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Browse fha loan specialists serving Waipahu, Hawaii. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Waipahu, 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 3 fha loan specialists in Waipahu, 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.
Pearl Hawaii Federal Credit Union
94-449 Ukeʻe St, Waipahu, HI 96797
8087374328
Jessica Balanay
94-849 Lumiaina St Suite 105, Waipahu, HI 96797
8082638759
Aloha Lending Services, LLC
94-1024 Waipio Uka St # 207, Waipahu, HI 96797
8086710977
An FHA loan specialist in Waipahu can guide you through the process of obtaining a government backed mortgage. Hawaii has unique property value considerations and a high cost of living that may affect loan limits. A specialist helps you understand local appraisal requirements and documentation needed for approval.
What Does a FHA Loan Specialist in Waipahu Cost?
Typical costs for an FHA loan specialist in Hawaii include an origination fee of 1 to 1.75 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent. Additional costs may include appraisal fees of 500 to 800 dollars and title fees. 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 Waipahu?
An FHA loan specialist helps you prepare and submit a Federal Housing Administration insured mortgage application. They review your credit, income, and property details to ensure compliance with Hawaii specific guidelines. They also coordinate with local appraisers and lenders in Waipahu.
Are there Hawaii specific rules for FHA loans?
Yes, Hawaii has higher FHA loan limits due to elevated home prices. The maximum loan amount for a single family home in Honolulu County including Waipahu is currently over one million dollars. Special rules also apply to leasehold properties common in Hawaii.
How long does the FHA loan process take in Hawaii?
The typical FHA loan process in Hawaii takes 30 to 45 days from application to closing. Delays can occur if the property is on leased land or requires additional inspections. A specialist helps manage timelines and paperwork.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.