Government Loans

We have expertise in all of the lending programs offered by the U.S. government, including USDA Rural Housing, FHA and VA loans.

USDA Rural Housing Loans

The USDA Rural Development’s single family housing guaranteed loan program assists low- to moderate-income rural homebuyers by partnering with approved lenders to offer affordable interest rates and loan terms. Applicants must purchase homes located within eligible rural areas and have a household income within established limits. This program offers 100% financing, a true affordable option for families looking to purchase a primary residence.

FHA Loans

These are mortgage loans insured by the Federal Housing Administration that are popular with first-time home buyers as a primary residence because they are often easier to qualify for and require only a 3.5 percent down payment.

VA Loans

Home loans available for the purchase of a primary residence for borrowers who have served or are presently serving in the U.S. military are another option. Although the Department of Veterans Affairs does not lend the money, it backs loans made by lenders to those qualified. This program offers 100% financing. We are well versed with VA financing which now allows homes that utilize catchment tanks as a source of water. Let us help you obtain your Certificate of Eligibility to ascertain your funding options!

Mortgage Calculator


Current Rates

Hawaii Mortgage Rates
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The displayed rates and calculator should be used only as a tool to give you a general idea of financing. Please contact our office for a customized quote using mortgage products that will meet your real estate needs.