• 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.

    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   $721,050
    Maui   $679,650
    Kauai   $713,000
    Big Island  $679,650

    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 $721.050.

    - $721,050 
    = $278,950

    $278,950 x 25% = $69,737.50

    The minimum down for an Oahu $1,000,000 purchase financed with VA jumbo loan is $69,737.50.

    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.