Hawaii mortgage lenders are located on all of the Hawaiian Islands: Hawaii (also known as "Big Island"), Molokai, Kauai, Maui, Lanai, and Oahu. Most lenders, however, are located in Hawaii's capital, Honolulu. Contrary to what many people think, Honolulu is located not on the Big Island of Hawaii, but rather on the isle of Oahu. This makes sense, for Oahu is also the location of Hawaii's the principle airport, seaport, and commercial, educational and financial centers.

If you're thinking of moving to Hawaii or purchasing commercial property there, then it certainly pays to compare among the many Honolulu-based lending institutions. If you plan on visiting in person, this enables you to pack a number of meetings into one trip, allowing for more efficient use of your time and energy. While on your visit, you can sit down with a lender and talk specifics.

What Hawaii Lenders Should Offer

However, Honolulu isn't the only area of Hawaii with reputable and experienced mortgage lenders. The other islands of Maui, Kauai, and Hawaii also offer numerous banks and mortgage brokers. Many of these are branch locations of major, state-based lending institutions, usually headquartered in Honolulu. No matter what the specific location, though, all Hawaiian lenders should provide certain basic services to prospective buyers.

These services include complete, accurate, and regularly updated mortgage listings. They also include state-of-the-art tools to help buyers calculate monthly payments based on any type of mortgage, whether fixed-rate, ARM, jumbo, or 10, 15, or 30-year plans. Just as important as these technical tools, however, is the quality of personalized customer service and individual expertise provided by brokers and agents.