Hawaii or California FHA Loan

The Benefits:

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 or California 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 or California 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 an FHA loan is that they allow a higher debt-to-income ratio than conventional loans, meaning they may require less income to qualify.

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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.

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 or California 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 or California 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 an 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.

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

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FHA Lending Limits for FHA Loans in Hawaii Counties

Oahu – Honolulu
1 family 2 family 3 family 4 family
$747,500 $956,950 $1,156,700 $1,437,500
Maui
1 family 2 family 3 family 4 family
$828,000 $1,060,000 $1,281,300 $1,592,350
Kauai
1 family 2 family 3 family 4 family
$845,250 $1,082,100 $1,308,000 $1,625,500
Hawaii – Big-Island
1 family 2 family 3 family 4 family
$477,250 $610,950 $738,500 $917,800