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Directory of mortgage lenders in Waipahu, Hawaii. Verify credentials with the state mortgage licensing authority before hiring.
9 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 9 mortgage lenders 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
OneMain Financial
94-866 Moloalo St Ste D-2, Waipahu, HI 96797
8086715466
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
Justin Akuna - Infinite Financial, LLC
94-1024 Waipio Uka St # 207, Waipahu, HI 96797
8082184095
Robert Glover -VA Loan Battle Buddy
94-539 Puahi St, Waipahu, HI 96797
8083213717
Skip Thompson
94-849 Lumiaina St Suite 206, Waipahu, HI 96797
8084521659
VIP Mortgage
94-229 Waipahu Depot St Suite 409, Waipahu, HI 96797
8086768771
Gary Kwock
94-849 Lumiaina St Suite 206, Waipahu, HI 96797
8082638741
Mortgage lenders in Waipahu Hawaii help residents finance home purchases and refinance existing loans. Hawaii has unique property laws including a general excise tax on real estate transactions. Local lenders understand the Waipahu market and can guide you through the process.
What Does a Mortgage Lender in Waipahu Cost?
Typical costs for a mortgage in Hawaii include an origination fee of 0.5 to 1 percent of the loan amount. Appraisal fees range from 500 to 800 dollars. Closing costs usually total 2 to 5 percent of the purchase price. Hawaii also charges a general excise tax of 0.15 percent on the loan amount. Note that 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 documents do I need to apply for a mortgage in Waipahu?
You typically need pay stubs tax returns bank statements and photo ID. Hawaii lenders may also ask for proof of Hawaii residency if you are a recent arrival.
How long does the mortgage process take in Hawaii?
The process usually takes 30 to 45 days from application to closing. Hawaii law requires a title search and escrow period which can add a few days.
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Legal Notice
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.