount

Honolulu, HI

Why choose this provider?

Need help contacting a Mortgage Refinance Company in Honolulu? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free booking service | Call 848.Book.Pro!

Website
1003 Bishop Street Suite 2700, Honolulu, HI 96813

Why choose this provider?

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
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (1)

Website
6700 Kalanianaole Hwy, Suite 215, Honolulu, HI 96825

Why choose this provider?

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.
4.7
Facebook
5.0 / 5 (32)
Google
4.8 / 5 (20)
Yelp
3.9 / 5 (11)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
127 19th St, Honolulu, HI 96818

Why choose this provider?

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 (2)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Google
5.0 / 5 (207)
Facebook
4.2 / 5 (133)
Yelp
4.5 / 5 (88)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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 (4)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
1600 Kapiolani Boulevard, Honolulu, HI 96814
  • New Construction

Why choose this provider?

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.
4.5
Yelp
4.5 / 5 (28)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1888 Kalakaua Avenue Suite C312, Honolulu, HI 96815

Why choose this provider?

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 (10)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
5.0
Yelp
5.0 / 5 (89)
Facebook
5.0 / 5 (14)
Google
5.0 / 5 (6)

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
Honolulu, HI
  • Reverse Mortgages

Why choose this provider?

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.
4.9
Google
4.9 / 5 (44)
Yelp
5.0 / 5 (25)

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
4.8
Facebook
5.0 / 5 (172)
Google
4.4 / 5 (42)
Yelp
4.3 / 5 (15)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
2149 Lauwiliwili Street, Kapolei, HI 96707
  • New Construction

Why choose this provider?

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
Yelp
3.5 / 5 (7)
Google
5.0 / 5 (6)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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
Facebook
5.0 / 5 (8)
Google
5.0 / 5 (5)
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
Responsiveness
Friendliness
Helpfulness
Detail

Website
6700 Kalanianaole Hwy., Ste. 215, Honolulu, HI 96825

Why choose this provider?

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
Google
5.0 / 5 (10)

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
Responsiveness
Friendliness
Helpfulness
Detail

Website
145 Polulani Pl, Honolulu, HI 96813
  • New Construction

Why choose this provider?

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
Google
5.0 / 5 (30)

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
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.
5.0
Google
5.0 / 5 (57)
Yelp
5.0 / 5 (35)
Facebook
5.0 / 5 (7)

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
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Refinancing a mortgage can be a complicated process, and hiring a mortgage refinancing broker can make it simpler and faster. There are several things you can do to protect your interests and help your broker complete the process for you.

    Check a potential broker’s online reviews to find one with a good reputation. In addition to the opinions of past clients, check to see if a broker has an online portfolio, which can support the reviews you find from past clients to show a broker’s trustworthiness. This can also help you establish if a broker has handled financing for properties similar to yours.

    Get a written summary of a broker’s rates before committing so you know exactly what hiring your chosen mortgage refinance broker will cost. Find out which lenders work with your broker and what information they need to successfully refinance your mortgage.
  • Can your VA loan be assumed by another veteran in Honolulu?

    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.

  • How long should you wait before you can refinance a mortgage in Honolulu?

    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.

  • What are the loan lending limits of common mortgages in Honolulu?

    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.

  • How can first-time homebuyers in Honolulu take advantage of FHA loans?

    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.

  • What amount is considered a jumbo loan in Honolulu?

    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.

  • How do you refinance a mortgage?

    Decide why you’re refinancing, such as to get a lower interest rate, pay off your loan faster, or to get a lower monthly payment. Share your credit information with your broker along with information about the equity you have in your home. Review your mortgage refinance broker’s quotes and choose the best loan terms.