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Review Keywords Analysis

  1. United States
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Hawaii
  4. Honolulu
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Honolulu, HI

How much house can you afford in Honolulu? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · current rates and lending limits

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax are for this state.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Honolulu

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Smart Money, Inc. NMLS #273384

Specializing in VA and Government Loans, Smart Money, Inc. has helped Hawaii families navigate the mortgage process since 2007. Their services include new home loans and refinancing for various needs, with a focus on fast, efficient closings. Customers appreciate the team’s responsiveness and supportive approach, though the process can feel like a roller coaster at times.

View Profile
(808) 447-1850
Closed Now
1600 Kapiolani Blvd Ste 633, Honolulu, HI 96814
2

Myers Capital Hawaii

Myers Capital Hawaii works with multiple lenders locally and on the mainland to find mortgage options that fit each client’s unique financial situation. Their team offers personalized loan guidance and stays communicative throughout the process, often helping with challenging cases that other lenders may not approve. Customers appreciate their thoroughness and willingness to go the extra mile.

Services & Prices
Loan Approval Assistance Quoted per loan
Loan Restructuring Quoted per loan
View Profile
(808) 566-6611
Closed Now
1600 Kapiolani Blvd #1320, Honolulu, HI 96814
General Services
Mortgage Services
3

C2 Hawaii

C2 Hawaii specializes in securing competitive mortgage rates through a vast network of over 100 wholesale lenders, offering a no upfront cost policy and a smooth online application process. They provide a range of home loan products, including VA, FHA, Jumbo, and Non-QM loans, for both purchases and refinancing across all Hawaiian islands. Customers appreciate the team’s clear communication and… more...

C2 Hawaii specializes in securing competitive mortgage rates through a vast network of over 100 wholesale lenders, offering a no upfront cost policy and a smooth online application process. They provide a range of home loan products, including VA, FHA, Jumbo, and Non-QM loans, for both purchases and refinancing across all Hawaiian islands. Customers appreciate the team’s clear communication and attentive support, though some note occasional complexities in the process.

Services & Prices
Conventional Refinance Quoted per loan
Reverse Mortgage Refinance Quoted per loan
Cash-Out Refinance Quoted per loan
Home Equity Conversion Mortgage (HECM) Quoted per loan
View Profile
(808) 369-1700
Closed Now
Pauahi Tower, 1003 Bishop St 2700 42, Honolulu, HI 96813
General Services
Refinance
4

Paradise Home Mortgage - Low Mortgage Rates

Paradise Home Mortgage is known for helping clients secure low mortgage rates with a smooth and efficient process. The team assists with purchasing, refinancing, and navigating complex loan options, often going the extra mile to explain details clearly. Customers appreciate their persistence and timely communication throughout the experience.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
Condo Loans Quoted per loan
View Profile
(808) 461-3933
Closed Now
815 Lukepane Ave, Honolulu, HI 96816
General Services
Mortgage Services
5

Adam Karalius - Mortgage Broker (Powered by Edge Home Finance)

Known for supporting military families through complex loan processes, Adam Karalius - Mortgage Broker (Powered by Edge Home Finance) offers expertise in home loans, including VA loans and new builds. The team is praised for clear communication, patience, and proactive guidance, though some clients note the process can still feel challenging at times.

Services & Prices
VA Loan Assistance Quoted per loan
First-Time Homebuyer Assistance Quoted per loan
View Profile
(808) 425-1719
Closed Now
4744 Matsonia Dr, Honolulu, HI 96816
General Services
Home Loan Services
Where they are 10 on the map Click a pin for the profile and directions
6

Jason C. Scott | Mortgage Broker

Known for a straightforward, no-salesmanship approach, Jason C. Scott | Mortgage Broker specializes in helping military members and veterans navigate mortgage options with clarity. The team offers quick turnarounds and clear explanations throughout the process, with clients appreciating their responsiveness and genuine care. Availability can vary, but they work quickly to provide answers when… more...

Known for a straightforward, no-salesmanship approach, Jason C. Scott | Mortgage Broker specializes in helping military members and veterans navigate mortgage options with clarity. The team offers quick turnarounds and clear explanations throughout the process, with clients appreciating their responsiveness and genuine care. Availability can vary, but they work quickly to provide answers when needed.

Services & Prices
Home Purchase Loans Quoted per loan
Refinancing Quoted per loan
VA Loans Quoted per loan
View Profile
(808) 798-9054
Closed Now
500 Ala Moana Blvd Ste 7400, 427A, Honolulu, HI 96813
General Services
Mortgage Services
7

Hawaii Mortgage Company

With over 26 years of experience, Hawaii Mortgage Company specializes in financing a wide range of island properties, including vacation homes and construction projects. The team offers clear guidance through purchase and refinance loans, often praised for their responsiveness and local market knowledge, though some clients note occasional delays during complex transactions.

Services & Prices
Home Mortgage Quoted per loan
Construction Mortgage Quoted per loan
Investment Property Loans Quoted per loan
View Profile
(808) 988-6622
Closed Now
443 Portlock Rd, Honolulu, HI 96825
General Services
Mortgage Services
8

Hawaii Mortgage Experts * HME

Hawaii Mortgage Experts specializes in personalized mortgage solutions tailored to individual financial goals, serving a diverse range of clients from first-time homebuyers to investors. Their team offers a variety of loan options, including FHA, VA, and Jumbo loans, with a focus on clear communication and guidance throughout the process. Customers appreciate their accessibility and dedication… more...

Hawaii Mortgage Experts specializes in personalized mortgage solutions tailored to individual financial goals, serving a diverse range of clients from first-time homebuyers to investors. Their team offers a variety of loan options, including FHA, VA, and Jumbo loans, with a focus on clear communication and guidance throughout the process. Customers appreciate their accessibility and dedication, though the process can take time depending on circumstances.

View Profile
(888) 684-3978
Closed Now
Executive Plaza, 6700 Kalanianaʻole Hwy Unit 215, Honolulu, HI 96825
9

Jay Hall : Hawaii's Mortgage Loan Officer - C2 Hawaii

Known for clear communication and patient guidance, Jay Hall at C2 Hawaii helps first-time buyers and those with unique needs navigate mortgage loans smoothly. The team offers detailed explanations using videos and stays accessible even on weekends. Customers appreciate the honest, responsive service that keeps the process moving without confusion.

Services & Prices
First Time Home Buyer Assistance Quoted per loan
Refinancing Assistance Quoted per loan
View Profile
(808) 824-1976
Closed Now
1003 Bishop St. Pauahi Tower Ste. 2700-42, Honolulu, HI 96813
General Services
Mortgage Services
10

Kama'aina Mortgage Group

Kama'aina Mortgage Group offers access to over 60 lenders, providing a wide range of mortgage options including VA loans, programs for self-employed borrowers, and financing for investment properties. Clients appreciate the team’s clear communication, local expertise, and transparent process, though some note the detailed steps can feel extensive.

Services & Prices
Home Loan Assistance Quoted per loan
Mortgage Refinancing Quoted per loan
View Profile
(808) 426-7661
Closed Now
500 Ala Moana Blvd #400-456, Honolulu, HI 96813
General Services
Mortgage Services

Honolulu Mortgage Statistics

Home-purchase lending in Honolulu County and home costs in Honolulu, HI (latest HMDA and Census data)

Lenders made 6,771 home-purchase loans in Honolulu County in 2025 (average about $685,000) and denied 964 — 12% of decided applications, compared with 13% across Hawaii, according to federal mortgage data (HMDA, CFPB). In Honolulu, the median home is worth $843,400 and 56% of owners have a mortgage, paying a median $3,030 a month (Census ACS 2020–2024).

Home-purchase loans, 2025
6,771▲ 12%6,027 in 2024
Denial rate
12%HI 13%
Median home value
$843,400HI $839,100
Monthly cost with a mortgage
$3,030median · HI $2,904
Refinance loans made (Honolulu County, 2025)
3,982 · 2,677 in 2024
Home-improvement loans made (2025)
1,308
Average home-purchase loan
$685,000 (HI $695,000)
Owners with a mortgage
56% · 42% of them spend 30%+ of income on housing
Median household income
$86,504 (HI $100,389)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Honolulu County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Honolulu Mortgage Brokers stats: 10 businesses compared side by side · updated
# Business Rating Reviews Starting price Phone Website
1 Smart Money, Inc. NMLS #273384 5.0 460 — (808) 447-1850 Visit
2 Myers Capital Hawaii 4.9 190 Quoted per loan (808) 566-6611 Visit
3 C2 Hawaii 5.0 161 Quoted per loan (808) 369-1700 Visit
4 Paradise Home Mortgage - Low Mortgage Rates 5.0 105 Quoted per loan (808) 461-3933 Visit
5 Adam Karalius - Mortgage Broker (Powered by Edge Home Finance) 5.0 101 Quoted per loan (808) 425-1719 Visit
6 Jason C. Scott | Mortgage Broker 4.9 96 Quoted per loan (808) 798-9054 Visit
7 Hawaii Mortgage Company 5.0 94 Quoted per loan (808) 988-6622 Visit
8 Hawaii Mortgage Experts * HME 4.9 88 — (888) 684-3978 Visit
9 Jay Hall : Hawaii's Mortgage Loan Officer - C2 Hawaii 5.0 63 Quoted per loan (808) 824-1976 Visit
10 Kama'aina Mortgage Group 5.0 14 Quoted per loan (808) 426-7661 Visit

How this Honolulu mortgage affordability calculator works

Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.

Hawaii rules and numbers this calculator uses

Debt-to-income
31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
Down payment
At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
Property tax
About 0.31% of the home's value a year, the Hawaii average for owner-occupied homes (2024 Census ACS).
Insurance
Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
Rate
Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.

Frequently asked questions

9 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can qualify for using income, debts, down payment, interest rate, and buyer status. Accurate for general guidance.
What is the debt-to-income ratio for mortgages in Hawaii?
Lenders typically cap housing costs at 31% and total debt at 43% of gross monthly income, following FHA standards.
What is the minimum down payment for a mortgage in Honolulu?
First-time buyers need at least 3% down for conventional loans and 3.5% for FHA loans. VA and USDA loans may allow 0% down.
How does PMI affect my mortgage in Hawaii?
If your down payment is under 20%, PMI adds about 0.6% of the loan annually, removable once the balance is below 80% of the home's value.
How do interest rates impact mortgage affordability in Honolulu?
Higher rates reduce the home price you can afford. Rates start at 7.40% in October 2026 and change weekly.
How do my debts affect the mortgage I can qualify for?
Higher monthly debts reduce the mortgage amount you qualify for since total debt payments are capped at 43% of income.
What are property taxes like in Hawaii?
Property taxes are about 0.31% of the home's value annually, based on the 2024 average for owner-occupied homes.
What's the difference between pre-approval and pre-qualification?
Pre-approval involves verifying income, debts, and credit, providing a more accurate estimate than pre-qualification, which is less detailed.
How much house can I afford on a $100k salary in Honolulu?
The calculator estimates based on your income, debts, and down payment, but a lender's pre-approval will confirm the amount.

General information, not financial advice — consult a qualified professional.