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.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
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Smart Money, Inc. NMLS #273384
5.0 · 460 reviews · Free pre-approval
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Myers Capital Hawaii
4.9 · 190 reviews · Free pre-approval
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C2 Hawaii
5.0 · 161 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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).
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.
| # | 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 |
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.
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.
General information, not financial advice — consult a qualified professional.