— HAWAII COUNTY
Big Island Lender &
Home Loan Specialists
Mortgage financing for primary residences, resort condominiums, agricultural properties, and investment real estate across Hawaii County.
— ABOUT HAWAII COUNTY LOANS
Big Island
Mortgage Financing
Serving Kona, the Kohala Coast, Hilo, Waimea, Holualoa, Hawi, Captain Cook, Puna, and communities throughout the Big Island.
Pacific Home Loans provides mortgage financing throughout Hawaii County (the Big Island), including Kona, the Kohala Coast, Hilo, Waimea, and surrounding communities.
The Big Island real estate market includes a wide range of property types, from resort condominiums and oceanfront estates to rural agricultural properties and primary residences.
Our team structures mortgage solutions tailored to Hawaii County’s unique property landscape, including conventional, FHA, VA, jumbo, renovation, alternative documentation, and portfolio mortgage programs.
— ABOUT HAWAII COUNTY LOANS
Kona Mortgage
Financing
The Kona region represents one of the most active real estate markets on the Big Island, including communities such as Kailua-Kona, Holualoa, Captain Cook, and Keauhou with properties across the Kona Coast range from resort condominiums and luxury homes to agricultural estates within the Kona coffee belt. Pacific Home Loans provides mortgage solutions across the Kona region for primary residences, vacation homes, and investment properties.
Luxury Real Estate Financing Across the Kona Coast
The Kona Coast is home to several high-value luxury communities including Hualalai Resort, Kukio, and Kohanaiki. These luxury markets often involve higher property values and specialized financing structures.
Mortgage solutions may include:
- Jumbo loan programs
- Portfolio lending structures
- Structured financing for higher-value residential transactions
→ Jumbo Loans
→ Portfolio Loans & Flexible Financing Solutions
Kona Coffee Belt & Agricultural Property Financing
Holualoa, Captain Cook, and surrounding areas of the Kona coffee belt include agricultural and estate properties where financing may require review of acreage limits, zoning designations, and farm-related land use.
Agricultural property financing may involve evaluation of:
- Agricultural zoning classifications
- Acreage limitations
- Utility infrastructure
- Accessory structures
- Appraisal methodology for rural land
Some agricultural properties may also be structured as CPR subdivisions, which can require additional legal and title review during the lending process.
— ABOUT HAWAII COUNTY LOANS
Kohala Coast Resort
Condominium Financing
The Kohala Coast represents one of the Big Island’s premier resort real estate corridors. Resort communities across the Kohala Coast include Waikoloa Beach Resort, Mauna Lani Resort, Mauna Kea Resort, and Hapuna Beach Resort. Many condominium communities in these areas allow short-term vacation rental use and require specialized project review during the financing process.
Financing may involve evaluation of:
- HOA financial strength
- Insurance coverage
- Short-term rental eligibility
- Investor ownership concentration
- Project warrantability
- Resort zoning classifications
For specialized resort and non-warrantable condominium financing:
→ PrimeResort™ Condo Financing
North Kohala & Rural Estate Communities
North Kohala communities such as Hawi and Kapaau include large acreage estates and agricultural parcels where financing may require specialized appraisal and underwriting review. Properties in these areas may involve additional considerations such as rural property access, utility infrastructure, agricultural land use, and acreage valuation methods.
— SPECIALIZED FINANCING
Hawaii County’s Unique
Mortgage Market
Certain areas of Hawaii County fall within lava flow zones, which may impact insurance availability, appraisal review, and loan eligibility depending on program guidelines.
Properties in higher lava risk zones may require:
- Specialized insurance carriers
- Additional appraisal analysis
- Alternative or portfolio lending structures in some scenarios
Pacific Home Loans works with experienced Big Island appraisers familiar with lava zone mapping and rural property valuation.
Catchment Water Systems & Off-Grid Utilities
Many rural properties across the Big Island use rainwater catchment systems rather than municipal water service. These homes may require additional underwriting or appraisal review depending on loan program guidelines.
Some rural properties may also utilize off-grid utilities such as solar power systems, which may be evaluated as part of the property review process. Financing eligibility depends on property characteristics, program guidelines, and appraisal review.
— FOR RESORT & NON-WARRANTABLE PROJECTS
PrimeResort™
Some condominiums – particularly resort-designated or non-warrantable projects – require specialized underwriting that conventional lenders cannot provide.
Investor Qualification
Learn more about qualifying for a home loan utilizing investor and cash-flow-based qualification.
Portfolio Loans
Learn more about our portfolio loan options and flexible financing solutions.
— HAWAII COUNTY LOAN OPTIONS
Hawaii County Investor &
Non-QM Loans
Investment Property & Non-QM Financing on the Big Island
The Big Island supports both long-term rental and short-term vacation rental investment activity, particularly across Kona and the Kohala Coast.
Available programs may include:
- DSCR investor loans
- Bank statement loans
- Asset-based qualification
- Portfolio lending solutions
Short-term rental income may be considered for eligible properties subject to zoning compliance and underwriting guidelines.
— WHY PACIFIC HOME LOANS
Pacific Home Loans
Hawaii County Mortgages
- Experience financing resort condominiums and non-warrantable projects
- Familiarity with Kona Coast resort markets and Kohala Coast communities
- Expertise with agricultural and rural property financing
- In-house underwriting and funding capabilities
- Structured financing solutions for higher-value properties
- Local Big Island appraisal network
Our team understands both the resort real estate dynamics of the Kohala Coast and the rural property complexities unique to Hawaii County.
Condo Financing Expertise
Expertise in complex condo, condotel, and financing for Hawaii’s resort marketplaces.
In-House Service
In-house underwriting and delegated lending capabilities for faster, better service.
Flexible Borrower Solutions
Experienced with high-value and luxury transactions, offering loan amounts up to $30 million.
Licensed Across 10 States
Hawaii-headquartered with multi-state licensing – serving borrowers wherever their investment journey takes them.
Dedicated Loan Team
Every borrower is supported by a dedicated team from application through closing – not passed between departments.
Streamlined Process
Pre-qualify quickly, upload documents securely online, and e-sign mortgage disclosures from anywhere.
— COMMON QUESTIONS
Big Island/Hawaii County
Mortgage FAQ
Have a question not answered here? Our team is available to walk through your specific scenario.
