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2024

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Best Mortgage Brokers in Honolulu, HI

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 Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

109Reviewed

73Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

500 Ala Moana Boulevard Suite 7400, Honolulu, HI 96813
WebsiteLicense: 1697041

Expertise.com Rating

Review Sources

Facebook
5.0 (49)
Google
5.0 (41)
Zillow
5.0 (31)

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.

  • VA High balance loan
  • Jumbo Loans
  • Hawaii VA loans
  • low interest rates
  • Mortgage Broker
  • Refinance
  • VA Loans

Honolulu, HI

Expertise.com Rating

Why choose this provider?

Need help contacting a Mortgage Broker 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.

94-539 Puahi Street, Waipahu, HI 96797
WebsiteLicense: 1452722

Expertise.com Rating

Review Sources

Google
5.0 (192)
Facebook
5.0 (33)
Zillow
5.0 (30)

Why choose this provider?

Larry Gonzales is a senior loan officer representing Aligned Mortgage who serves the residents of Honolulu through loan programs and home financing options. He is a retired US Navy officer who served for 24 years. His unique background and experience in the military fueled his passion for helping fellow veterans secure home financing loans through the VA loan program. Larry was the top Veteran Loan Officer in the USA in 2019 and has been the top VA loan officer in Hawaii for 3 straight years (2018-2020) and was the top individual loan officer in Hawaii in 2020 for all loan types.

  • Refinance

4348 Waialae Avenue, Honolulu, HI 96816
WebsiteLicense: 320821

Expertise.com Rating

Review Sources

Yelp
5.0 (16)
Google
5.0 (10)
Facebook
4.0 (6)

Why choose this provider?

Aloha Mortgage Advisors assists the financing needs of homebuyers in Honolulu. With a commitment to simplifying the process of obtaining a loan, its team of mortgage specialists utilizes their market knowledge to help clients select from various financing options, including VA, super jumbo, and construction loans. They also offer programs designed for first-time homebuyers. Aloha Mortgage Advisors, which is affiliated with the Kama'aina Mortgage Group, is headed by Wayde Nakasone, a mortgage advisor with nearly 20 years of experience.

  • Refinance
  • Reverse Mortgages

6700 Kalanianaole Hwy Suite 215, Honolulu, HI 96825
WebsiteLicense: 968243

Expertise.com Rating

Review Sources

Facebook
5.0 (29)
Google
4.8 (21)
Yelp
4.5 (11)

Why choose this provider?

Hawaii Mortgage Experts LLC provides home financing solutions to individuals in and near Honolulu. It caters to both first-time homebuyers and investors, offering various programs such as jumbo, USDA, and FHA loans. Also included in its product range are rehab loans, which suit homeowners looking to fund renovations. In addition, it provides refinance loans for clients who wish to lower mortgage rates or monthly payments. Hawaii Mortgage Experts has an in-house processing team, and its staff has access to products from multiple lenders.

  • Refinance

1050 Queen Street, Honolulu, HI 96814
WebsiteLicense: 1866302

Expertise.com Rating

Review Sources

Google
5.0 (41)
Yelp
5.0 (23)

Why choose this provider?

Honolulu-based Infinite Financial is a mortgage firm that works with lenders to provide loan programs to its clients. Its mortgage brokers assist them in obtaining conventional mortgages, FHA loans, VA loans, and USDA loans. They also offer hard money, portfolio, and non-qualified mortgage options. It was founded in 2019 by Duncan Hsia, who has experience in financial and customer service. He aims to improve his clients' financial situation by working with them throughout the whole mortgage process.

  • Refinance

841 Bishop Street, Honolulu, HI 96813
WebsiteLicense: 1662480

Expertise.com Rating

Review Sources

Google
4.0 (125)
Facebook
4.0 (17)
Yelp
3.0 (16)

Why choose this provider?

Myers Capital Hawaii is a long-standing mortgage firm that offers a wide array of mortgage solutions for residents of the Honolulu area and its surrounding communities. Since its establishment in 1998, the firm has guided and educated clients with loan solutions and programs that will help them reach their financial goals. Some of the mortgage services being offered are FHA and VA loans, home equity loans, and mortgage refinancing. Condotel financing is also available for clients who want to enjoy a community with hotel-like facilities.

  • Refinance
  • Commercial Loans

1188 Bishop Street, Honolulu, HI 96813
WebsiteLicense: 1803523

Expertise.com Rating

Review Sources

Google
5.0 (16)
Facebook
5.0 (11)
Yelp
4.0 (4)

Why choose this provider?

Cardinal Financial Company Limited Partnership is a nationwide lending company that started operating in Honolulu in 2018. Cardinal Financial Hawaii is a community-based mortgage lender that offers conforming, non-conforming, and government loan programs. It provides custom-made financial solutions for refinancing and home loan purchase needs. It offers options like conventional fixed-rate, cash-out refinance, and home equity loans and purchasing options like conventional, FHA, and VA loans. The firm uses updated and paperless technology to provide a seamless process in its services.

  • Refinance

225 Queen Street, Honolulu, HI 96813
WebsiteLicense: 449921

Expertise.com Rating

Why choose this provider?

Gentry HomeLoans, LLC is a full-service mortgage broker company in Honolulu offering government-backed loan programs for first-time buyers and homeowners. Loan options include fixed-rate FHA/VA loans for detached and single-unit dwellings, eligible condos and planned unit developments, conforming and Jumbo non-conforming loans. Other services include temporary buy-downs, adjustable-rate mortgages, and home equity lines of credit secured by real estate. Their loan mortgage officers provide assistance and guidance to their clients in finding the right loan options.

  • New Construction

1600 Kapiolani Boulevard, Honolulu, HI 96814
WebsiteLicense: 273384

Expertise.com Rating

Review Sources

Google
5.0 (257)
Yelp
4.0 (31)
Facebook
4.0 (14)

Why choose this provider?

Smart Money is a company of mortgage brokers in Honolulu that offers home financing options to clients in the metro and nearby communities. It specializes in various home loan programs, such as conventional, government, and hard money residential loans. The company also helps current and prospective homeowners secure home loans that are fit to their budget and needs. In addition, the firm's website has available pre-qualification tools and guides to help during the approval phase.

  • Refinance

1005 Keolu Drive, Kailua, HI 96734
WebsiteLicense: 289505

Expertise.com Rating

Review Sources

Google
3.0 (3)
Yelp
5.0 (2)

Why choose this provider?

Imperial Mortgage, LLC, serves the community of Honolulu by providing a wide range of mortgage programs. This locally owned mortgage broker has been helping families with their home purchase and refinance needs since 1984. It offers fixed-rate, interest-only, graduated payment, and adjustable ARM mortgage options. Its loan program options include VA loans, USDA loans, FHA home loans, and jumbo loans. Imperial Mortgage's website includes mortgage calculators, information about mortgage basics, and downloadable and printable online forms.

  • Refinance

98-151 Pali Momi Street, Aiea, HI 96701
WebsiteLicense: 1849080

Expertise.com Rating

Review Sources

Yelp
4.5 (117)
Facebook
3.7 (2)

Why choose this provider?

Pacific Rim Mortgage is a mortgage brokerage firm serving Honolulu and the surrounding areas. It specializes in conventional, FHA, VA, and USDA loans for new property purchases. It offers refinancing for debt consolidation, rate reduction, and home improvement cash out. The firm also provides streamlined refinancing for veterans through VA IRRRL. Established in 2015, Pacific Rim Mortgage is an Equal Housing Lender that has received recognition from Mortgage Professional America.

  • New Construction
  • Refinance

735 Bishop Street, Honolulu, HI 96813
WebsiteLicense: 1460208

Expertise.com Rating

Review Sources

Google
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Island Lending Hawaii, LLC - Honolulu, Oahu is a mortgage brokerage that helps with the real estate financing needs of individuals and families in the area. Its mortgage professionals strive to be customer-oriented when guiding clients throughout the entire home loan processing. They provide different loan options for no-income individuals, first-time homebuyers, seniors, veterans, and foreign nationals. Island Lending Hawaii also offers a VA loan program that requires no down payment for veterans and their families.

  • Reverse Mortgages

7 Waterfront Plaza 500 Ala Moana Boulevard, Honolulu, HI 96813
WebsiteLicense: 1276471

Expertise.com Rating

Review Sources

Yelp
5.0 (60)

Why choose this provider?

Kama'aina Mortgage Group Inc. is a mortgage broker that caters to clients in Honolulu. The company offers loan options, including 15- and 30-year financing, Home Affordable Refinance Program, FHA, adjustable-rate mortgage, and VA home loans for veterans. It also guides clients in getting qualified for mortgages and streamlining the loan process. Established in 2014, the company is licensed by the NMLS Consumer Access. It is an awardee of the 2019 AIME Broker Ranking Top 100 as a non-delegated correspondent.

  • Refinance
  • Reverse Mortgages

1314 South King Street, Honolulu, HI 96814
WebsiteLicense: 274352

Expertise.com Rating

Review Sources

Yelp
5.0 (4)
Google
5.0 (2)

Why choose this provider?

Mortgage Unlimited is a Honolulu-based mortgage company that helps its clients facilitate loan process applications. The professionals at this firm focus on home purchasing strategies. They offer fixed-rate mortgage loans, which are ideal for first-time homebuyers, and adjustable-rate mortgage loans, which are suitable for individuals planning on having a short-term stay in their homes. Their areas of specialization include FHA, VA, and jumbo loans. Additionally, Mortgage Unlimited assists borrowers in identifying and selecting the mortgage option that fits their preferences and needs.

  • Refinance

970 North Kalaheo Avenue, Kailua, HI 96734
WebsiteLicense: 1850

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (6)
Yelp
5.0 (4)

Why choose this provider?

Mortgage Associates of Hawaii is a mortgage lending company that offers loan solutions for residential property buyers, builders, and real estate agents in Honolulu. Its team of originators provides a wide range of programs, such as adjustable-rate and fixed-rate mortgages, hybrid ARM, single-close construction, and VA loans. In addition, the application process is available online, and its clients can have access to various loans in the marketplace. Mortgage Associates of Hawaii is dedicated to delivering personalized service to fit each individual's home and financial requirements.

  • New Construction
  • Refinance

45-1144 Kamehameha Highway, Kaneohe, HI 96744
WebsiteLicense: 101770

Expertise.com Rating

Review Sources

Yelp
5.0 (71)

Why choose this provider?

Founded in 2007, B&B Mortgage Solutions offers a variety of mortgage products to meet the individual needs of clients around Honolulu. The firm works to execute a straightforward and simple approach to customizing financing structures and determining the most suitable mortgage options. B&B Mortgage Solutions caters to a wide range of clients from first-time buyers to seasoned refinancers. The firm's work in the real estate sector has previously been recognized by publications like Honolulu Magazine and Pacific Business News.

  • Refinance

94-1024 Waipio Uka Street, Waipahu, HI 96797
WebsiteLicense: 237360

Expertise.com Rating

Review Sources

Yelp
5.0 (88)
Facebook
5.0 (14)
Google
5.0 (6)

Why choose this provider?

Aloha Lending Services is a family-operated mortgage broker serving customers in Honolulu. Its team of experienced loan officers assists clients with loan programs for purchase, construction, and refinance to lower interest rates, consolidate debts or pay for college. For 24 hours a day, borrowers can also examine loan alternatives and progress reports to stay updated on their loan applications. Shannon Taparra, the firm's principal broker, helps homebuyers and seasoned investors look for a property that meets their budget.

  • New Construction

1130 North Nimitz Highway, Honolulu, HI 96817
WebsiteLicense: 382577

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Pettrice M. Echiberi is a mortgage specialist at Pacific Lending LLC in Honolulu. He assists borrowers throughout the home buying process, from pre-qualification to getting the best rates and terms. Clients who want to take advantage of a lower interest rate or need a cash-out may avail themselves of refinance loans. Echiberi also works with clients looking for new home purchase and real estate investment financing solutions by providing conventional loans with fixed-rate or adjustable-rate mortgages with different terms.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Elias Halvorson
500 Ala Moana Boulevard Suite 7400, Honolulu, HI 96813Call for quote
Larry Gonzales
94-539 Puahi Street, Waipahu, HI 96797
Aloha Mortgage Advisors
4348 Waialae Avenue, Honolulu, HI 96816
Hawaii Mortgage Experts LLC
6700 Kalanianaole Hwy Suite 215, Honolulu, HI 96825
Infinite Financial
1050 Queen Street, Honolulu, HI 96814
Myers Capital Hawaii
841 Bishop Street, Honolulu, HI 96813
Cardinal Financial Company Limited Partnership
1188 Bishop Street, Honolulu, HI 96813
Gentry HomeLoans, LLC
225 Queen Street, Honolulu, HI 96813
Smart Money
1600 Kapiolani Boulevard, Honolulu, HI 96814
Imperial Mortgage LLC
1005 Keolu Drive, Kailua, HI 96734
Pacific Rim Mortgage
98-151 Pali Momi Street, Aiea, HI 96701
Island Lending Hawaii, LLC - Honolulu, Oahu
735 Bishop Street, Honolulu, HI 96813
Kama'aina Mortgage Group Inc.
7 Waterfront Plaza 500 Ala Moana Boulevard, Honolulu, HI 96813
Mortgage Unlimited
1314 South King Street, Honolulu, HI 96814
Mortgage Associates of Hawaii
970 North Kalaheo Avenue, Kailua, HI 96734
B&B Mortgage Solutions
45-1144 Kamehameha Highway, Kaneohe, HI 96744
Aloha Lending Services
94-1024 Waipio Uka Street, Waipahu, HI 96797
Pettrice M. Echiberi
1130 North Nimitz Highway, Honolulu, HI 96817

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.