Buying a Home

— BUYING A HOME

Buying a Home

In Hawaii

Mortgage options for Hawaii primary residences, second homes, and eligible investment properties, with solutions available in other markets where Pacific Home Loans is licensed.

— ABOUT BUYING A HOME

Buying a Home
in Hawaii

Buying a home in Hawaii is both an exciting milestone and an important financial decision. Whether you are purchasing your first home, relocating, upgrading, or investing, understanding your mortgage options is essential.

Pacific Home Loans provides Hawaii home loan solutions across Maui, Oahu, Kauai, and the Big Island. We serve buyers across a wide range of property values and financial profiles, subject to program eligibility and underwriting guidelines.

Multi-State Availability

Pacific Home Loans provides home loan solutions in multiple states, including Hawaii, California, Nevada, and other markets where we are licensed.

While this page focuses on Hawaii-specific guidance, the mortgage programs outlined below may be applied to transactions in other states based on borrower profile, property type, and program eligibility.

— FINANCING OPTIONS

Hawaii Home Purchase
Loan Options

Conventional Home Loans

• Down payments as low as 3% for eligible primary residence buyers
• Fixed and adjustable-rate options
• Competitive terms for qualified borrowers

FHA Home Loans

• 3.5% down payment option for eligible buyers
• Flexible credit guidelines
• Designed for primary residence purchases

→ FHA Loan

VA Home Loans

• Zero down payment available for eligible veterans
• No monthly mortgage insurance
• Flexible qualification standards

→ VA Loan

— LOAN OPTIONS

Hawaii
Loan Options

Jumbo & High-Value Loans
For properties exceeding conforming loan limits:

• Higher loan amounts available
• Flexible options for higher-priced homes
• Structured solutions for qualified borrowers

→ Jumbo Loans

Down Payment Assistance Programs

Eligible buyers may qualify for approved down payment assistance programs offering reduced or zero-down payment options. Program availability depends on borrower eligibility and funding guidelines.

— LOAN OPTIONS

Hawaii Home Purchase
Financing Options

Property Considerations in Hawaii

Hawaii includes a diverse mix of property types that may affect financing:

Single-family homes
Condominiums
Resort-designated properties
Agricultural and rural properties

If you are purchasing a condominium, additional project-level review may apply.

→ Buying a Condo in Hawaii

Non-Traditional Income & Specialty Scenarios

Some buyers may require alternative qualification options due to income structure or property type. Programs may include Bank Statement Loans, 1099 Income Programs, and DSCR Loans for eligible investment properties.

→ Non-QM Mortgage Programs

For higher-value or complex transactions requiring additional structuring:

→ Portfolio Loans & Flexible Financing Solutions

— HOME PURCHASE LOANS