Residential Mortgage Services in Hawaii – New Loans, Refinances & HELOCs

Intro Paragraph:

At Hawaii Capital Partners, we’re proud to offer comprehensive residential mortgage services across all Hawaiian Islands—from Honolulu to Hilo, Maui to Kauaʻi. Whether you're purchasing a home, refinancing your current mortgage, or looking to tap into home equity, our locally tailored solutions provide fast, transparent, and personalized support every step of the way.

Our Mortgage Products

Home Purchase Loans (New Home Financing)

  • Conventional, FHA, VA, USDA, and Jumbo loans

  • First-time buyer programs available

  • Competitive interest rates and flexible term options

Mortgage Refinancing

  • Rate-and-term refinance to lower your payments or shorten your term

  • Cash-out refinancing when you need to access equity

  • Consolidate debt or fund home improvements

Home Equity Lines of Credit (HELOCs)

  • Flexible access to your home’s equity

  • Ideal for renovations, tuition, or debt consolidation

  • Simple draw and repayment structure

Why Choose Hawaii Capital Partners for Your Mortgage?

  • Hawaii-Based Expertise: We understand how local regulations, zoning, and construction timelines impact home lending.

  • All-Island Coverage: From Oʻahu and Maui to the Big Island and Kauaʻi—we can serve your mortgage needs wherever your home is located.

  • Fast, Streamlined Process: Our in-house underwriting process minimizes delays—get approved and funded quickly.

  • Transparent Pricing: No hidden fees—ever. We’ll clearly present rates, closing costs, and loan terms before you commit.

  • Guided Support: Work with a local mortgage advisor from initial quote through closing—no jargon, just clear communication.

Typical Loan Examples

Property TypeLoan TypeLoan AmountPurposeSingle-Family HomePurchase$700,000Buyer of family home in KailuaOʻahu CondoRate-and-Term Refinance$450,000Reduced monthly paymentMaui ResidenceCash-Out Refinance$800,000Fund renovation and pay off high-rate credit card debtBig Island HomeHELOC$150,000Scheduled for kitchen remodel

How It Works

  1. Apply Online or Call Us (808-720-0222) – Share a few basic details; no obligation.

  2. Loan Estimate Issued – We’ll send you competitive rate options and cost breakdown.

  3. Underwriting & Appraisal – Quick evaluation focused on making this simple for you.

  4. Approval & Closing – Sign and fund—move forward with confidence.

Call-to-Action:

Ready to get started?
Contact us today at (808) 720-0222 or click below to learn which mortgage best suits your Hawaii home financing goals: