Find Mortgage Refinance Companies in Kahului, HI
Browse mortgage refinance companies serving Kahului, 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 11 mortgage refinance companies in Kahului, 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 refinance companies in Kahului help homeowners adjust their loan terms or lower their interest rate. Hawaii law requires lenders to provide a Truth in Lending disclosure within three business days of application. Local companies understand Maui property values and the unique costs of island living.
What Does a Mortgage Refinance Company in Kahului Cost?
Typical costs for a mortgage refinance in Hawaii include an appraisal fee of 500 to 800 dollars, title insurance of 1,000 to 2,000 dollars, and lender origination fees of 0.5 to 1 percent of the loan amount. Recording fees with the State of Hawaii Bureau of Conveyances are about 50 to 100 dollars. Total closing costs often range from 3,000 to 8,000 dollars depending on 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 documents do I need to refinance a mortgage in Kahului?
You typically need pay stubs, tax returns, bank statements, and a valid Hawaii drivers license or state ID. Lenders also require a property appraisal for your Kahului home.
How long does a mortgage refinance take in Hawaii?
The process usually takes 30 to 45 days from application to closing. Hawaii law allows a three day rescission period after signing final documents.
Are there special refinance programs for Hawaii homeowners?
Yes, the Hawaii Housing Finance and Development Corporation offers the Hula Mae Single Family program for eligible borrowers. This program may provide lower rates for owner occupied homes.