Mortgages in Honolulu County

Where We Lend

Looking for a Honolulu County home loan? As an experienced Honolulu County mortgage lender, we provide financing across Oahu, including areas like:

Our Hawaii mortgage services extend throughout Honolulu County and across the Hawaiian Islands.

Types of Mortgages Available in Honolulu County

Finding the right financing in Hawaii takes knowledge and flexibility. Here are the Honolulu County mortgage loan options available:

• DSCR Loans: If you’re looking to expand your real estate portfolio, these mortgages help you tap into Oahu’s thriving long-term or vacation rental market. Rather than using your personal income, qualification is based on the property’s potential rental income.
• Asset-Based Loans: Let your investments work for you with these specialized loans. Your liquid assets count as qualifying income, making it easier to secure financing while keeping your investment strategy intact.
• Bank Statement Loans: Built for Honolulu’s entrepreneurs and independent professionals. Skip the complex tax return requirements and qualify based on your bank deposits. This alternative approach opens doors for business owners and self-employed individuals.
• Home Equity Loans: Make your current property work harder for you with a second mortgage. Access your home’s equity for improvements, renovations, or other major expenses. Home equity loans (HELOANs) and home equity lines of credit (HELOCs) are available to homeowners with enough equity in their properties and allow you to keep your existing mortgage rate on your primary loan.
• FHA Loans: Break into Honolulu’s housing market with lower down payment requirements. These government-backed loans offer flexible credit guidelines and competitive rates. They’re particularly helpful for first-time buyers in our unique island market.
• VA Loans: Current and prior members of the military can access special benefits, including zero down payment options. These loans recognize your service with favorable terms and conditions.
• USDA Loans: These specialized mortgages support homeownership in Honolulu County’s eligible rural areas. USDA loans come with zero percent down payment requirements and highly competitive rates, making rural island living more accessible. They’re designed to help moderate-income buyers achieve homeownership in qualifying locations.
• Conventional Loans: Traditional financing with proven reliability. These loans work well for qualified buyers with strong credit and stable income. Enjoy straightforward terms and a clear path to homeownership.
• Jumbo Loans: Finance luxury properties in Honolulu’s premium neighborhoods. These larger mortgages accommodate island properties that exceed standard loan limits. Get competitive terms on high-value homes from Diamond Head to Kahala.
• ITIN Loans: These specialized mortgages create opportunities for non-U.S. citizens to purchase property in Honolulu County. Using your Individual Taxpayer Identification Number, you can qualify without a Social Security number. This program helps international buyers become part of our diverse island community.
• Private Money Loans: Get quick decisions and flexible terms for unique situations in Honolulu’s fast-moving market. These loans offer alternative qualification methods when traditional financing isn’t the right fit. Private money loans are perfect for time-sensitive purchases or special circumstances like fix-and-flip projects.

How to Get a Home Loan in Honolulu County

Here are the steps to secure a Honolulu County mortgage:

1. Prepare your finances: Take a close look at your finances and down payment options. Our team can help answer your home buying FAQs and explain how current market conditions affect your options. Understanding local property values helps set realistic expectations.
2. Get pre-approved: Share your financial details through our secure system for a clear picture of your buying power. Pre-approval shows sellers you mean business in this competitive market. We’ll help identify which loan programs best match your situation.
3. Start house hunting: Work with a local agent who knows Oahu’s neighborhoods and unique market dynamics. They’ll help you find properties that match your lifestyle and budget. Local expertise is crucial in our distinct island communities.
4. Apply for your loan: Submit the required documentation while our team manages appraisals and inspections (required for government-backed loans). Our processors verify every detail and keep you updated throughout.
5. Complete closing: Review your final loan terms and complete your purchase. We explain each document clearly and guide you through the signing process. Our team ensures everything is in order for a successful closing.

Want to stay in the loop? Download the Griffin Gold app for easy updates and document uploads on the go.

Why Work With Griffin Funding?

Looking to buy a home in Honolulu County? As your trusted Honolulu County mortgage lender, we know the local market inside and out. Here’s why you should choose Griffin Funding as your mortgage lender:

• Competitive rates: Our mortgage rates are competitive across conventional, jumbo, and government-backed loans, which means you’ll save money over the life of your mortgage.
• Specialized loan programs: No two borrowers are the same, and we know it. Whether you’re self-employed, a veteran, or have an income that doesn’t fit the typical 9-to-5 mold, we’ve got loan options that can work for you.
• Streamlined digital processes: Forget mountains of paperwork and endless wait times. Our tech-savvy approach means you can upload documents, get pre-approved, and track your loan progress with just a few clicks.
• Personalized customer support: Our loan specialists take the time to understand your unique financial situation and provide advice that makes sense for your life.
• Nationwide lending capabilities: From Hawaii to the mainland, we’ve got you covered. We offer flexible mortgage solutions with a personal touch that makes you feel like you’re working with a local team, no matter where you are.

Get Pre-Approved for a Mortgage in Honolulu County

Ready to make your move in paradise? From downtown high-rises to North Shore retreats, Honolulu County offers endless possibilities. Connect with Griffin Funding to explore your mortgage options or refinance your mortgage. Our experienced mortgage team knows what it takes to succeed in this unique market.