If you’re PCSing to Hawaii, using a PCS to Hawaii VA loan can be one of the smartest financial moves you make, if you understand Hawaii’s housing market, military timelines, and VA-specific rules before you arrive.

This guide walks service members and military families through everything you need to know about buying a home in Hawaii with a VA loan, from pre-PCS planning to closing, without costly surprises.

Military members PCSing to Hawaii can use a VA loan to buy a primary residence with $0 down. Success depends on understanding BAH, entitlement, condo approvals, and Hawaii’s fast-moving market.

TL;DR

• You can buy a home in Hawaii with a VA loan while PCSing
• $0 down is possible, even with high home prices
• BAH plays a major role in affordability
• Condos and appraisals require extra attention
• Working with a Hawaii-based VA loan specialist matters

Key Takeaways

• A PCS to Hawaii VA loan can make homeownership possible with $0 down
• BAH significantly improves affordability
• Condo approval and appraisals are critical in Hawaii
• Early planning reduces stress and risk
• Local VA loan expertise makes a real difference

What to Expect When PCSing to Hawaii

A PCS to Hawaii is unlike any other duty station change. Housing inventory is tight, prices are higher than most mainland markets, and timelines move fast—especially on Oʻahu.

Common challenges PCS buyers face:

• Limited housing near bases
• Competitive offers and short escrow periods
• High rents that rival mortgage payments
• Confusion around VA loan condo approvals

The good news: VA loans are extremely well-suited for Hawaii—when used correctly.

Can You Buy a Home in Hawaii With a VA Loan While PCSing?

Yes. Active-duty service members PCSing to Hawaii are eligible to use a VA home loan, as long as the property will be their primary residence.

VA loans allow PCS buyers to:

• Purchase with no down payment
• Avoid monthly PMI
• Use flexible credit standards
• Qualify using BAH as income

You do not need to wait until you arrive in Hawaii to start the process.

When Should You Start the VA Loan Process?

Ideally, 60–90 days before your PCS date.

Starting early allows time to:

• Obtain or update your VA Certificate of Eligibility (COE)
• Get fully pre-approved (not just pre-qualified)
• Understand your realistic purchase range
• Identify VA-approved condos or neighborhoods

Waiting until arrival often leads to rushed decisions or missed opportunities.

Understanding BAH & Affordability in Hawaii

Hawaii has some of the highest BAH rates in the country, and lenders can count BAH as qualifying income on a VA loan.

Your BAH affects:

Maximum purchase price

Monthly payment comfort

Rent vs buy comparison

Before house hunting, run real numbers using:

• Hawaii VA Mortgage Calculator
• Military Pay  Calculator

Buying vs Renting During a PCS to Hawaii

Many service members default to renting—but in Hawaii, renting can be just as expensive as owning.

Buying with a VA Loan

• Build equity instead of paying high rent
• Lock in housing costs
• Potential rental income after future PCS
• No down payment required

Renting

• Extremely competitive market
• Rising rents
• No long-term financial return

Buying isn’t always the right choice—but VA loans give you flexibility most buyers don’t have.

VA Loan Entitlement for PCS Buyers

Most PCS buyers have full VA loan entitlement, even if they’ve used a VA loan before.

Key points:

• Full entitlement = no VA loan limit in Hawaii
• Entitlement can often be restored
• PCS orders help document occupancy intent

Learn more here: VA Loan Entitlement

Condos, HOAs & VA Approval in Hawaii

Condos are popular near bases—but not all condos are VA-approved.

This is especially important near:

• Pearl Harbor / Hickam
• Schofield Barracks
• Kaneohe Marine Corps Base

A VA-approved condo list and local knowledge can save weeks of frustration.

VA Appraisals & Hawaii Home Conditions

VA appraisals in Hawaii focus on:

• Fair market value
• Safety and livability
• Deferred maintenance issues

Because of Hawaii’s climate, appraisers pay close attention to:

• Roof condition
• Termite damage
• Electrical and plumbing issues

This is where local VA loan experience matters.

Common PCS to Hawaii VA Loan Mistakes

Avoid these PCS pitfalls:

• Waiting until arrival to get pre-approved
• Assuming every condo qualifies for VA financing
• Ignoring HOA dues in affordability calculations
• Using a mainland lender unfamiliar with Hawaii VA rules

PCS timelines are tight—mistakes are expensive.

VA Loan Guidance for Your PCS to Hawaii

Always putting clients and their families first. As a VA Loan Specialist in Hawaii, Elias helps service members and veterans navigate PCS moves with confidence, so buying a home in Hawaii feels clear, not overwhelming.

From fast COE assistance and clear next steps to competitive VA loan options and local Hawaii insight, Elias works one-on-one with military families to make the transition smoother. Whether you’re buying before you arrive or shortly after landing, having a local Honolulu VA loan officer on your side can make all the difference.

If you’re PCSing to Hawaii and want trusted, local VA loan guidance, Elias is here to help you understand your options, your numbers, and your timeline—so you can move forward with clarity and peace of mind.

VA loan limits in Hawaii often confuse buyers, but in 2026, most veterans can buy well above county limits with $0 down if they have full VA entitlement.

This guide breaks down how VA loan limits really work, when they matter, and how they apply specifically to Honolulu (Oʻahu), Maui, and the Big Island.

Quick Summary

• VA loans do not have a true loan limit for veterans with full entitlement
• Loan limits only matter if you have partial (impacted) entitlement
• Hawaii’s high home prices often require VA jumbo loans, which can still be $0 down

If you have full VA entitlement, Hawaii VA loan limits won’t restrict how much home you can buy — even in Honolulu or Maui. Limits only affect veterans with an active or previous VA loan.

Key Takeaways

• VA loan limits don’t cap most Hawaii buyers
• Full entitlement = no down payment, even for jumbo homes
• County limits only matter with partial entitlement
• Expert Hawaii-specific guidance can save tens of thousands

Are There VA Loan Limits in Hawaii in 2026?

Short answer: No — not in the traditional sense.

The VA doesn’t cap how much you can borrow. Instead, it limits how much of your loan it will guarantee to the lender (typically 25%).

What most people call “VA loan limits” are actually county conforming loan limits used only when entitlement is partially used.

How VA Loan Entitlement Works

What Is VA Loan Entitlement?

VA entitlement is the portion of your loan that the VA guarantees for the lender. This guarantee allows lenders to offer:

• $0 down payments
• Lower interest rates
• No monthly mortgage insurance

Full VA Entitlement (Most Hawaii Buyers)

You typically have full entitlement if:

• You’ve never used your VA loan benefit, or
• Your previous VA loan was paid off, and entitlement was restored

With full entitlement:

• No loan cap
• No down payment required (even above county limits)
• VA jumbo loans are allowed

Partial Entitlement

You may have partial entitlement if:

• You still own a home with a VA loan, or
• A prior VA loan wasn’t fully paid off

In this case, county loan limits matter and may trigger a down payment.

VA County Loan Limits in Hawaii (2026)

Hawaii is considered a high-cost state, so county loan limits are higher than the national baseline.

These limits only matter if you have partial entitlement.

Honolulu County (Oʻahu)

• Used for homes in Honolulu, Pearl City, Kapolei, Kailua, Kāneʻohe
• Higher limits reflect Oʻahu’s elevated home prices
• Many VA buyers still qualify for $0 down with full entitlement

Maui County

• Includes Maui, Molokaʻi, and Lānaʻi
• Median prices often exceed mainland jumbo thresholds
• VA jumbo loans are common and fully allowed

Hawaiʻi County (Big Island)

• Covers Hilo, Kona, Waimea, and surrounding areas
• Lower prices than Oʻahu or Maui, but still above national averages
• Partial entitlement buyers may still need minimal down payments

When a Down Payment Is Required

A down payment is only required if:

• You have partial entitlement, and
• The loan amount exceeds what your remaining entitlement can support

How the VA Guarantee Formula Works

Lenders require the VA to guarantee 25% of the loan.
If your remaining entitlement doesn’t cover that 25%, you make up the difference as a down payment.

Example: Honolulu VA Loan Limit Scenario

• Purchase price: $1,100,000
• Veteran has partial entitlement
• County conforming limit applies
• Result: Small down payment required to meet the 25% guarantee

With full entitlement, the same purchase could be done with $0 down.

What Is a VA Jumbo Loan in Hawaii?

A VA jumbo loan is simply a VA loan above county conforming limits.

Key advantage in Hawaii:

• No PMI
• Often $0 down with full entitlement
• Far more flexible than conventional jumbo loans

Types of VA Loans Affected by Loan Limits

VA Purchase Loans

• Primary residence only
• Most Hawaii buyers qualify with $0 down

VA Cash-Out Refinance

• Loan limits may apply if entitlement is impacted

VA Streamline Refinance (IRRRL)

• Loan limits rarely matter
• Simplified refinance process

Common VA Loan Limit Myths

❌ “VA loans have a hard cap.”

❌ “You can’t buy expensive homes in Hawaii with VA loans.”

❌ “Jumbo loans require 20% down.”

✔ Reality: With full entitlement, VA loans remain one of the most powerful tools for Hawaii veterans.

Do VA Loan Limits Matter in Hawaii?

For most veterans, VA loan limits in Hawaii don’t matter at all.

What does matter:

• Your entitlement status
• County pricing trends
• Working with a lender who truly understands Hawaii VA loans

Before you move forward, it helps to get personalized VA loan guidance from someone who works with Hawaii veterans every day.

Your Trusted Hawaii VA Loan Specialist

Always putting clients and their families first.
Elias is a local Honolulu VA loan officer dedicated to helping service members and veterans secure Hawaii VA home loans with clarity and confidence.

Whether you’re buying your first home, navigating VA loan limits, or exploring jumbo VA options in high-cost areas like Oʻahu or Maui, you’ll get:

Fast Certificate of Eligibility (COE) support

Clear, step-by-step VA loan guidance

Competitive VA rates tailored to Hawaii’s market

If you want straightforward answers and expert insight from someone who understands Hawaii VA loans inside and out, connect with a specialist who puts your goals first.

Call (808) 517-6416 to speak with a Hawaii VA loan specialist
Take the next step toward owning a home in paradise today!

The VA funding fee is a one-time cost that helps keep the VA loan programs running. It can usually be financed into the loan, and many veterans are fully exempt. For Hawaii buyers, understanding how it works can save thousands upfront.

VA Funding Fee Explained

• The VA funding fee is a one-time charge, not monthly
• It helps fund the VA loan program (no PMI required)
• Most buyers finance it into the loan
• Many veterans are 100% exempt
• The fee varies by down payment and VA loan usage
• In Hawaii, financing the fee often makes sense

Key Takeaways

• The VA funding fee is a one-time cost
• Many veterans are fully exempt
• Most buyers finance it into the loan
• It replaces costly monthly PMI
• Personalized analysis beats assumptions

VA Funding Fee Explained: What Veterans Need to Know

The VA funding fee is one of the most talked-about and most misunderstood parts of using a VA loan. For many veterans buying in Hawaii, the fee sounds intimidating at first, especially given higher home prices. But once you understand how it works, it often becomes far less concerning.

Let’s break it down clearly, without lender jargon or pressure.

What Is the VA Funding Fee?

The VA funding fee is a one-time fee charged on most VA loans. Its purpose is simple:

It helps keep the VA loan program running without requiring monthly mortgage insurance.

That’s one of the biggest reasons VA loans remain such a powerful benefit.

How Much Is the VA Funding Fee?

The funding fee is calculated as a percentage of the loan amount and depends on:

• First-time vs repeat VA use
• Size of down payment (if any)
• Loan type (purchase, refinance, etc.)

For most first-time buyers with $0 down, the fee is typically just over 2% of the loan amount.

The key: this fee is not paid monthly and is often rolled into the loan.

Can the VA Funding Fee Be Financed?

Yes — and this is where many Hawaii buyers find relief.

Most veterans choose to:

• Finance the funding fee into the loan
• Avoid bringing extra cash to closing
• Preserve savings for reserves or moving costs

In a higher-cost market like Hawaii, this strategy often makes financial sense.

Who Is Exempt From the VA Funding Fee?

Many veterans are completely exempt from paying the VA funding fee, including:

• Veterans with service-connected disabilities
• Veterans receiving VA disability compensation
• Certain surviving spouses

If you’re exempt, the funding fee is waived entirely — even if it shows up on early estimates.

How the VA Funding Fee Compares to PMI

This is a critical comparison.

Over time, the VA funding fee often costs far less than PMI.

VA Funding Fee Myths (Debunked)

“The VA funding fee makes VA loans expensive.”
Not true — especially compared to PMI.

“You must pay it out of pocket.”
Most veterans finance it.

“Everyone has to pay it.”
Many veterans are exempt.

How the VA Funding Fee Fits Into Total Closing Costs

The funding fee is separate from standard closing costs, but it plays a big role in overall affordability.

That’s why it’s best reviewed alongside:

• Escrow and title costs
• Seller credits
• Lender fee caps

A full cost breakdown gives the clearest picture.

Helpful Tools for VA Buyers

• VA Loan Costs & Fees in Hawaii
• Hawaii VA Mortgage Calculator
• VA Mortgage Affordability Calculator

These tools help turn estimates into real numbers.

Final Thoughts for Hawaii Veterans

Hawaii’s high home prices can make any added cost feel overwhelming at first. But the VA funding fee is designed to protect veterans long-term, not burden them. When you understand how it works — and whether you’re exempt or able to finance it — it becomes just another manageable part of the process.

With clear information and experienced VA loan guidance, most veterans find that the funding fee is far less of an obstacle than they expected — and owning a home in Hawaii remains well within reach.

VA Loan Entitlement Explained for Hawaii Veterans

VA loan entitlement determines how much home you can buy, whether you can use a VA loan again, and how much flexibility you have as a Hawaii veteran homeowner.

In a high-price market like Hawaiʻi, misunderstanding entitlement can quietly limit your buying power or cost you the ability to use your VA benefit again. This guide explains how VA entitlement actually works, using real Hawaii scenarios and realities.

Quick Summary

VA loan entitlement is the portion of a VA loan that the government guarantees. In Hawaii, understanding basic and bonus entitlement is critical because higher home prices can impact how much you can borrow and whether you can reuse your VA benefit.

TL;DR

• VA entitlement is not a loan limit
• You have basic + bonus entitlement
• Hawaii prices make an entitlement strategy critical
• You can use a VA loan more than once
• Assumptions and unpaid loans can tie up entitlement

Key Takeaways

• VA entitlement is a guarantee, not a cap
• Full entitlement unlocks maximum flexibility
• Partial entitlement requires planning, not panic
• Hawaii prices magnify entitlement mistakes
• Expert VA guidance protects long-term benefits

What Is VA Loan Entitlement?

VA loan entitlement

is the amount the Department of Veterans Affairs guarantees on your mortgage, not the amount you can borrow.

This guarantee:

• Protects lenders
• Allows $0 down VA loans
• Enables better terms for veterans

Entitlement is expressed in dollars, not percentages—and it’s the backbone of your VA home-buying power.

Basic Entitlement vs Bonus Entitlement

Most confusion starts here.

Basic Entitlement

• $36,000 guarantee
• Covers VA loans up to $144,000 (historical baseline)

Bonus (Tier 2) Entitlement

• Additional entitlement above $144,000
• Tied to county loan limits
• Essential for high-cost areas like Hawaiʻi

Together, these allow most eligible veterans to buy well above $1M with $0 down, assuming full entitlement is available and income qualifies.

VA Loan Limits in Hawaii (What They Really Mean)

VA loan limits do not cap how much you can borrow; they only affect down payment requirements if you have partial entitlement.

• Veterans with full entitlement have no loan limit
• Veterans with used entitlement may face down payment requirements based on county limits
• This distinction matters enormously in Honolulu, Maui, and Hawaiʻi County.

Full vs Partial Entitlement Explained

Full Entitlement

You likely have full entitlement if:

• You’ve never used a VA loan, or
• You sold a prior VA-financed home and paid it off, or
• You refinanced into a non-VA loan

With full entitlement:

• $0 down possible (even at high prices)
• Maximum flexibility
• Clean slate for future VA use

Partial Entitlement

You may have partial entitlement if:

• You still own a home with a VA loan
• A previous VA loan wasn’t paid off
• Someone assumed your VA loan without substitution

Partial entitlement doesn’t mean you’re “out of benefits”—but it does affect down payment math.

Using a VA Loan More Than Once in Hawaii

Yes, you can use your VA loan multiple times.

Common Hawaii scenarios:

• PCS → rent out old home → buy new home
• Keep Oʻahu condo → buy a single-family home on the mainland
• Sell mainland home → buy in Hawaiʻi

Each scenario impacts entitlement differently. Strategy matters.

How VA Assumptions Affect Entitlement

This is where many Hawaii veterans get burned.

If someone assumes your VA loan:

• Your entitlement may stay tied to that property
• You may not have full entitlement for your next purchase
• Your future buying power can be reduced for years

The safest path is the substitution of entitlement when the buyer is VA-eligible.

Entitlement and Down Payments (Simple Example)

If:

• County loan limit: $1,200,000
• Your remaining entitlement covers $800,000

You may need to cover 25% of the difference as a down payment.

This is why entitlement planning is crucial before making offers in Hawaii.

Why Entitlement Strategy Matters More in Hawaii

Hawaii is different because:

• Prices are higher
• Small entitlement gaps = large cash requirements
• Military families often move frequently
• Rental retention is common

Mistakes here don’t just cost money—they cost future options.

Common VA Entitlement Mistakes Hawaii Veterans Make

• Assuming entitlement is a loan limit
• Letting someone assume a VA loan without substitution
• Not checking entitlement before making offers
• Using entitlement inefficiently on lower-value properties
• Relying on generic mainland advice

Want to Know Exactly How Much VA Entitlement You Have?

Before you buy, sell, assume, or refinance, it’s critical to understand how your VA entitlement is actually positioned—especially in Hawaiʻi’s high-cost market.

I offer a free, no-obligation VA loan review to help you:

• Determine whether you have full or partial entitlement
• Calculate real down payment scenarios
• Compare VA options without pressure
• Protect your future VA buying power

Get trusted VA loan guidance from someone who works with Hawaiʻi veterans every day.

Request your personalized VA entitlement and loan review, educational, personalized, and always no pressure.

VA Assumable Homes in Hawaii: How Buyers Take Over Low Interest Rates

VA assumable homes allow buyers in Hawaii to take over an existing VA loan, keeping the seller’s interest rate, remaining balance, and terms instead of getting a brand-new mortgage at today’s higher rates.

In a high-cost market like Hawaiʻi, this strategy can be one of the smartest ways veterans and military families lower monthly payments and win homes others can’t.

Quick Summary

VA assumable homes let buyers assume an existing VA loan’s low interest rate and terms. In Hawaii, this can significantly reduce payments, but buyers must qualify and usually cover the seller’s equity gap.

TL;DR

• VA assumable homes let buyers take over an existing VA loan
• The biggest advantage is keeping a low interest rate
• Buyers must qualify and usually bring funds for the equity gap
• Sellers must secure a Release of Liability
• Especially powerful in Hawaiʻi’s high-priced housing market

Key Takeaways

• VA assumable homes let buyers buy at the rate
• Hawaiʻi’s prices make assumptions uniquely valuable
• Equity gaps and entitlement must be handled carefully
• Seller protection through ROL is critical
• Expert VA guidance dramatically improves success

What Is a VA Assumable Home?

A VA assumable home is a property with an existing VA-backed mortgage that can be transferred to a new buyer, subject to approval.

Unlike conventional loans, VA loans are assumable by law, meaning:

• The buyer takes over the remaining loan balance
• The interest rate stays the same
• The original loan terms continue

This is not a refinance. It’s a transfer of the existing loan.

Why VA Assumable Homes Matter So Much in Hawaii

In Hawaiʻi, the challenge isn’t demand, it’s affordability.

VA assumable homes help because:

• Many VA loans from 2020–2022 carry 2–4% interest rates
• Today’s rates are often much higher
• Keeping the old rate can save hundreds to thousands per month

On Oʻahu, Maui, and Hawaiʻi Island, this strategy can be the difference between qualifying for a home or being priced out.

The Biggest Catch: The Equity Gap

This is the #1 issue buyers underestimate.

Example:

• Purchase price: $900,000
• Existing VA loan balance: $650,000

The buyer must cover the $250,000 difference, typically using:

• Cash
• A second mortgage
• HELOC or bridge loan
• Structured hybrid financing

This is where many assumable deals fall apart without proper planning.

Who Can Assume a VA Loan?

VA loans can be assumed by:

• Veterans
• Active-duty service members
• Non-veterans (yes, civilians can assume)

However:

• Buyers must meet VA credit and income standards
• The loan servicer must approve the assumption
• A VA funding fee may apply (unless exempt)

VA Entitlement: What Sellers Must Understand

If a VA loan is assumed without the substitution of entitlement, the seller’s VA entitlement may remain tied to the loan.

Best-case scenario:

• Buyer is VA-eligible
• Buyer substitutes entitlement
• Seller’s VA benefit is restored

This step is often misunderstood—and can quietly limit a seller’s future VA buying power.

Release of Liability (ROL): Absolutely Essential

A Release of Liability removes the seller’s legal responsibility for the loan.

Without it:

• The seller can still be held liable
• Late payments or default can damage the seller’s credit

Never assume this happens automatically. It must be documented.

How to Find VA Assumable Homes in Hawaii

VA assumable homes are rarely labeled clearly.

Smart search tips:

• Scan listing remarks for “VA assumable” or “assumable at X%.”
• Ask agents directly whether the seller has a VA loan
• Focus on homes purchased or refinanced between 2020 and 2022

In Hawaiʻi, assumables are most common near:

• Military bases
• PCS-heavy neighborhoods
• Veteran-owned communities

Step-by-Step: How a VA Loan Assumption Works

VA loan assumptions are powerful—but they are process-heavy and often misunderstood. Below is the real-world process buyers and sellers in Hawaiʻi should expect.

Step 1: Confirm the Loan Is VA-Assumable

Verify that:

• The loan is VA-backed
• The loan is active and current
• You identify the loan servicer (not the original lender)

Never rely solely on listing remarks—always confirm with the servicer.

Step 2: Review the Loan Details

Confirm:

• Interest rate
• Remaining loan balance
• Monthly payment
• Remaining loan term

This is where the value becomes clear—especially if the rate is far below today’s market rates.

Step 3: Calculate and Plan for the Equity Gap

The equity gap is the difference between:

• Purchase price, and
• Remaining VA loan balance

Buyers must have a clear funding plan using cash, second financing, or hybrid options.

This should be addressed before submitting an offer, not after.

Step 4: Buyer Submits the Assumption Package

The buyer submits a formal assumption application, typically including:

• Credit and income documentation
• Asset verification
• Purchase contract
• Assumption disclosures

The servicer underwrites the buyer using VA standards, but the rate and terms remain unchanged.

Step 5: Servicer or VA Approval

Some servicers can approve assumptions internally. Others require VA prior approval.

This is often the slowest step due to:

• Servicer backlogs
• Missing documents
• Internal routing delays

Expect 30–90+ days.

Step 6: Address VA Entitlement and Substitution

If the buyer is VA-eligible:

• Entitlement substitution may occur
• Seller’s VA entitlement may be restored

If the buyer is not VA-eligible:

• Seller’s entitlement may remain tied to the loan

This decision should be fully understood by the seller before proceeding.

Step 7: Issue the Release of Liability

The Release of Liability officially removes the seller from responsibility for the loan.

This is non-negotiable and must be issued in writing.

Step 8: Close Through Escrow

Once approved:

• Equity funds are collected
• Title transfers
• The VA loan remains in place under the buyer’s name

The buyer officially assumes the loan—same rate, same terms.

Step 9: Post-Closing Verification

After closing:

• Confirm that loan servicing reflects the new borrower
• Retain copies of assumption approval and ROL
• Verify seller liability is fully removed

VA Assumable Homes FAQs

Are VA loans always assumable?

Yes, but approval is required.

Can a civilian assume a VA loan?

Yes, though entitlement may remain with the seller.

Is there a VA assumption fee?

Typically, 0.5% of the remaining balance unless exempt.

Are VA assumable homes hard to close?

They can be due to equity gaps and servicer delays.

Is assuming a VA loan worth it in Hawaii?

When structured correctly, it can be one of the most powerful strategies available.

Ready to See If a VA Assumable Home Makes Sense for You?

VA assumable homes can be an incredible opportunity in Hawaiʻi, but only when the numbers, entitlement, and liability are handled correctly.

Before you make an offer or chase a low-rate headline, it helps to speak with someone who specializes in VA loans, Hawaii pricing realities, and assumption strategy, not generic mortgage advice.

I help Hawaiʻi veterans and military families:

• Compare VA assumable homes vs. new VA loans
• Understand the true cost of the equity gap
• Protect VA entitlement and liability
• Avoid costly assumption mistakes
• Decide whether assuming a loan is truly the smart move

If you’d like, you can request a free, no-obligation VA loan review—educational, personalized, and no pressure.

Get trusted VA loan guidance from someone who works with Hawaiʻi VA buyers every day.

Request your personalized VA loan or assumable-loan review and see your best path forward.