Home Equity Loan Specialists in Lahaina, HI
Compare home equity loan specialists in Lahaina. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Hawaii before hiring.
Showing 3 home equity loan specialists in Lahaina, HI
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A home equity loan specialist in Lahaina helps Maui homeowners access the equity in their property. Hawaii law requires lenders to follow specific disclosure rules under Hawaii Revised Statutes Chapter 480. Specialists guide clients through loan options including lump sum payouts and lines of credit for local needs like hurricane repairs or property improvements.
What Does a Home Equity Loan Specialist in Lahaina 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 range from 400 to 800 dollars. Closing costs may total 2 to 5 percent of the loan. Some lenders charge a flat fee of 500 to 1,500 dollars. 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 is a home equity loan specialist in Lahaina?
A home equity loan specialist is a licensed mortgage professional who helps homeowners borrow against their property value. In Hawaii these specialists must hold a valid mortgage loan originator license from the state Department of Commerce and Consumer Affairs.
How much equity do I need for a home equity loan in Hawaii?
Most lenders in Hawaii require at least 15 to 20 percent equity in your home. This means your loan balance must be no more than 80 to 85 percent of your propertys appraised value. Specific requirements vary by lender and loan type.
Are there Hawaii specific laws for home equity loans?
Yes Hawaii Revised Statutes Chapter 480F regulates mortgage loans including home equity loans. Lenders must provide a Truth in Lending disclosure and a right of rescission period of three business days. Hawaii also has strict rules about prepayment penalties and fee limits.