Fund USA Corp is proud to serve homebuyers, veterans, and real estate investors across the beautiful state of Hawaii. As a licensed mortgage broker in both California and Hawaii (NMLS 1215609), we bring the same personalized service and competitive loan options that have helped us fund over $223 million in loans now available to Hawaii residents and buyers on every island.
WHY CHOOSE FUND USA CORP FOR YOUR HAWAII HOME LOAN?
Buying a home in Hawaii presents unique challenges: high property values, competitive markets, and limited inventory on many islands. That’s why
working with an experienced mortgage broker rather than a single bank gives you a significant advantage. Fund USA Corp shops dozens of lenders to find the best rate and program for your specific situation.
LOAN PROGRAMS AVAILABLE IN HAWAII
FHA Loans Hawaii:
FHA loans are an excellent option for Hawaii homebuyers who want to purchase with as little as 3.5% down. With flexible credit requirements and competitive rates backed by the federal government, FHA loans make homeownership accessible even in Hawaii’s high-cost markets.
VA Loans Hawaii:
Hawaii is home to a large military community, and VA loans are one of the most powerful benefits available to eligible veterans and active-duty service members. VA loans offer 100% financing (zero down payment), no private mortgage insurance, and below-market interest rates. Fund USA Corp is proud to help Hawaii’s veterans achieve homeownership.
Jumbo Loans Hawaii:
Many properties in Hawaii, particularly on Oahu, Maui, and Kauai, exceed conventional loan limits, requiring jumbo financing. Fund USA Corp offers competitive jumbo loan programs with flexible terms for luxury homes and high-value properties across all Hawaiian islands.
DSCR Investment Loans Hawaii:
Hawaii’s rental market is one of the strongest in the nation, making it an attractive destination for real estate investors. DSCR (Debt Service
Coverage Ratio) loans allow investors to qualify based on the property’s rental income rather than personal income ideal for purchasing vacation rentals, long-term rentals, or multi-family properties in Hawaii.
Conventional & Refinance Loans Hawaii:
Whether you’re refinancing to lower your rate, access equity, or consolidate debt, Fund USA Corp offers conventional and government-backed refinancing options for Hawaii homeowners.
ISLANDS WE SERVE
Ready to explore your Hawaii home loan options? Contact Fund USA Corp today for a free, no-obligation consultation. We’re licensed in Hawaii and ready to help you close with confidence.
Yes. Fund USA Corp holds active mortgage broker licenses in both
California and Hawaii (NMLS 1215609). We are fully authorized to originate and process mortgage loans for properties throughout the state of Hawaii.
Absolutely. VA loans are available for eligible veterans and active duty service members purchasing homes anywhere in the United States, including Hawaii.
VA loans offer zero down payment, no PMI, and competitive rates making them one of the best loan options available for Hawaii’s military community.
In Hawaii, the conforming loan limit for 2026 is $1,149,825 for single-family homes in high-cost counties (including Honolulu, Maui, and Kauai).
Properties above this limit require jumbo financing. Fund USA Corp offers competitive jumbo loan programs for Hawaii’s high-value real estate market.
Yes. DSCR loans are an excellent option for investors purchasing vacation
rentals in Hawaii. The loan qualifies based on the property’s projected or
actual rental income, not your personal income or tax returns.
Contact us to discuss your investment property financing options.
