Find FHA Loan Specialists Near You in Hilo, HI
Looking for a fha loan specialist in Hilo? Review the directory below to compare your options.
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the
State Mortgage Licensing Authority of Hawaii before hiring.
Showing 16 fha loan specialists in Hilo, HI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
An FHA loan specialist in Hilo helps homebuyers navigate government-backed mortgages with lower down payments and flexible credit requirements. Hawaii law requires all mortgage loan originators to be licensed through the Hawaii Division of Financial Institutions. Local specialists understand Hilo market conditions and can guide you through Hawaii specific property appraisal rules.
What Does a FHA Loan Specialist in Hilo Cost?
Typical costs for an FHA loan specialist in Hawaii include an origination fee of 1% to 1.5% of the loan amount and an upfront mortgage insurance premium of 1.75% of the base loan. Closing costs in Hilo range from 2% to 5% of the purchase price, including title insurance and escrow fees. Hawaii also charges a mortgage recording fee of about $50 per document. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an FHA loan specialist do in Hilo?
An FHA loan specialist helps you apply for a Federal Housing Administration insured loan. They review your finances, explain Hawaii specific closing costs, and guide you through the approval process. They also ensure your loan meets FHA property standards for Hawaii homes.
What are the FHA loan limits for Hilo Hawaii?
For 2025, the FHA loan limit for a single family home in Hawaii County is $1,149,825. This higher limit reflects Hawaii high median home prices. Your specialist can confirm the exact limit for your property type.
Do FHA loans require a Hawaii specific inspection?
Yes, FHA requires a property appraisal by an FHA approved appraiser familiar with Hawaii conditions. The appraiser checks for termite damage, foundation issues, and compliance with local building codes. This is different from a standard home inspection.