MAY 31ST, 2023

Kauai Mortgage Company, Inc.

Kauai Mortgage Company, Inc. has been providing mortgage services to all of Hawaii Islands since 1996. It is locally owned by broker, Richard Garland. Kauai Mortgage is a full service mortgage brokerage, which means that this company has the ability, contacts and resources to access more types of loans programs than banks and other lending institutions can offer, and can accommodate clients who cannot meet bank guidelines. Because they work with over different 40, they are able to obtain the most competitive rates and terms for you and your home purchase or refinance needs.

As a local business, Kauai Mortgage is familiar with Hawaiian properties, and can help you navigate the unique features of real estate in the Hawaiian Islands. That includes issues relating to agricultural zoning, accessory dwelling units (ADUs), farm dwelling agreements recorded in title, open zoning, conservation zoned properties, ohana units, high land-to-value ratios, condos with low owner-occupancy percentage, single family detached condominium property regime (CPR), guest houses, two kitchens, et cetera.

Whether you are a resident of Hawaii looking to purchase or refinance a home or someone who is looking to relocate to or purchase a vacation home on one of this state’s beautiful islands, Kauai Mortgage has the resources, experience, and know-how to help you finance your goals.

Loans Offered by Kauai Mortgage Company, Inc.

  • Fixed Rate
  • Owner-Builders
  • Fixed Rate/Adjustable Combo Loans
  • Investment Property Loans
  • 3% Down Payment Loans
  • Second Homes
  • 100% Financing Programs
  • Vacation Rentals
  • No Income Verified (for self-employed or salaried employees)
  • Condotels
  • Construction/Permanent Financing
  • Financing for all Credit Grades (from only slightly blemished to bankruptcy/foreclosure)
  • 125% Equity Loans for Debt Consolidation
  • Zero Point Programs
  • First-Time Homebuyers
  • Super Jumbo Financing
  • Land Loans
  • Loans without Mortgage Insurance

Kauai Mortgage originates, processes, and submits the loans to the lenders with which it works, and as such, its brokers cut out some of the work on the part of the lender. In turn, lenders provide the brokers with loan packages at wholesale cost, which means more savings that can be passed on to you as a borrower. As a brokerage company, they are able to offer the most competitive rates, and can help clients in different types of financial situations. Whether you are shopping for the lowest interest rates, need to refinance to stop your home from going into foreclosure, or are a first time homebuyer without money for a down payment, Kauai Mortgage can find a financial package that meets your needs.

To assist you in getting started with the process of buying or refinancing a home, Kauai Mortgage provides a free, no-obligation consultation. By filling out a Mortgage Search form on their website, you can also get pre-qualified, again with no obligation. They also offer loan pre-approval so you know what to look for before you beginning shopping for a new home, and can help you create a financial plan for a future home purchase. On the Kauai Mortgage website, you will also find a mortgage calculator, which you can use to estimate monthly payments, and a Relocation Information Request Form, if you are interested in moving to The Healing Island or to one of Hawaii’s other islands. They also provide links related to visiting Kauai.

Mortgage Guide is not directly affiliated with any mortgage broker or lender and cannot make any guarantee as to the lender affiliation of any broker or agent which contacts you. Company information on our site is for informational purposes only.

This site is not a broker and does not collect or solicit mortgage applications. Content is for informational or comparison purposes only. Services are not available in New York. Products and services may not be available in all other states.