If you already have a VA loan on your home in Hawaiʻi, refinancing with the VA IRRRL (Interest Rate Reduction Refinance Loan) can be one of the fastest and easiest ways to lower your monthly payment — without a new appraisal, income checks, or major paperwork. Many Hawaiʻi homeowners use an IRRRL during rate drops […]
If you’re a veteran or military family in Hawaiʻi, choosing between a VA loan and a conventional loan can impact everything from your monthly payment to how fast you can get into a home. Hawaiʻi’s high cost of living makes this decision even more important. While both loan types have advantages, the VA loan often […]
The VA loan is one of the most powerful benefits available to military families living in Hawaiʻi — and it’s the fastest way to buy a home here with $0 down, no PMI, and real affordability in a high-cost market. Most families assume Hawaiʻi is “too expensive” to buy in. But the truth is: many […]
Even with today’s interest rates, veterans and military families in Hawaiʻi still have powerful advantages that make buying a home faster, easier, and more affordable than most people think. The truth is this: Hawaiʻi is one of the most expensive housing markets in the U.S.—but it’s also one of the best places to use your […]
If you’re a veteran or military family in Hawaiʻi, understanding VA loan limits is one of the fastest ways to know how much home you can afford right now — with $0 down and no PMI. The good news? VA loan limits in Hawaiʻi are higher than almost anywhere else in the country, especially in […]
Hawaii remains one of the most unique real estate markets in the United States — high cost of living, limited land, and strong demand from local families and military buyers. Because of this, VA loan limits here work differently than in most states and can have a huge impact on how much home you can […]
If you’ve ever tried to figure out “How much mortgage can I actually afford?” you’ve probably seen every rule of thumb out there: “Spend no more than 28% of your income.” “Cap your DTI at 45%.” “Your mortgage payment should be 2.5x your annual salary.” Those rules don’t work for everyone — and they especially […]
If you’re a veteran, active-duty service member, or PCS’ing to Hawai‘i, finding the right VA loan specialist matters more here than almost anywhere else. Home prices are high, every lender’s rate is different, and Hawai‘i has unique property challenges (lava zones, catchments, condo approvals, etc.). After 20+ years in the finance industry and hundreds of […]
PCS orders to Hawaii are both exciting and overwhelming. Service members dream of beaches, aloha spirit, and island adventures — but then reality sets in: “How will I afford housing in one of the most expensive markets in the U.S.?”The truth is, many families pay $3,500–$4,500/month in rent on Oʻahu alone. But with a VA […]
VA loan rates in Hawaiʻi today average 6.67%, slightly above the U.S. national average of 6.21%. With Oʻahu’s median home price near $900,000, even a small change in mortgage rates can shift monthly payments by hundreds of dollars.The good news: VA loans remain one of the most powerful tools for service members, veterans, and military […]
It’s no secret that navigating the homeownership journey can seem daunting. But if you’re a veteran, National Guard, or service member and qualify for the VA home loan, it offers you a golden pathway to your dream home here in paradise. This step-by-step guide describes the process and sheds some light on the Hawaii VA […]
Hawaii recognizes as one of the most beautiful places in the world. With its white sandy beaches, crystal clear blue waters, and lush green mountains, it’s no wonder that people are still flocking to the island state and looking to buy property here. The Hawaii real estate market has been hot for a while now. […]
