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Compare fha loan specialists in Hilo. Review contact information and insurance categorys before you decide.
16 agents listed
Updated May 2026
Hilo, 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 16 fha loan specialists in Hilo, 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.
HFS Federal Credit Union - Hilo
632 Kinoole St, Hilo, HI 96720
8089301400
HFS Federal Credit Union - Prince Kuhio Plaza
111 Puainako St, Hilo, HI 96720
8089301400
Family Mortgage Company of Hawaii Inc.: Jon Kimura & Donna Dodd
762 Kanoelehua Ave Suite C, Hilo, HI 96720
8089350678
Nicolette "Niki" Hubbard, Mortgage Loan Officer
99 Aupuni St Suite 214, Hilo, HI 96720
8089367673
Academy Mortgage
234 Waianuenue Ave Suite 103 & 104, Hilo, HI 96720
Family Mortgage Company of Hawaii, Inc.: Donna Dodd
762 Kanoelehua Ave Suite C, Hilo, HI 96720
8089350678
Finance Integrity LLC
17 Furneaux Ln #201, Hilo, HI 96720
8089616099
Patricia Erbschloe
32 Kinoole St STE 101, Hilo, HI 96720
5738322225
Finance Factors
605 Laukapu St #101, Hilo, HI 96720
8089356811
April Muir Giordanengo, NMLS #2123427
688 Kinoole St Suite 209, Hilo, HI 96720
8089610605
CMG Home Loans
99 Aupuni St Suite 218-220, Hilo, HI 96720
8555808409
An FHA loan specialist in Hilo helps homebuyers navigate government-backed mortgages with lower down payments and flexible credit requirements. Hawaii law requires all mortgage loan originators to be licensed through the Hawaii Division of Financial Institutions. Local specialists understand Hilo market conditions and can guide you through Hawaii specific property appraisal rules.
What Does a FHA Loan Specialist in Hilo Cost?
Typical costs for an FHA loan specialist in Hawaii include an origination fee of 1% to 1.5% of the loan amount and an upfront mortgage insurance premium of 1.75% of the base loan. Closing costs in Hilo range from 2% to 5% of the purchase price, including title insurance and escrow fees. Hawaii also charges a mortgage recording fee of about $50 per document. 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 does an FHA loan specialist do in Hilo?
An FHA loan specialist helps you apply for a Federal Housing Administration insured loan. They review your finances, explain Hawaii specific closing costs, and guide you through the approval process. They also ensure your loan meets FHA property standards for Hawaii homes.
What are the FHA loan limits for Hilo Hawaii?
For 2025, the FHA loan limit for a single family home in Hawaii County is $1,149,825. This higher limit reflects Hawaii high median home prices. Your specialist can confirm the exact limit for your property type.
Do FHA loans require a Hawaii specific inspection?
Yes, FHA requires a property appraisal by an FHA approved appraiser familiar with Hawaii conditions. The appraiser checks for termite damage, foundation issues, and compliance with local building codes. This is different from a standard home inspection.
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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.