Compare Mortgage Refinance Companies in Lihue, HI
Directory of mortgage refinance companies in Lihue, Hawaii. Verify credentials with the state state mortgage licensing authority before hiring.
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 13 mortgage refinance companies 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 refinance companies in Lihue help homeowners adjust their loan terms or lower their interest rates. Hawaii law requires lenders to follow specific disclosure rules under Chapter 480 of the Hawaii Revised Statutes. Local companies understand the unique Kauai real estate market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Lihue Cost?
Typical costs for refinancing a mortgage in Hawaii include an appraisal fee of 400 to 700 dollars, title search and insurance of 800 to 1500 dollars, and lender origination fees of 0.5 to 1.5 percent of the loan amount. Recording fees and general excise tax add several hundred dollars more. Total closing costs often range from 3000 to 7000 dollars depending on the loan size and lender. 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 Lihue?
You typically need recent pay stubs, tax returns, bank statements, and a copy of your current mortgage statement. Hawaii lenders may also ask for proof of homeowners insurance and a property appraisal.
How long does a mortgage refinance take in Hawaii?
A standard refinance in Hawaii usually takes 30 to 45 days from application to closing. Delays can occur if the property is in a lava zone or if title issues arise.
Are there Hawaii specific rules for refinancing a mortgage?
Yes. Hawaii law requires lenders to provide a Truth in Lending disclosure within three business days of application. Also, if you refinance a Hawaii property, you must pay general excise tax on the loan amount.