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Compare fha loan specialists in Kapaʻa. Review contact information and insurance categorys before you decide.
5 agents listed
Updated May 2026
Kapaʻa, HI
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 Hawaii before hiring.
Showing 5 fha loan specialists in Kapaʻa, 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.
Gather Federal Credit Union
985 Kipuni Way, Kapaʻa, HI 96746
8082456791
First Hawaiian Bank Kapaa Branch
4-1366 Kuhio Hwy, Kapaʻa, HI 96746
8088224966
Andrew Templeman-González | Mortgage Loan Officer
4780 Iiwi Rd #1, Kapaʻa, HI 96746
8086357157
American Savings Bank - Digital Center
4-831 Kuhio Hwy Ste. 150, Kapaʻa, HI 96746
8002722566
Hawaiʻi Life
4-1379 Kuhio Hwy Suite 101, Kapaʻa, HI 96746
8003703848
An FHA loan specialist in Kapaʻa, Hawaii helps buyers navigate government-backed mortgages with lower down payments. Hawaii has unique property laws and high median home prices, so specialists often focus on local appraisal rules and condominium project approvals. These professionals guide you through FHA loan limits, which in Kauai County are higher than the national standard due to the high cost of living.
What Does a FHA Loan Specialist in Kapaʻa Cost?
Typical costs for an FHA loan specialist in Hawaii include an origination fee of 1% of the loan amount, plus third-party fees for appraisal, credit report, and title search. In Kapaʻa, appraisal fees range from $500 to $800, and title services cost $1,000 to $2,000. The upfront mortgage insurance premium is 1.75% of the loan amount, and annual MIP is 0.55% to 0.85%. Costs vary by situation. This is general information, 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 Kapaʻa?
An FHA loan specialist in Kapaʻa helps you qualify for a Federal Housing Administration loan. They review your credit, income, and property details to ensure compliance with FHA rules. They also handle local requirements like Hawaii condominium project certifications.
What are FHA loan limits for Kapaʻa in 2025?
For 2025, the FHA loan limit for a single-family home in Kauai County is $1,209,750. This high limit reflects the area's elevated median home prices. Limits may change yearly based on federal guidelines.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Hawaii.