VA Home Loans

The Pacific Home Loans Hawaii VA Loan is available for veterans looking to refinance or purchase their home.

VA Home Loan Limits

Starting Jan. 1, 2020, the VA will cease capping the size of a loan a veteran can get with no money down, paving the way for veterans to buy higher-value homes.

VA Loan Limits Increased in 2020

VA funding fee to increase:
The fee for first-use, zero-down loans will be 2.3% of the loan amount in 2020, up from 2.15% for regular military in 2019. The fee for subsequent use loans will be 3.6% of the loan amount, up from the current 3.3%.

*See VA Streamline refinance for a no doc refinance option.

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There are several reasons why a VA Loan may be preferable to a standard loan. Most importantly, upon qualification, you may obtain a VA Loan even if you do not qualify for other types of loans.

VA Loan Benefits:

  • 0% down
  • No monthly mortgage insurance (PMI)
  • Discounted interest rates
  • No cash due at closing possible
  • Flexible underwriting
  • Great for first time home buyers

Hawaii VA Jumbo Loan

VA is not just for the First-time Home Buyer. Are you shopping for a Hawaii Jumbo loan and a veteran of the U.S. Armed forces?

Hawaii VA Jumbo Loan Features

  • VA Jumbo loans up to $2,500,000

  • No monthly mortgage insurance (PMI)

  • Discounted interest rates

  • Flexible underwriting

VA Jumbo Loan Down Payment Options

VA Jumbo loans no longer have a minimum down payment requirement. For qualified veterans, it is now possible to qualify for a $2,500,000 loan with zero down.

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