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Why VA Loans? Here’s a Few Good Reasons.


No Down Payment Required

VA Loans are one of the very few loan programs that allow you to borrower 100% of the home’s purchase price. Most programs require a minimum of 3.5% - 10% down payment to qualify for financing.


No Mortgage Insurance Required

Without at least a 20% down payment, all other home loan programs require the borrower to pay mortgage insurance. This insurance doesn’t protect the borrower, rather insures the lender in case of mortgage default.


Reduced Closing Costs

Nobody likes paying closing costs. Fortunately for veterans, a good portion of these costs are waived. On average, a VA buyer can save anywhere from $1500 - $2000 in closing costs compared to using other loan programs.


Flexible Qualifying Guidelines

The goal of the VA program is to make it easier for a veteran to become a homeowner. With this in mind, the typical barriers to homeownership are dramatically reduced with a VA Loan.

Those who don’t qualify for other loan programs are more likely to be eligible for a VA Loan.


Great Loan Amounts

For 2020, the maximum VA loan amount with no down payment for veterans and service members with full entitlement is NO LIMIT for all islands. That means if you can afford the payment and get pre-approved for a $2.5 million dollar home, then you can buy one using a VA home loan with zero down.


Easy, Low Cost Refinancing

As a VA mortgage holder, you may automatically qualify for a Streamline Refinance, also know as the Interest Rate Reduction Refinance Loan (IRRRL).

With this streamlined process, there is less paperwork involved and the cost to refinance your home is significantly reduced.


Ready to get started?

Fill out the short form and we can help you determine what you can qualify for on a VA Loan.


Or call 808-792-4251


What our past customers have to say about hawaii veteral loans


"Convenient, Helpful, Friendly"

"Hawaii VA Loans, and particularly Brenda Carr not only made buying our first home possible but also made in less stressful. From the moment I first spoke to Brenda she completely set our minds at ease. Both my husband and I were unsure of what we needed to do to make buying a home possible and Brenda "held our hands" throughout the entire process! It was a pleasure working with Brenda Carr and the rest of the Hawaii VA Loansteam!"

Justin & Christina Howe

"Professional, Knowledgeable, Devoted"

"We had the option to chose between several lenders but my wife and I knew we were in good hands by working with Dane Costa and Hawaii VA Loans. I truly can't say enough good things about Hawaii VA LoansSM and Dane Costa. We are grateful to have had the opportunity to work with a reputable company that embodies values such as integrity, loyalty, and professionalism. I am going to tell all my friends why Hawaii VA Loans deserves their business."

Scott & Sarah Cover

"Easy, Simple, Painless"

"From the very beginning my VA loan specialist helped me every step of the way through the process. Every document she needed from me was spelled out in plain words and with directions of exactly what I needed to do with it. I was also never given any false promises of rates, payments, or any other surprises. I would highly recommend my lender and the VA lending process to anyone else who is eligible ."

Matthew & Anna Bolivar

"Convenient, Easy, Stress-Free"

"Before finding Hawaii VA LoansSM, we were working with another VA Loan Lender and were very unsatisfied with their quality of work. As first time home buyers, the whole process is very challenging and of course filled with lots of questions. Hawaii VA LoansSM was right by our side through the whole process assisting as much as possible. We couldn’t be happier with the professionalism, devotion and dedication that Hawaii VA loansSM provided our family!"

Ryan & Nicole Manninen

"Professional, Personable, Second-to-None"

"We purchased our first home from an overseas location. Our experience was incredible. Brenda Carr and the Hawaii VA Loans’ staff went above and beyond our expectations to help us through the process. I could not imagine using another company for our needs. Beyond impressed!"

ASHLEY & JOSEPH Justin & Christina Howe