The Right Programs To Help You Reach Your Home Goals

Financing That Fits!

Our loan officers are experts in helping you find a solution to make your home goals happen! Call our Mortgage Hotline: (808) 548-3300.

Conforming Mortgages

Traditional 30- or 15-year fixed-rate mortgages.

  • Most popular type of mortgage loan
  • Low interest rates
  • Low down payment options
  • Great for borrowers with good income and credit

Government Programs

Programs backed by the Veteran's Administration or Federal Housing Administration.

  • VA Loans for active duty military and veterans. No downpayment required.
  • FHA Loans have a low down payment requirement & easier credit qualifying.

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Home Equity Line of Credit

Flexible line of credit with a 2-year fixed introductory rate. Great for expenses such as home improvement, tuition, bill consolidation and more!

Jumbo Loans

Mortgage loans up to $5 million for investors or owner-occupants! Flexible, custom solutions to help you reach your goals!

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Investor Loans

Our wide array of programs allow us to create custom solutions for real estate investors.

  • Options for investors with complex financials
  • Loans based on property cash flow
  • Combine more than one property on a single loan


Fixer Uppers

Financing for properties needing repairs  renovations, or a complete tear-down.

  • We're experts in Hawaii real estate financing and provide solutions for properties in poor condition
  • Non-conforming properties ok
  • Purchase or refinance
  • Investor or owner-occupant

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Construction Loans

Short-term loans for owners of vacant lots who want to build on their property.

Foreign Investors

Specialized loan program that addresses the needs of foreign real estate investors.

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Financing for purchase or refinance of a condotel unit.

Land Loans

Purchasing land to build your dream home? This is the program for you.

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No/Low Down Payment Solutions

We're here to help provide solutions for no/low down payment situations.

  • Unique program using equity in a parent's home as the down payment
  • Solutions for Investors using multiple properties
  • As low as 3% down with Home Possible program

Other Programs

Finance Factors is here to help! We have a variety of other programs including:

  • Loans for agriculture-zoned properties
  • Bridge Loans to buy a new property before selling your existing property
  • Flexible underwriting to address Unusual Income, Title, or other borrower situations

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Today's Conforming Mortgage Rates

30 Year Fixed Rate Mortgage

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15 Year Fixed Rate Mortgage

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*A $200,000 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 360 principal and interest monthly payments of $1,280.62 based on a 30 Year Fixed Rate at 6.625% with 2.125 points and 6.987% APR.

**A $200,000 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 180 principal and interest monthly payments of $1,687.71 based on a 15 Year Fixed Rate at 6.000% with 1.875 points and 6.534% APR. 

The payments shown above do not include taxes and insurance premiums, actual payment obligations will be greater. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $1,149,825. Rates effective 4/11/24 and are subject to change without notice. Other restrictions may apply.  Additional rates and terms available.