Find FHA Loan Specialists Near You in Aiea, HI
Looking for a fha loan specialist in Aiea? Review the directory below to compare your options.
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 7 fha loan specialists in Aiea, HI
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An FHA loan specialist in Aiea, Hawaii helps homebuyers navigate FHA-insured mortgages, which are popular on Oahu due to lower down payment requirements. Hawaii law requires lenders to provide specific disclosures, including the Mortgage Loan Disclosure Statement under Hawaii Revised Statutes Chapter 454F. Specialists can guide you through local property appraisal rules and Hawaii-specific flood zone requirements.
What Does a FHA Loan Specialist in Aiea Cost?
Typical costs for an FHA loan specialist in Hawaii include an origination fee of 1% to 1.75% of the loan amount, plus an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan. Annual mortgage insurance premiums range from 0.45% to 1.05% of the loan balance. Third-party costs like appraisal (around $500 to $700) and title search (around $800 to $1,200) also apply. These costs vary by lender and property. 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 does an FHA loan specialist in Aiea do?
An FHA loan specialist helps you apply for a Federal Housing Administration loan. They review your credit, income, and property eligibility. They also ensure compliance with Hawaii lending laws and FHA guidelines.
What are the FHA loan limits for Aiea Hawaii?
For 2025, FHA loan limits in Honolulu County, which includes Aiea, are higher than standard limits due to high housing costs. The floor limit is $498,257, and the ceiling limit is $1,149,825 for single-family homes. Check with a specialist for current limits.
How long does an FHA loan process take in Hawaii?
The typical FHA loan process in Hawaii takes 30 to 45 days from application to closing. Delays can occur due to Hawaii specific requirements like volcanic zone disclosures or condominium project approvals. Your specialist can provide a timeline based on your situation.