5 Best Mortgage Lenders in Hawaii 2019

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If you’re a repeat or first time home buyer looking to purchase a home in Hawaii, there are some amazing mortgage solutions available to you. Hawaii is home to around 1.4 million people, and with today’s mortgage rates as low as they are, the housing market is ready for serious home buyers. Home values have increased by roughly 4.7 percent between December of 2017 through 2018 and are forecasted to rise another 6.9% through 2019.

The rising home values make it essential for home buyers on the market for a mortgage loan to do everything they can to keep their housing costs as low as possible. Getting a great mortgage would probably be the best place to start. And, whether you’re looking for fixed rate or adjustable rate mortgages, FHA, VA, or USDA home loan options that offer amazing benefits like low interest rates or flexible down payment requirements, loans to cover the purchase and repair of a home, or even a large enough jumbo loan to purchase your dream home outright, The first step is to find the right lender.

In this article, we’ll review the best mortgage lenders in the state of Hawaii, and how they can help you on your quest to home ownership.


#1 Hawaii Mortgage Lender: Axia Home Loans

A company after our own hearts, Axia Home Loans operates on the basis of educating the home buyers who choose them both before and during the mortgage process. According to them, A comfortable closing is their goal.

Closings, of course, can be a rough time for any home buyer, but the specialists at Axia are more than capable of creating an environment where the home buyer is confident and ready to for anything. Axia’s loan officers specialize in customer satisfaction, so at no point should a home buyer ever feel as though they have no one to turn to.

User reviews show that past clients are mostly impressed by the companies dedication to providing excellent service and advice to its client base. The level of knowledge and determination will surely be more than capable of getting even the most difficult home loan transactions closed.

#2 Hawaii Mortgage Lender: Guild Mortgage Company

No matter the industry, 50 years of experience is quite impressive. For Guild Mortgage Company, 50 years of experience has shaped them into a formidable source for home financing, including the origination of Conventional, FHA, and VA home loans.

Guild Mortgage now has over 250 branch locations across the nation, and remain committed to their goal of providing affordable home financing and unparalleled service. They even take things a step further by partnering with such well-known charities like Blue Star Mothers, K.I.D.S. and Youth oasis, and even the San Diego Food Bank.

The home buying experience with Guild Mortgage Company is a seamless and stress-free process, orchestrated by some of the most experienced and knowledgeable loan officers in the industry.

#3 Hawaii Mortgage Lender: Bay Equity Home Loans

Bay Equity Home Loans was founded back in 2007 as a full-service mortgage lender, with an extra emphasis on service. With locations across 32 states, the company is still growing to this day, thanks to their fierce dedication to their trade.

For a family owned and operated company, their popularity among the home buyers in the states that they are located is immense. They are deeply passionate about providing affordable mortgage solutions, with an exceptional focus on FHA loans and VA financing. As a matter of fact, a portion of their proceeds from every FHA or VA loan that they service is donated to the Warrior Foundation-Freedom Station.

The high-quality customer service and drive to secure low rates and comfortable loan terms will no doubt put Bay Equity Home Loans at the very top of the mortgage lender food chain some day. For now, home buyers would be wise to check them out and see why they consistently rake in such killer reviews!

#4 Hawaii Mortgage Lender: Guaranteed Rate

A Kingpin of the online mortgage trend that plays a large role in government-insured financing is Guaranteed Rate. Their participation in the digital mortgage wave leaves many other platforms lacking by comparison.

Guaranteed Rate is also extremely experienced with the origination of government-insured loan products such as FHA and VA loans. The ability to offer FHA and VA financing through one of the best digital mortgage platforms available makes them serious competition to other mortgage lenders, and highly favored among repeat and first time home buyers. FHA Mortgages are one of the highest selling loans through Guaranteed Rate.

The online platform makes securely uploading the important financial documentation requested for a loan approval fast and easy. Borrowers can even check their credit scores through the service, rather than go elsewhere. Guaranteed Rate is one of the rare few digital mortgage platforms where a mortgage loan can be closed without ever needing to speak with someone unless requested by the home buyer.

#5 Hawaii Mortgage Lender: Pacific Rim Mortgage

Pacific Rim Mortgage is consistently one of the highest ranked mortgage lenders in the Aloha State-- and for a very good reason. Their entire business is dedicated to their clients-- and, if you read their website, they’ll even say that “Congratulations, you’re now a homeowner” is their favorite five-word phrase on Earth. In addition, they emphasize the fact that they’re committed to taking the stress out of the home purchase process-- which is fantastic since the process can be pretty stressful. Located in Waimalu, in Honolulu County, Pacific Rim Mortgage was founded in 2005 and has helped clients for nearly 15 years.

In addition to conventional home loans, the company’s team also has significant expertise in FHA, USDA and VA loans, with particular experience in refinancing. Plus, unlike a lot of smaller lenders, they offer a secure online mortgage application to make things especially easy for potential borrowers.

Best Hawaii Mortgage Lender Picks 2019:

  • Best for First Time Home Buyers: Guild Mortgage Company

  • Best Online Experience: Guaranteed Rate

  • Best Local Lender: Pacific Rim Mortgage

  • Best Face-to-Face Experience: Axia Home Loans

  • Best Overall Performance: Bay Equity Home Loans


Shop Around Before You Get a Hawaii Home Loan

Our picks for the best mortgage lenders in Hawaii may not necessarily represent the best lender for your financial situation, goals, and desires. Everyone’s story is unique, and sometimes the best mortgage terms can be found in the most obscure places. Regardless of experience or lack thereof, the best plan of action is to shop around with multiple lenders to find out which one can provide the ideal mortgage solution that comes with the terms and affordability that best suits any particular financial situation.

While looking at reviews can be a huge help, getting a one on one consultation could mean saving thousands. If you’d like some help in locating the best mortgage lender in your area, don't hesitate to contact a home.loans mortgage expert!