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Browse mortgage lenders serving Kapaʻa, Hawaii. Contact information and addresses listed below.
6 agents listed
Updated May 2026
Kapaʻa, 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 6 mortgage lenders 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.
Gather Federal Credit Union
985 Kipuni Way, Kapaʻa, HI 96746
8082456791
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
PayDayHawaii
4-901 Kuhio Hwy g, Kapaʻa, HI 96746
8088225115
Mortgage lenders in Kapaʻa, Hawaii help residents and buyers secure home loans for properties on Kauai. Hawaii law requires lenders to follow specific disclosure rules under Chapter 480 of the Hawaii Revised Statutes, which protects borrowers from unfair practices. Local lenders often understand the unique challenges of island real estate, such as lava zone designations and flood insurance requirements.
What Does a Mortgage Lender in Kapaʻa Cost?
Typical costs for a mortgage lender in Kapaʻa include an origination fee of 0.5% to 1% of the loan amount, plus appraisal fees of $500 to $800 and title insurance of $1,500 to $3,000. Closing costs in Hawaii generally range from 2% to 5% of the purchase price. 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 documents do I need to apply for a mortgage in Kapaʻa?
You will need proof of income, tax returns, bank statements, and identification. Hawaii lenders may also require a property survey and flood zone determination for Kauai homes.
Are there special loan programs for Hawaii residents?
Yes, the Hawaii Housing Finance and Development Corporation offers programs like the Hula Mae Single Family Mortgage Loan for first-time buyers. These programs have income limits and require homebuyer education.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.