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 15 home equity 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 - Prince Kuhio Plaza
111 Puainako St, Hilo, HI 96720
(808) 930-1400
hfsfcu.org
Nicolette "Niki" Hubbard, Mortgage Loan Officer
99 Aupuni St Suite 214, Hilo, HI 96720
(808) 936-7673
pacificislelending.com
Pacific Isle Lending Group, LLC Ho'olaea Andrade - Licensed Mortgage Loan Officer
99 Aupuni St Suite 214, Hilo, HI 96720
(808) 960-0040
pacificislelending.com
Equity Hawaii Real Estate
804 Kilauea Ave, Hilo, HI 96720
(808) 319-9913
hartvigsen.joinequityre.com
Family Mortgage Company of Hawaii, Inc.: Donna Dodd
762 Kanoelehua Ave Suite C, Hilo, HI 96720
(808) 935-0678
fmcoh.com
What Does a Home Equity Loan Specialist in Hilo Cost?
Typical costs for a home equity loan specialist in Hawaii include an origination fee of 0.5 to 1.5 percent of the loan amount, appraisal fees from 400 to 800 dollars, and closing costs ranging from 2,000 to 5,000 dollars. These costs vary by lender and loan size. 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 is a home equity loan specialist in Hilo?
A home equity loan specialist is a professional who helps homeowners in Hilo apply for loans secured by their home equity. They guide you through paperwork, explain terms, and connect you with lenders. Hawaii law requires these specialists to be licensed under the Mortgage Loan Originator rules.
How do I qualify for a home equity loan in Hawaii?
You typically need at least 20 percent equity in your home, a good credit score, and stable income. Hawaii lenders also consider the property value in Hilo, which can vary by neighborhood. Some lenders may require a home appraisal to confirm the value.
Are there Hawaii-specific rules for home equity loans?
Yes, Hawaii Revised Statutes Chapter 480A covers unfair and deceptive acts in lending, including home equity loans. Lenders must provide clear disclosures about fees and interest rates. Hawaii also has a three-day right of rescission for certain loans, allowing you to cancel without penalty.