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 8 fha loan specialists in Kapolei, 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.
Ohana Mortgage Solutions - Steve Marks, Mortgage Broker
91-1011 Holunape St, Kapolei, HI 96707
(808) 517-5167
ohanamortgage.com
All Reverse Mortgage, Inc. (ARLO )
4880 Kapolei Pkwy k208, Kapolei, HI 96707
(808) 707-7737
reverse.mortgage
Hawaii Mortgage Experts
1001 Kamokila Blvd #303, Kapolei, HI 96707
(808) 674-4100
hawaiimortgageexperts.com
What Does a FHA Loan Specialist in Kapolei Cost?
Typical costs for an FHA loan specialist in Hawaii include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual mortgage insurance premiums of 0.55 to 0.85 percent. Origination fees usually range from 0.5 to 1.5 percent of the loan. Appraisal fees in Kapolei are around $500 to $700. These costs vary by lender and loan size. 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 Kapolei?
An FHA loan specialist guides borrowers through the FHA loan application process. They help with credit requirements, down payment assistance, and property eligibility. In Hawaii, specialists also address local issues like leasehold properties and lava zone restrictions.
What are FHA loan limits for Kapolei Hawaii?
FHA loan limits for Kapolei are set by the Federal Housing Administration and vary by county. For Honolulu County which includes Kapolei, the 2025 limit for a single family home is typically around $1,209,750. These limits are higher than the standard due to high cost housing in Hawaii.
Are there Hawaii specific rules for FHA loans?
Yes Hawaii has unique rules. For example, condominium projects must be on the FHA approved list which can be limited in Hawaii. Also, properties in lava flow hazard zones 1 or 2 may require additional insurance. Leasehold properties must have at least 10 years remaining on the lease for FHA eligibility.