FHA Programs have been suspended. We hope to have them available again soon. Please email us at info@pachomeloans.com if you have questions. Thank you!

Hawaii FHA Loan

The Benefits of a Hawaii FHA Loan:

Low Down Payment
Minimum down 3.5%

First Time Home Buyer
FHA is an excellent option for a first-time home buyer; however, you do not need to be a first-time home buyer to be eligible for a Hawaii FHA loan. FHA loans are available to anyone and can be used to purchase or refinance a home.

Hawaii FHA Home Loan

Flexible Underwriting
The main advantage of a Hawaii FHA loan is that the credit criteria is not as strict as the credit criteria for a conventional loan, which is sold to Fannie Mae and Freddie Mac. Another perk of FHA loan is that they allow a higher debt-to-income ratio than conventional loans, meaning they may require less income to qualify.

Credit Problems
Someone who may have had credit problems or lacks traditional credit can still obtain FHA financing.

Non-traditional credit
If you don’t have a credit score. Email us today to see if you are eligible for non-traditional credit qualifying.

Hawaii FHA loans are assumable, allowing a person to take over the mortgage without the additional costs of obtaining a new loan.

MCC Grant
Call or email us to see if you can qualify for the MCC Grant to make your FHA loan more affordable.

FHA Lending Limits for FHA Loans in Hawaii Counties

Oahu – Honolulu
1 unit 2 unit 3 unit 4 unit
$721,050 $923,050 $1,115,800 $1,386,650
1 unit 2 unit 3 unit 4 unit
$723,350 $926,000 $1,119,350 $1,391,100
1 unit 2 unit 3 unit 4 unit
$719,900 $921,600 $1,114,000 $1,384,450
Hawaii – Big-Island
1 unit 2 unit 3 unit 4 unit
$408,250 $522,600 $631,750 $785,100
Get Pre-qualified
Contact Us

Tel: (808) 891-0415
Toll Free: (866) 389-2778
2395 S Kihei Rd #205
Kihei, HI 96753
Hours: M-F 8am to 5pm Hawaii Time

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