Mortgages in Maui County

Where We Lend

As an experienced Maui County mortgage lender, we assist home buyers throughout these vibrant communities:

Our Hawaii mortgage services extend across all of Maui County’s islands, including Lanai and Molokai.

Types of Mortgages Available in Maui County

Success in Maui’s real estate market often comes down to having the right financing in place. Here are the Maui County home loan options we provide:

• DSCR Loans: These loans help you break into Maui’s lucrative vacation rental market. Instead of traditional income requirements, we look at your property’s potential rental earnings for qualification. This approach works especially well in popular tourist destinations from Kaanapali to Wailea. Many investors use DSCR loans to build their portfolios in Maui’s year-round rental market.
• Asset-Based Loans: These loans consider your liquid assets as income for qualification purposes. Your investments and savings can help you secure financing without disrupting your financial strategy. This method provides flexibility for buyers with significant resources but non-traditional income. Many retirees and investors find this option particularly valuable in Maui’s high-value market.
• Bank Statement Loans: These loans are designed with Maui’s independent business owners in mind. Your bank statement history serves as income verification, bypassing typical documentation requirements. This approach works well for entrepreneurs and self-employed professionals in our island economy. Seasonal business owners particularly benefit from this flexible income verification method.
• Home Equity Loans: These loans let you access the value you’ve built in your Maui property. Whether you want to finance an investment property or tackle renovations, this option lets you tap into your equity. Keep your current mortgage while accessing funds for improvements or other needs. Many homeowners use this option to adapt their properties to Maui’s unique climate and lifestyle.
• FHA Loans: These mortgages help you step into Maui’s housing market with more attainable down payment requirements. These mortgages feature flexible qualification guidelines and competitive terms. They’re especially valuable for first-time buyers entering the market. The program’s flexibility helps many buyers overcome the challenges of Maui’s higher property values.
• VA Loans: These loans provide specialized financing for military service members and veterans. They offer the possibility of no down payment and excellent terms. Service members stationed in Hawaii can benefit from these specialized programs. The program’s benefits are particularly valuable given Maui’s higher cost of living.
• USDA Loans: These mortgages help finance homes in Maui County’s rural communities with no down payment required. These loans help make homeownership possible in qualifying areas. They’re perfect for buyers looking at properties in Maui’s upcountry regions or on Molokai. Many families use USDA loans to access more affordable housing options away from tourist areas.
• Conventional Loans: These mortgages provide standard financing that works well for qualified buyers. These traditional mortgages offer reliable terms and straightforward processes. They are ideal for those with strong credit and established income. Many buyers choose conventional loans for their predictable terms and consistent closing timelines.
• ITIN Loans: These specialized mortgages are created for non-U.S. citizens seeking property ownership in Maui County. You can use your Individual Taxpayer Identification Number instead of a Social Security number to qualify.
• Private Money Loans: These loans provide quick financing when traditional routes don’t fit your timeline. These flexible loans accommodate unique situations and faster closing needs. They are useful for competitive property situations or special circumstances. Many buyers use private money loans to secure properties in Maui’s fast-moving market segments.

How to Get a Home Loan in Maui County

Interested in getting a Maui County mortgage? Here’s exactly what to expect with Griffin Funding:

1. Financial review: Assess your credit, income, and available funds for your down payment. Our team helps you understand Maui’s unique market conditions and price points. Getting your finances in order early sets you up for success.
2. Pre-approval: Upload your documents and get a clear picture of your buying power. A pre-approval letter makes your offers more competitive in Maui’s market. We’ll outline the loan programs you qualify for and explain the benefits of each.
3. Property search: Collaborate with a realtor who understands Maui’s distinct regions. Finding the right location is crucial, whether you’re drawn to oceanfront condos or quiet upcountry properties. Your agent’s local knowledge helps identify properties that match both your lifestyle and budget.
4. Application process: Move forward with your chosen property by submitting your formal application. We coordinate everything from property appraisal to title work. Our knowledgeable team members will keep you informed about timelines and any additional documentation needed.
5. Closing day: Sign your final paperwork and receive your keys. We review all terms and conditions so you understand your loan completely. We ensure every detail is handled correctly, from wire transfers to final signatures.

Need quick access to your loan status? Download the Griffin Gold app to track progress and upload documents securely.

Why Work With Griffin Funding?

When you work with Griffin Funding, you get more than just a Maui County mortgage loan. Here’s what we offer:

• Local expertise: Understanding Maui’s unique real estate landscape affects everything from appraisals to loan terms. Our team knows the difference between Kihei condos and upcountry estates. This local knowledge helps you get better loan terms for specific properties and locations.
• Competitive rates: As a direct lender, we set our own rates and make our own decisions. No middleman means better pricing and faster approvals. You’ll work directly with our team from start to finish.
• Program variety: Every buyer’s situation is different, and our loan options reflect that. We have programs to match your goals, from refinancing your mortgage to purchasing a vacation rental.
• Efficient process: Our digital platform takes the hassle out of mortgage applications. Upload documents instantly, check your status anytime, and close faster. Technology streamlines everything while our team handles the details.
• Creative solutions: Standard programs don’t always work in Maui’s distinctive market. Whether you need to refinance your mortgage, finance an ADU, or structure a unique purchase, we find ways to make it work.

Apply for a Mortgage in Maui County

Maui County offers incredible opportunities, from beachfront properties to upcountry estates. Each area brings its own charm, whether you’re drawn to bustling Kahului or the serenity of Hana. Ready to explore your options? Connect with Griffin Funding to discuss your Maui County home loan needs and start your journey toward island property ownership.