Your Guide to VA approved condos in Hawai’i Article updated: January 1, 2026 To use a VA loan on a Hawaii condo, the project (not just the unit) must be VA-approved. Start with a VA approved condo lookup to create your own approved VA condo list. If the project isn’t listed, your lender can coordinate […]
Article updated: January 1, 2026 When searching for a home in paradise, one of the biggest questions buyers ask is: “Are mortgage rates in Hawaii different from the rest of the U.S.?” The short answer is yes and no. While Hawaii mortgage rates often move in step with national trends, several unique factors—like property type, […]
Mortgage Payoff Calculator: How to Pay Off Your Mortgage Faster (and Smarter) A mortgage payoff calculator helps you see what happens when you make extra payments on your va home loan—how much interest you save, how many years you cut off your mortgage, and when you’ll be debt-free. But the real value isn’t just the […]
Active vs Contingent vs Pending: How Each Affects VA Loan Buyers If you’re using a VA loan, understanding the difference between active vs contingent vs pending VA loan listings can save you time, stress, and missed opportunities, especially in competitive markets like Hawaiʻi. These listing statuses aren’t just labels. They determine whether you should act […]
2026 Oahu Condo BAH to Home Purchase Price – VA Loan Guide 2026 Oahu condo BAH to home purchase price conversion is one of the most important planning tools for service members and veterans buying on Oahu. While Oahu offers some of the highest BAH rates in the country, most available inventory consists of condos […]
Red Flags When Buying a Condo: What VA Buyers in Hawaii Must Know Red flags when buying a condo often have nothing to do with the unit itself and everything to do with the HOA, building finances, and loan eligibility. For VA buyers in Hawaiʻi, missing these red flags can lead to loan denial, surprise […]
VA Residual Income Explained: How Veterans Qualify in Hawaii VA residual income is one of the most important—and misunderstood—rules in the VA loan process, especially for veterans buying a home in Hawaiʻi. It determines how much money you have left each month after paying housing costs, debts, utilities, and taxes—and in Hawaiʻi, it often matters […]
2025 Hawaiʻi BAH Rates: What You Can Really Afford With a VA Loan If you’re stationed in Hawaiʻi or planning to PCS here, you’ve probably asked yourself one big question: “Can my BAH actually cover buying a home in Hawaiʻi?” In 2025, the answer for many service members is yes—if you understand how BAH, VA […]
VA Loan Usage Surges in 2025 Driven by Younger Buyers VA home loan usage is surging in 2025—and younger veterans are leading the charge. After a slower period during peak interest rates, the VA Loan program has rebounded strongly, with Gen Z and Millennial service members using their benefits earlier and more strategically than past […]
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 […]
