Buying a Home - Hawaii mortgages, down payment assistance and first time home buyer grants for buying Hawaii real estate.

Research the available Hawaii mortgages and home loan programs for buying Hawaii real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Hawaii real estate. 

• Government grants for buying a home

• Down payment assistance 

• Bad credit loans for buying a home

• Mortgages and Home Loans

• Mortgage Calculator
  
  
• Search Hawaii Real Estate Listings

Government grants for buying a home

Here are some links for government grants for buying a home in Hawaii.

Statewide Programs

Alu Like, Inc.
458 Keawe Street
Honolulu, HI 96813
(808) 535-6721
Individual Development Savings Account for people of Hawaiian ancestry

Department of Hawaiian Home Lands 
P. O. Box 1879
Honolulu, HI 96808
(808) 586-3834
Receives and maintains applications of native Hawaiians for residential, agricultural or pastoral lot leases 
http://www.state.hi.us/dhhl/

Hawaiian Community Assets
655 Kaumualii Street
Wailuku, HI 96793
(808) 760-5100
 

Housing and Community Development Corporation of Hawaii 
677 Queen Street, #300
Honolulu, HI 96813
(808) 587-0597
http://www.hcdch.state.hi.us/consumermenu.html
 

Nanakuli Neighborhood Housing Services
P. O. Box 2158
Nanakuli, HI 96792
(808) 842-0770
Toll free from neighbor islands: 877-668-2077

Office of Hawaiian Affairs (OHA) Homeownership Program
Must apply with:
First Hawaiian Bank (866) 342-6420
Or
Bank of Hawaii (888) 828-7996
No down payment loan for Native Hawaiian owner-occupants not on Hawaiian Home Lands

Self-Help Housing Corporation of Hawaii
1427 Dillingham Blvd., Suite 305
Honolulu, HI 96817
(808) 842-7111
Self-Help Housing

U.S. Dept. of Agriculture - Rural Development Room 311, Federal Building
154 Waianuenue Avenue
Hilo, HI 96720
(808) 933-8300
http://www.rurdev.usda.gov/hi/index.html
 

U.S. Dept. of Veterans Affairs 
Spark M. Matsunaga Medical & Regional Office Center
Attn: Loan Guaranty Division (26)
459 Patterson Road
Honolulu, HI 96819-1522
(808) 433-0480
http://homeloans.va.gov/rlcmap.htm

Oahu

Honolulu Habitat for Humanity 
98-025 Hekaha Street, #214A
Aiea, HI 96701
(808) 485-2355
http://www.honhabitat.org/

Pacific Housing Assistance Corporation
677 Ala Moana Blvd., Suite 712
Honolulu, HI 96813
(808) 523-5681
Rent-to-Own Program - Tenney Village in Ewa

Waimanalo Community Development Corporation
P. O. Box 634
Waimanalo, HI 96795
(808) 259-9558

Kauai

County of Kauai Housing Agency 
4193 Hardy Street, Bldg. 2
Lihue, HI 96766
(808) 241-6449
http://www.kauaigov.org/housing.htm

Kauai Habitat for Humanity
1-3410 Kaumualii Highway
Hanapepe, HI 96716
(808) 335-0296

Kauai Housing Development Corporation
2955 Aukele Street, #203
Lihue, HI 96766
(808) 245-5937
Home Loan Program for low to very low-income families and Native Hawaiians

Maui

Maui Habitat for Humanity
256 Hina Avenue
Kahului, HI 96732
(808) 893-0334

Molokai Habitat for Humanity
P.O. Box 486
Hoolehua, HI 96729
(808) 567-6844

Hawaii Island

Hawaii Island Community Development Corporation
99 Aupuni Street, Suite 104
Hilo, HI 96720
(808) 969-1158
Serving Hawaii County: Mutual Self-Help Housing for low to very-low income families

Hilo Habitat for Humanity
62A Alae Street
Hilo, HI 96720
(808) 935-6677

Guam

Habitat for Humanity Micronesia, Inc.
Barrigada, Guam
Phone: 671-475-2631

Hawaiian Community Assets
655 Kaumualii Street
Wailuku, HI 96793
(808) 760-5100
Homebuyer Education

Nanakuli Neighborhood Housing Services
P. O. Box 2158
Nanakuli, HI 96792
(808) 842-0770
Toll free from neighbor islands: (877) 668-2077

Waimanalo Community Development Corporation
P. O. Box 634
Waimanalo, HI 96795
(808) 259-9558

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Hawaii.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Hawaii or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

• bankruptcy in the last 2 years

• foreclosure in the last 3 years

• low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Hawaii.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
   
2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
   
3. Each time you change a value hit "Calculate Now" to see what the effect is. 

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Hawaii Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Hawaii real estate of homes for sale.

Complete the form below for direct access to the following types of Hawaii real estate listings:

• Hawaii Real Estate Listings and MLS
• Hawaii HUD Homes
• Hawaii For Sale By Owner Homes
• Hawaii New Homes for Sale
• Hawaii Foreclosure Homes for Sale

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