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Find Mortgage Refinance Companies Near You in Kailua, HI
Directory of mortgage refinance companies in Kailua, Hawaii. Verify credentials with the state mortgage licensing authority before hiring.
14 agents listed
Updated May 2026
Kailua, 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 14 mortgage refinance companies in Kailua, 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.
Guild Mortgage - Ron Durant
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8087534622
Guild Mortgage Company
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8082634622
Guild Mortgage - Cathy Allen
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8082283322
Guild Mortgage - Gavin Brayce
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8082638746
Hawaii VA Loans
111 Hekili St #102, Kailua, HI 96734
8088245272
Guild Mortgage - Cindy Pagan
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8082638747
Mahi Loans
970 N Kalaheo Ave, Kailua, HI 96734
8082375500
John Dispirito
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8086474552
Guild Mortgage - Brooke Peters
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8083302247
HG Mortgage
354 Uluniu St #402, Kailua, HI 96734
8082617703
Guild Mortgage - Jessica Takayesu
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8082773693
Guild Mortgage - Michael Nakatsu
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8087234180
Imperial Mortgage LLC
1005 Keolu Dr, Kailua, HI 96734
8082636363
Guild Mortgage - Alice Brayce
970 N Kalaheo Ave Suite A304, Kailua, HI 96734
8082638742
Mortgage refinance companies in Kailua help homeowners adjust their loan terms or lower their monthly payments. Hawaii law requires lenders to follow specific disclosure rules under Chapter 454 of the Hawaii Revised Statutes. Local Kailua lenders understand the unique property values and market conditions on Oahu.
What Does a Mortgage Refinance Company in Kailua Cost?
Typical costs for a mortgage refinance in Hawaii include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 500 to 800 dollars, and title insurance costs of 1,000 to 2,000 dollars. Closing costs in Hawaii generally range from 2 to 5 percent of the loan principal. 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 Kailua Hawaii?
You will need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Hawaii lenders also require a property appraisal to confirm the home value in the Kailua market.
How long does a mortgage refinance take in Hawaii?
A typical refinance in Hawaii takes 30 to 45 days from application to closing. This timeline can vary based on the lender workload and the complexity of your financial situation.
Are there Hawaii specific laws for refinancing a mortgage?
Yes. Hawaii Revised Statutes Chapter 454 regulates mortgage brokers and loan originators. Lenders must provide a good faith estimate and a loan estimate within three business days of application.
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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.