— RENOVATION & CONSTRUCTION LOANS
Renovation & Construction
Loan Options
Financing solutions for home renovations, new construction, and land purchases in Hawaii and other markets where Pacific Home Loans is licensed.
— ABOUT RENOVATION & CONSTRUCTION LOANS
Renovation & Construction
Loan Options in Hawaii
Whether you are renovating an existing property, building a custom home, or purchasing land in Hawaii, specialized financing may be required.
Pacific Home Loans provides renovation and construction loan options throughout Maui, Oahu, Kauai, and the Big Island. This page serves as a high-level overview and directs you to detailed information for each program type.
Multi-State Availability
Pacific Home Loans provides renovation and construction financing solutions in multiple states, including Hawaii, California, Nevada, and other markets where we are licensed. While this page focuses on Hawaii-specific guidance, the programs outlined below may be applied to transactions in other states based on borrower profile, property type, and program eligibility.
— RENOVATION LOAN OPTIONS
Renovation
Loan Programs
Renovation loans allow you to finance improvements as part of your mortgage – combining the cost of renovations with your purchase or refinance loan.
HomeStyle® Renovation Loan
A conventional renovation mortgage that allows eligible borrowers to finance both the purchase and renovation of a home under one loan. Best suited for primary residences, second homes, and investment properties.
FHA 203(k) Renovation Loan
A government-backed renovation loan designed for eligible primary residences. Allows purchase and renovation costs to be combined into one FHA-insured mortgage.
VA Renovation Loans
Available to eligible veterans, this program allows purchase and renovation financing under VA guidelines.
— CONSTRUCTION LOAN OPTIONS
Construction
Loan Programs
A single-loan structure that transitions from construction financing to a long-term mortgage once the home is completed.
→ Construction-to-Permanent Loan
Land Loans
Financing options for purchasing vacant land in Hawaii for future development or investment.
— RENOVATION & CONSTRUCTION FINANCING
Choosing the Right Renovation
or Construction Loan
Related Hawaii Home Buying Resources
→ Buying a Home in Hawaii
→ Buying a Condo in Hawaii
→ Hawaii Home Loan Programs
