• 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.

    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
    $657,800 $842,100 $1,017,900 $1,265,000
    1 unit 2 unit 3 unit 4 unit
    $713,000 $912,750 $1,103,350 $1,371,350
    Hawaii - Big-Island
    1 unit 2 unit 3 unit 4 unit
    $368,000 $471,100 $569,450 $707,700
  • Lender is not acting on behalf of or at the discretion of the FHA or Federal Government.