First Time Buyer

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Shopping for the right mortgage

We can help you find a mortgage that's right for you. There are many programs to choose from and many ways to structure a loan. Different loan programs will offer benefits that appeal to borrowers at different stages of life.

Before you begin, consider these important questions: 

  • Do you expect any changes over the next few years? These include expanding your family, having children go off to college, or moving away.
  • Do you expect any changes in income due to promotions, relocations, retirement, inheritance or pensions?
  • Do you plan to make changes to your investments?
  • Do you have other debt?

When shopping for a mortgage, you should always evaluate your choices carefully and consider how they will fit with your long-term financial plan. In the end, the down payment needed and monthly mortgage payment are two important factors. 

Call us for a free consultation. Together, we'll find the program that's best for you.


Honolulu HomeLoans, NMLS #314918, is Hawaii's largest locally owned mortgage banker, helping thousands of Hawaii families obtain their dream home or refinance their current property. Our vision is to consistently bring a positive, progressive lending experience and a wide variety of products at a competitive price to all walks of life. With more than 1,000 combined years in the real estate, finance and mortgage banking industries, HHL is also Hawaii's most experienced mortgage company. ...



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- NMLS: 314918
745 Fort Street #1001
Honolulu, Hawaii 96813
Phone: (808) 681-7500


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