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Directory of mortgage refinance companies in Waipahu, Hawaii. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Waipahu, 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 5 mortgage refinance companies in Waipahu, 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.
Pearl Hawaii Federal Credit Union
94-449 Ukeʻe St, Waipahu, HI 96797
8087374328
OneMain Financial
94-866 Moloalo St Ste D-2, Waipahu, HI 96797
8086715466
Aloha Lending Services, LLC
94-1024 Waipio Uka St # 207, Waipahu, HI 96797
8086710977
Robert Glover -VA Loan Battle Buddy
94-539 Puahi St, Waipahu, HI 96797
8083213717
VIP Mortgage
94-229 Waipahu Depot St Suite 409, Waipahu, HI 96797
8086768771
A mortgage refinance company in Waipahu can help you lower your monthly payment or change your loan terms. Hawaii has specific rules regarding prepayment penalties and escrow accounts that borrowers should understand. Working with a local company familiar with Oahu property values and Hawaii Revised Statutes Chapter 454F can make the process smoother.
What Does a Mortgage Refinance Company in Waipahu Cost?
Typical costs for a mortgage refinance in Hawaii include an appraisal fee of $500 to $800, title insurance of $1,000 to $2,500, and lender origination fees of 0.5% to 1% of the loan amount. Hawaii recording fees and conveyance taxes add several hundred dollars. Total closing costs often range from $3,000 to $7,000 depending on loan size and property value. 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 my mortgage in Waipahu?
You typically need recent pay stubs, tax returns, bank statements, and a copy of your current mortgage statement. Hawaii lenders may also require a valid Hawaii drivers license or state ID. Your refinance company will provide a full list based on your situation.
How long does a mortgage refinance take in Hawaii?
A standard refinance in Hawaii usually takes 30 to 45 days from application to closing. This timeline can vary based on appraisal availability on Oahu and the lenders current workload. Hawaii law does not set a specific time limit for the process.
Are there Hawaii specific fees for refinancing?
Yes, Hawaii charges a mortgage recording fee which is based on the loan amount. There is also a conveyance tax on the mortgage document. These fees are in addition to typical lender fees and title insurance costs.
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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.