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Looking for a mortgage lender in Pearl City? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Pearl City, 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 3 mortgage lenders in Pearl City, 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.
Money Mart
719 Kamehameha Hwy a101, Pearl City, HI 96782
8084553500
Finance Factors
850 Kamehameha Hwy # 161, Pearl City, HI 96782
8084532100
Cardinal Financial Company, Limited Partnership
1626 Hoopai Pl, Pearl City, HI 96782
8083793784
Mortgage lenders in Pearl City Hawaii help residents secure home loans for purchasing or refinancing property. Hawaii has unique laws regarding condominium association documents and leasehold properties that borrowers must review. Working with a local lender who understands these requirements can simplify the loan process.
What Does a Mortgage Lender in Pearl City Cost?
Typical costs for a mortgage lender in Hawaii include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 500 to 800 dollars, and title insurance costs of 1,500 to 3,000 dollars. Closing costs in Hawaii usually range from 2 to 5 percent of the purchase price. These costs can vary based on the loan type and property location. 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 documents do I need to apply for a mortgage in Pearl City?
You will need pay stubs, tax returns, bank statements, and photo ID. Hawaii lenders also require a copy of the property title and any leasehold or condominium documents. Additional documents may be needed for self employed borrowers.
How long does the mortgage process take in Hawaii?
The typical mortgage process in Hawaii takes 30 to 45 days from application to closing. Delays can occur if the property is in a lava zone or requires special flood insurance. Your lender will provide a timeline based on your specific loan type.
Are there special mortgage programs for Hawaii residents?
Yes, the Hawaii Housing Finance and Development Corporation offers down payment assistance and low interest loans for first time buyers. The USDA Rural Development loan is also available in parts of Pearl City. Check with your lender to see if you qualify for these programs.
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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.