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Keaau, HI

The Best Mortgage Lenders in Keaau, HI

Compare verified mortgage lenders serving Keaau, Hawaii. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
650+
Reviews
9
Loan Types

Available Loan Programs in Keaau

Conventional
FHA
VA
USDA
Jumbo
Refinance
Construction
Lot Loans
Home Equity

Featured Mortgage Lenders

1

Mortgage Network of Hawaii

Mortgage Network Inc.

★★★★☆
4.9/5

Mortgage Network of Hawaii is consistently rated as one of the top mortgage brokers on the Big Island, serving Keaau and surrounding areas with exceptional expertise. With over two decades of experience, they specialize in Hawaii's unique real estate market and offer personalized service for both first-time homebuyers and experienced investors. Their deep understanding of local market conditions, combined with access to multiple lenders, allows them to secure highly competitive rates. They are particularly known for their expertise in USDA rural loans, which are highly relevant for Keaau properties.

Experience:25 years
Reviews:150 customer reviews
101 Aupuni Street Suite 231, Hilo, HI 96720

Loan Types:

ConventionalFHAVAUSDAJumboRefinanceConstruction
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2

Hawaii Community Federal Credit Union

Hawaii Community Federal Credit Union

★★★★☆
4.8/5

As one of the most established financial institutions on the Big Island, Hawaii Community FCU has been serving Keaau residents for generations. This member-owned credit union offers highly competitive mortgage rates and exceptional local service. Their mortgage specialists have deep knowledge of the Puna district market and provide personalized guidance throughout the entire home buying process. They are particularly strong in construction and lot loans, which are popular options in the Keaau area. Their community-focused approach and local decision-making make them a top choice for Big Island home financing.

Experience:85 years
Reviews:200 customer reviews
700 Pilani Street, Hilo, HI 96720

Loan Types:

ConventionalFHAVAUSDAConstructionLot LoansRefinance
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3

First Hawaiian Bank Mortgage Center

First Hawaiian Bank

★★★★☆
4.7/5

First Hawaiian Bank is Hawaii's oldest and largest bank with a strong presence throughout the Big Island, including dedicated service to Keaau residents. Their mortgage team offers comprehensive lending solutions with the advantage of local underwriting and decision-making. With deep roots in the community, they understand the unique aspects of Hawaii Island real estate, including volcanic hazard zones and agricultural properties common in the Keaau area. They provide competitive rates for both purchase and refinance loans, backed by the stability of Hawaii's premier financial institution with over 160 years of service.

Experience:160 years
Reviews:300 customer reviews
1200 Kilauea Avenue, Hilo, HI 96720

Loan Types:

ConventionalFHAVAJumboConstructionRefinanceHome Equity
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Frequently Asked Questions

Common questions about mortgage lending in Keaau, HI

Are there any special mortgage programs for first-time homebuyers in Keaau, HI?

Yes, the Hawaii Housing Finance and Development Corporation (HHFDC) offers several programs, including the Hula Mae Mortgage Loan Program, which provides competitive interest rates and down payment assistance for eligible first-time buyers in Keaau. Additionally, some local lenders may offer special programs for buyers in Hawaii County, particularly for those purchasing in designated target areas.

How do mortgage rates in Keaau compare to the national average?

Mortgage rates in Keaau typically run slightly higher than the national average due to Hawaii's unique market conditions and higher cost of living. However, shopping around with local credit unions like Hawaii Community Federal Credit Union can sometimes yield more competitive rates, as they understand the specific challenges of the Big Island housing market.

What should I know about volcanic hazard zones when getting a mortgage in Keaau?

Many properties in Keaau are located in Lava Flow Hazard Zones 1 and 2, which can affect mortgage eligibility and insurance requirements. Lenders may require additional volcanic hazard insurance, and some government-backed loans might have restrictions. It's crucial to work with a local mortgage professional who understands these unique geological considerations.

Are there any special loan considerations for purchasing agricultural properties in Keaau?

Yes, Keaau has many agricultural lots and farms, which may qualify for USDA rural housing loans or agricultural loans through local institutions. However, these often have specific requirements regarding property size, income limitations, and intended use. Working with a lender experienced in Hawaii's agricultural properties is essential for navigating these specialized loans.

How does the high cost of homeowners insurance in Keaau affect my mortgage qualification?

Due to volcanic risks and Hawaii's general insurance costs, homeowners insurance in Keaau can be significantly higher than mainland averages. Lenders will factor these higher insurance premiums into your debt-to-income ratio, potentially affecting how much home you can qualify for. It's important to get insurance quotes early in the homebuying process to accurately assess your budget.

Nearby Cities

Explore mortgage lenders in cities near Keaau, HI

Why Choose a Mortgage Lender in Keaau?

Local Market Knowledge

Lenders who understand Keaau's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Hawaii.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Keaau and get competitive rates on your home loan.