Yes, we work with you outside of Hawaii and serve all of USA. We can do a fast video or phone call to help you get a loan from far away. We are so glad to help you out now.

To get a home loan in Hawaii, you need a good credit score, a steady job, and a down payment. Banks also look at your debt and income. The exact rules will vary by the loan you pick out.

You need 3.5% to 20% down for most home loans in Hawaii. Normal loans need 5% to 20%, while an FHA loan asks for 3.5%. If you get a VA or USDA loan, you may pay zero down on a home.

A fixed loan keeps the exact same rate and payment for the whole term. An ARM starts out with a lower rate, but it can go up or down later on based on the market. A fixed loan is safer.

Your credit score sets your loan approval and rate in Hawaii. A high score gets you a low rate and great terms. A low score means you will have to pay much higher rates and fees for your new home.

You pay 2% to 5% of the home price in closing costs. These are fees you pay to close your loan. They pay for a home appraisal, title insurance, and the basic lender fees to set it all up for you.