Mortgage Lenders in Lihue, HI
Browse mortgage lenders serving Lihue, Hawaii. Contact information and addresses listed below.
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 14 mortgage lenders in Lihue, 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.
Mortgage lenders in Lihue, Hawaii help home buyers and homeowners secure financing for residential properties. Hawaii has unique laws regarding condominium association disclosures and leasehold property loans. Local lenders understand the specific requirements for properties on Kauai, including flood zone considerations and volcanic hazard zone disclosures.
What Does a Mortgage Lender in Lihue Cost?
Typical costs for a mortgage in Lihue include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of $500 to $800, and title insurance costs of $1,500 to $3,000. Hawaii also charges a conveyance tax of $0.10 per $100 of the sale price for properties under $600,000. These costs vary by lender and property type. 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 documents do I need for a mortgage in Lihue?
You typically need tax returns, pay stubs, bank statements, and a valid Hawaii drivers license or state ID. If the property is leasehold, you must also provide a copy of the lease agreement and proof of lease rent payments.
Are there special loan programs for Hawaii residents?
Yes, the Hawaii Housing Finance and Development Corporation offers the Hula Mae Single Family loan program for first time home buyers. This program provides competitive rates and down payment assistance for qualified residents.
How long does the mortgage process take in Hawaii?
The typical mortgage process in Hawaii takes 30 to 45 days from application to closing. However, leasehold properties or condominiums may require additional time for association document review and approval.