Find FHA Loan Specialists Near You in Lihue, HI
Compare fha loan specialists in Lihue. Review contact information and insurance categorys before you decide.
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 Lihue, HI
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An FHA loan specialist in Lihue helps buyers secure government-backed mortgages with lower down payments and flexible credit requirements. Hawaii specific factors include high property values and unique condominium approval rules for FHA loans. Local specialists understand Kauai market conditions and can guide you through the FHA loan process.
What Does a FHA Loan Specialist in Lihue Cost?
FHA loan specialist fees in Hawaii typically range from 1% to 2% of the loan amount. Upfront mortgage insurance premium is 1.75% of the loan. Annual mortgage insurance premiums vary from 0.45% to 1.05% depending on loan term and down payment. Closing costs in Lihue average 3% to 5% of the purchase price. 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 are the FHA loan limits for Lihue Hawaii?
FHA loan limits for Kauai County in 2025 are higher than standard limits due to high cost area designation. For a single family home the limit is approximately $1,149,825. Check with a specialist for current exact figures.
Do I need a special inspection for an FHA loan in Hawaii?
Yes, FHA requires a property appraisal and inspection by an FHA approved appraiser. Hawaii specific concerns include termite damage and foundation issues from volcanic soil. The appraiser will check for safety and livability.
How long does an FHA loan take to close in Lihue?
Typical FHA loan closing in Hawaii takes 30 to 45 days. Delays can occur due to appraisal availability on Kauai or condominium certification issues. Your specialist will provide a timeline estimate based on your situation.