Private Money Hawaii
Residential Real Estate Loans in Hawaii: Your Island Home Starts Here
What Are Residential Real Estate Loans?
Owning a home in Hawaii is more than a financial decision; it’s a lifestyle choice. Whether you’re buying a primary residence in Oahu, investing in a second home on Maui, or building on the Big Island, finding the right residential real estate loan is key to making your island dreams a reality.
Unlike mainland markets, Hawaii’s housing landscape comes with unique challenges, high property values, limited inventory, and local zoning nuances. That’s why working with a lender who understands the islands can make all the difference.
Residential real estate loans are financing solutions used to buy, refinance, or renovate homes intended for personal use. In Hawaii, these loans support:
- First-time homebuyers seeking primary residences
- Second-home purchasers or vacation property investors
- Buyers of condos, townhomes, or single-family houses
- Renovators are improving outdated or underutilized properties
With competitive interest rates, flexible down payments, and both conventional and alternative loan options, these programs help island residents secure long-term housing.
Hawaii-Specific Loan Considerations
Hawaii’s real estate market is unlike any other. Understanding the local nuances is critical to loan success:
- Leasehold vs. Fee Simple: Some homes in Hawaii are on leased land, which affects your financing options.
- Zoning and permitting: Especially relevant on the outer islands.
- Condo-tel units: Not all lenders finance condo-hotels, common in tourist zones.
That’s why working with a lender familiar with Hawaii residential real estate gives you an edge during underwriting and closing.
Types of Residential Loans Available in Hawaii
| Loan Type | Best For |
| Conventional Loans | Qualified buyers with steady income and good credit |
| FHA Loans | First-time buyers or those with lower credit scores |
| VA Loans | Eligible veterans and service members |
| Jumbo Loans | High-value homebuyers, especially in Honolulu and Maui |
| Portfolio Loans | Buyers of unique or non-conforming properties |
Benefits of Local Residential Lending
- Faster processing due to local appraisers and underwriters
- Competitive loan packages for Hawaii-specific home types
- Bilingual service for native Hawaiian or multilingual borrowers
- Experience with DHHL and Hawaiian Home Lands programs
Local lending isn’t just more personalized, it’s more practical.
Whether you’re buying your first home or expanding your real estate portfolio, Hawaii’s residential lending market offers solutions to fit your needs. With personalized service, competitive terms, and deep island knowledge, the right loan can help you make your move with confidence.
Offering Rates Starts at 9%
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Tailored Loan Programs
From fix-and-flip loans in Oʻahu to bridge loans in Honolulu, DSCR rental financing, and construction loans across Hawaii, we customize terms around your project’s needs. With interest-only payment options, LTV up to 70%, and clear origination fees, you’ll have flexible funding that works for you.
Local Expertise You Can Trust
Led by veteran lender David Ige, with nearly 30 years of experience funding Hawaii investment property loans, we combine deep local insight with transparent terms to help investors succeed.
Private Money Hawaii
Address: 411 Hobron Ln #3912, Honolulu, HI 96815
Call: +1(808) 753-1204
Email: funding@privatemoneyhawaii.com