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 3 home equity loan specialists in Mililani, 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.
OneMain Financial
95-1249 Meheula Pkwy Ste 124, Mililani, HI 96789
(808) 625-0422
onemainfinancial.com
Lōkahi Federal Credit Union
95-1249 Meheula Pkwy Suite A-15, Mililani, HI 96789
(808) 423-1391
hickamfcu.org
What Does a Home Equity Loan Specialist in Mililani Cost?
Typical costs for a home equity loan in Hawaii include an origination fee of 0.5 to 1.5 percent of the loan amount. Appraisal fees range from 500 to 800 dollars and title insurance costs about 1,000 to 2,000 dollars. Other fees may include credit report charges and recording fees of around 50 dollars. Total closing costs often total 2 to 5 percent of the loan amount. 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 Mililani?
A home equity loan specialist is a licensed mortgage professional who helps homeowners borrow against the equity in their home. In Hawaii, they must comply with the Hawaii Revised Statutes Chapter 454F regarding mortgage loan originators. They assist with loan options like home equity lines of credit and lump sum loans.
What are the requirements for a home equity loan in Hawaii?
You typically need at least 15 to 20 percent equity in your home a good credit score and proof of income. Hawaii law requires lenders to provide a Loan Estimate within three business days of application. The loan amount is based on your propertys appraised value minus any existing mortgage balance.
How long does it take to get a home equity loan in Mililani?
The process usually takes 30 to 45 days from application to funding. This includes appraisal underwriting and a mandatory three day waiting period after you sign the final documents. Delays can occur if the property is in a lava zone or has title issues common in Hawaii.