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 5 mortgage brokers in Kapaʻa, 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.
Kauai Dreams Realty
4-1435 Kuhio Hwy Suite 2, Kapaʻa, HI 96746
8088227774
First Hawaiian Bank Kapaa Branch
4-1366 Kuhio Hwy, Kapaʻa, HI 96746
8088224966
Andrew Templeman-González | Mortgage Loan Officer
4780 Iiwi Rd #1, Kapaʻa, HI 96746
8086357157
American Savings Bank - Digital Center
4-831 Kuhio Hwy Ste. 150, Kapaʻa, HI 96746
8002722566
Hawaiʻi Life
4-1379 Kuhio Hwy Suite 101, Kapaʻa, HI 96746
8003703848
What Does a Mortgage Broker in Kapaʻa Cost?
Mortgage broker fees in Hawaii typically range from 1% to 3% of the loan amount. For a $500,000 home, this means $5,000 to $15,000 in broker costs. Some brokers charge a flat fee instead of a percentage. Additional costs may include application fees and processing fees. 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 license does a mortgage broker need in Hawaii?
Mortgage brokers in Hawaii must hold a valid license from the Hawaii Department of Commerce and Consumer Affairs. They must also pass a background check and complete continuing education each year.
How long does a typical home loan process take in Kapaʻa?
A standard home loan in Hawaii usually takes 30 to 45 days from application to closing. Delays can occur if the property is in a lava zone or has title issues common on older Kauai homes.
Are there special loan programs for Hawaii residents?
Yes, the Hawaii Housing Finance and Development Corporation offers down payment assistance and low-interest loans for qualified first-time buyers. USDA loans are also available for rural areas of Kauai including parts of Kapaʻa.