Buying a Home in Hawaii

Buying a Home in Hawaii

Buying a Home in Hawaii

Being a Hawaii mortgage banker and a mortgage broker gives Makai Mortgage the distinction of being both a direct lender and a broker to over twenty banks. This means a greater number of available loan options and a greater possibility of making your dream of buying a home in Hawaii a reality.

Mortgage Banker & Broker

Makai Mortgae can make Hawaii home loans directly, which often results in significant cost savings and faster loan processing times. In addition, our extensive portfolio of financing partners give you access to a wide variety of loan programs so we can pair you with product specific for your individual needs. 

Property Classifications Unique to Hawaii


Many homes in Hawaii have an attached or detached accessory dwelling known locally as an ohana. A single-family residence with an ohana is considered a 1- unit home, but it is sometimes confusing to brokers and lenders on the mainland. At Makai, we work with the best lenders in the business who have extensive experience in lending on these types of properties – making it possible to close your loan quickly and smoothly.


A CPR (Condo Project Regime) property is another classification that is common in Hawaii. When a homeowner decides to sell the units on their property separately, they begin the CPR process. This process results in the units each having their own address. A CPR property has two or more units and may have common areas much like a condominium. While the property may resemble a condominium, it does not have to be financed like one – which could result in you paying a much higher rate. Be sure to work with a lender who understands these properties and guides you to the best loan option available.