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Find Mortgage Refinance Companies Near You in Pearl City, HI
Looking for a mortgage refinance company 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 refinance companies 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.
Lōkahi Federal Credit Union
1260 Kuala St, Pearl City, HI 96782
8084231391
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 refinance companies in Pearl City Hawaii help homeowners adjust their loan terms or lower their interest rates. Under Hawaii law borrowers have a three day right of rescission for most refinances on a primary residence. This cooling off period allows you to cancel the loan without penalty if you change your mind.
What Does a Mortgage Refinance Company in Pearl City Cost?
Typical costs for a mortgage refinance in Hawaii include an appraisal fee of 400 to 700 dollars and lender origination fees of 0.5 to 1.0 percent of the loan amount. Closing costs in Hawaii often range from 2,000 to 5,000 dollars but can be higher for complex properties. 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 refinance a mortgage in Pearl City?
You typically need pay stubs tax returns bank statements and a photo ID. Hawaii lenders may also require a recent property appraisal to confirm the homes current value.
How long does a mortgage refinance take in Hawaii?
A standard refinance in Hawaii usually 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.
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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.