VA Loan2019-01-09T14:18:16+00:00

Hawaii VA Loan

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

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

hawaii va loan

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 $1,000,000

No monthly mortgage insurance (PMI)

Discounted interest rates

Flexible underwriting

VA Jumbo Loan Down Payment Options:

The VA jumbo loans offer low down payment options. These loans require 25% down for any amount over the conforming loan limit. See the county conforming loan limits and calculation example below.

Hawaii conforming loan limits by county are:
Oahu $726,525
Maui $726,525
Kauai $726,525
Big Island $726,525

How to calculate the minimum down for your Hawaii Jumbo loan:

Calculation Example: Oahu $1,000,000 purchase

Subtract the purchase price from the applicable state conforming loan limit: Oahu $726,525.

$1,000,000
– $721,050
= $273,475

$273,475 x 25% = $63,368.75

The minimum down for an Oahu $1,000,000 purchase financed with VA jumbo loan is $68,368.75.

COMING SOON! VA Renovation Loan

The new VA Renovation Loan allows veterans to finance 100% of both a home purchase and up to $35,000 of renovations of that home simultaneously.

The home must be complete with a Certificate of Occupancy and repairs are limited to cosmetic updates & improvements and mechanical repairs. No structural repairs are allowed. All repairs must be completed within 90 days of loan closing.

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Contact Us

Tel: (808) 891-0415
Toll Free: (866) 389-2778
2395 S Kihei Rd #205
Kihei, HI 96753
Hours: M-F 8am to 5pm Hawaii Time

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