Business Details
Your Trusted Hawaii Mortgage Broker
At Hawaii Mortgage Experts, we are dedicated to simplifying the mortgage process while delivering tailored solutions that align with your unique financial goals. Our team prioritizes your needs by offering a comprehensive range of loan products, including VA, FHA, USDA, JUMBO, and Conventional options, ensuring flexibility without being constrained to a single lender. With an in-house processing team, we provide seamless guidance and exceptional customer service throughout the entire loan journey.Our expertise as local Hawaii mortgage specialists enables us to offer personalized advice, leveraging low mortgage rates to help you save through refinancing or achieve homeownership with minimal down payments. We pride ourselves on transparency, accessibility, and a commitment to empowering clients with informed decisions about their financing options.
Services
Fixed Rate Mortgages
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinance Options
Cash-Out Refinance
First-Time Homebuyer Programs
Investment Property Loans
Rehab Loans
Highlights and features
- We offer 20+ years of combined experience in Hawaii mortgage lending.
- Our team provides personalized loan solutions tailored to individual financial goals.
- We offer a wide range of loan options, including VA, FHA, USDA, and Jumbo mortgages.
- Our in-house processing ensures faster turnaround and dedicated customer support.
- We prioritize transparency and no hidden fees in all mortgage transactions.
What people say
Expert guidance
Personalized solutions
Efficient processing
Transparent communication
Local expertise
Services
Fixed Rate Mortgages
Fixed Rate Mortgages provide consistent interest rates and monthly payments over the loan term, ensuring long-term financial predictability. Ideal for borrowers seeking stability, these mortgages protect against market fluctuations. Our 15- and 30-year options balance lower interest costs with manageable payments, empowering homeowners to build equity confidently.
FHA Loans
FHA Loans enable homebuyers with limited savings or lower credit scores to purchase homes with as little as 3.5% down. These government-backed loans eliminate private mortgage insurance requirements, reducing monthly costs. We guide clients through FHA eligibility criteria, ensuring accessible pathways to homeownership for first-time buyers and those rebuilding financial stability.
VA Loans
VA Loans offer military veterans and active-duty personnel zero-down payment options and competitive rates. As experts in VA financing, we streamline the process for 100% financing eligibility while addressing unique requirements like property inspections. Our team ensures veterans leverage their benefits for stress-free home purchases or refinancing opportunities.
USDA Loans
USDA Loans provide zero-down payment solutions for eligible buyers in designated rural and suburban areas. These government-guaranteed loans prioritize low-to-moderate-income households seeking affordable homeownership. We assist clients in verifying property eligibility and navigating income limits to secure financing for primary residences in qualifying locations.
Jumbo Loans
Jumbo Loans cater to high-value property purchases exceeding conventional loan limits. With flexible fixed or adjustable-rate options, we help clients finance luxury homes or investment properties. Our competitive rates and personalized underwriting accommodate unique financial profiles, ensuring access to premium real estate opportunities in Hawaii's market.
People
Deanna Butler
President
Deanna Butler leads Hawaii Mortgage Experts with a focus on client-centric service, leveraging 15+ years of mortgage industry experience to ensure strategic growth and operational excellence.
Don Butler
CEO
As CEO, Don Butler drives innovation in mortgage solutions, combining deep market knowledge with a commitment to simplifying the home financing process for Hawaii residents.
Gavin Burelson
Loan Officer
Gavin Burelson specializes in personalized mortgage consulting, helping clients navigate loan options with expertise in first-time homebuyer programs and refinancing strategies.
Maximus Johnston
Loan Officer
Maximus Johnston provides tailored mortgage advice, focusing on VA and USDA loans to support veterans and rural homebuyers in achieving their property goals.
Jacob Chan
Loan Officer
Jacob Chan assists clients with conventional and jumbo loans, offering insights into investment property financing and long-term mortgage planning.
Questions
What mortgage loan types do you offer?
We offer FHA, VA, USDA, Conventional, Jumbo, and rehab loans, along with refinancing options tailored to diverse financial situations.
Can I refinance my current mortgage?
Yes, we provide rate-and-term refinancing and cash-out options to help lower payments or access home equity at competitive rates.
Are VA loans available for zero-down purchases?
Yes, eligible veterans can finance 100% of a home's value with VA loans, subject to property and income requirements.
Do you offer first-time homebuyer programs?
Yes, we specialize in low-down payment FHA loans and other programs designed to assist first-time buyers in Hawaii.
How do USDA loans work in Hawaii?
USDA loans provide zero-down financing for eligible buyers in rural/suburban areas, with income limits and property eligibility requirements.
What are current mortgage rates?
Rates fluctuate daily; contact us for personalized rate quotes based on your credit profile and chosen loan type.
