Hawaii Rates & Home Loans

home with a view in Honolulu, HI

Getting mortgage financing in Hawaii is easier than you think when working with a knowledgeable loan officer who has closed transactions in Hawaii from homes just steps to the beach, a residence within a resort, to private estates or hillside homes with ocean views.

No matter if you are buying or refinancing in Honolulu, Kauai, Maui, Oahu, Wailea, or along the Kailua Kona Coast, one can still obtain competitive financing on a home in a dream setting. Loans are available on fixed terms of 5, 7 & 10 years then it converts to adjustable rate or you can stick with the traditional 30-year and 15-year rate fixed programs. Keep in mind that interest rates may vary from lender to lender.

Counties Conforming
Loan Limits
Four-Unit Limits
Hawaii  $625,500 $1,202,925
Honolulu  $721,050 $1,386,650
Kalawao $657,800 $1,265,000
Kauai  $713,000 $1,371,150
Maui  $657,800 $1,265,000

Special Exception Areas 2014 FHA Loan Limits

  • 1-unit : $938,250
  • 2-units : $1,201,150
  • 3-units : $1,451,925
  • 4-units : $1,804,375

These "special exception" loan limits apply to certain areas in Hawaii, Alaska, Guam, and the U.S. Virgin Islands

  • Oahu
  • Kahala
  • Portlock
  • Lanikai
  • Kailua
  • Big Island
  • Kilauea
  • Kukio
  • Mauna Lani
  • Mauna Kea
  • Hualalai
  • Honolulu
  • Waikiki
  • Waialae Iki
  • Loa Ridge


Find a mortgage lender to get financing in » Honolulu | Kauai

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