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Directory of fha loan specialists in Kapolei, Hawaii. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Kapolei, 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 8 fha loan specialists in Kapolei, 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.
Hawaii VA Loans
338 Kamokila Blvd #202, Kapolei, HI 96707
8088245272
Ohana Mortgage Solutions - Steve Marks, Mortgage Broker
91-1011 Holunape St, Kapolei, HI 96707
8085175167
High Five Lending
2176 Lauwiliwili St Ste 1, Kapolei, HI 96707
8083980855
Brad Vilgos - VA Loan Specialist
338 Kamokila Blvd #202, Kapolei, HI 96707
8089273788
All Reverse Mortgage, Inc. (ARLO )
4880 Kapolei Pkwy k208, Kapolei, HI 96707
8087077737
Hawaii Mortgage Experts
1001 Kamokila Blvd #303, Kapolei, HI 96707
8086744100
Ohana Mortgage Solutions
91-1011 Holunape St, Kapolei, HI 96707
8084363646
DHI Mortgage
91-4116 Hikuha Street, Kapolei, HI 96707
8082084509
An FHA loan specialist in Kapolei can help you navigate the process of obtaining a government backed mortgage. Hawaii has unique property laws and high median home prices that affect FHA loan limits. Working with a local specialist ensures you understand Hawaii specific requirements such as condominium project approvals and flood zone insurance.
What Does a FHA Loan Specialist in Kapolei Cost?
Typical costs for an FHA loan specialist in Hawaii include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual mortgage insurance premiums of 0.55 to 0.85 percent. Origination fees usually range from 0.5 to 1.5 percent of the loan. Appraisal fees in Kapolei are around $500 to $700. These costs vary by lender and 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 does an FHA loan specialist do in Kapolei?
An FHA loan specialist guides borrowers through the FHA loan application process. They help with credit requirements, down payment assistance, and property eligibility. In Hawaii, specialists also address local issues like leasehold properties and lava zone restrictions.
What are FHA loan limits for Kapolei Hawaii?
FHA loan limits for Kapolei are set by the Federal Housing Administration and vary by county. For Honolulu County which includes Kapolei, the 2025 limit for a single family home is typically around $1,209,750. These limits are higher than the standard due to high cost housing in Hawaii.
Are there Hawaii specific rules for FHA loans?
Yes Hawaii has unique rules. For example, condominium projects must be on the FHA approved list which can be limited in Hawaii. Also, properties in lava flow hazard zones 1 or 2 may require additional insurance. Leasehold properties must have at least 10 years remaining on the lease for FHA eligibility.
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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.