NMHL Mortgage Lending
Mortgage Lender in Kona, HI
Local expertise and competitive rates for Kona homebuyers.
Kona, Hawaii's sunny west coast, is a desirable destination for homebuyers and investors alike. With a median home price of $650,000, the Kona housing market is characterized by a mix of resort living, coffee farming, and tourism. At National Mortgage Home Loans (NMHL), we understand the unique challenges and opportunities that come with buying or refinancing a home in Kona. Our expertise in serving underserved borrowers, including those with bad credit, self-employed individuals, and first-time homebuyers, makes us the go-to lender in this market.
As a licensed mortgage lender operating across 29 US states, NMHL offers a range of mortgage products tailored to Kona's diverse housing needs. From conventional and jumbo loans to second-home and investment property loans, our experienced loan officers can guide you through the process. With NMHL's pre-approval process, you can confidently navigate the Kona housing market and find your dream home.
Kona Housing Market Overview
Kailua-Kona, commonly called Kona, is the sunny resort hub of the Big Island's west coast. The area combines tourism, coffee farming, and resort living. Ironman World Championship fame and year-round sunshine make it a desirable destination for homebuyers.
Kona Neighborhoods
Popular areas for homebuyers in Kona, HI
ZIP Codes We Serve in Kona
Mortgage lending available in these Kona ZIP codes
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Kona
Explore mortgage options tailored to Kona homebuyers
Refi-Shield
Learn MoreFirst Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Kona Neighborhoods to Consider
Kona is comprised of several unique neighborhoods, each with its own character and charm. Some popular areas include:
- Ali'i Drive: A scenic coastal road lined with shops, restaurants, and condos.
- Keauhou: A historic town with a rich cultural heritage and modern amenities.
- Holualoa: A picturesque town known for its coffee farms and artistic community.
- Kalaoa: A residential area with a mix of single-family homes and condos.
When exploring these neighborhoods, consider factors like commute time, schools, and local amenities to find the best fit for your lifestyle.
Ready to explore Kona's neighborhoods? Contact NMHL to get pre-approved and start your home search today.
Mortgage Options for Kona Borrowers
At NMHL, we offer a range of mortgage products tailored to Kona's diverse housing needs. From conventional and jumbo loans to second-home and investment property loans, our experienced loan officers can help you find the right financing solution.
For first-time homebuyers, we offer programs with as little as 3.5% down. We also provide mortgage options for self-employed individuals and those with bad credit. Our loan officers will work with you to determine the best mortgage product for your unique situation.
Don't let credit challenges hold you back. NMHL's got mortgage options for borrowers with bad credit.
Down Payment Assistance in Kona
Kona borrowers can take advantage of down payment assistance programs to help make homeownership more accessible. Programs like the Hawaii HomeOwnership Program (HHOP) and the National Homebuyers Fund (NHF) Down Payment Assistance Program provide grants or matching funds to help with down payment and closing costs.
NMHL can help you determine which programs you're eligible for and guide you through the application process. Our experienced loan officers will work with you to explore your options and find the best solution for your needs.
Need help with down payment? NMHL can guide you through the available assistance programs.
Why Choose NMHL for Your Kona Mortgage?
At NMHL, we're committed to providing exceptional service and expertise to Kona borrowers. Our experienced loan officers understand the local market and can guide you through the mortgage process.
We specialize in serving underserved borrowers, including those with bad credit, self-employed individuals, and first-time homebuyers. Our flexible mortgage products and personalized service make us the go-to lender in Kona.
Ready to start your Kona mortgage journey? Contact NMHL today to get pre-approved and take the first step towards homeownership.
Frequently Asked Questions
In Kona, the average property tax rate is 0.29%. This rate applies to the assessed value of your property, which is typically a percentage of the home's market value. It's essential to factor property taxes into your overall housing costs when considering a home purchase in Kona.
Kona is served by the Hawaii Department of Education, with several schools in the area, including Konawaena High School and Kealakehe High School. While school districts can impact home values, Kona's unique character and resort lifestyle also play a significant role in determining property values. It's worth researching the local schools and their reputations when considering a home purchase.
Hawaii offers several first-time homebuyer programs, including the Hawaii HomeOwnership Program (HHOP) and the Hawaii Housing Finance and Development Corporation (HHFDC) Down Payment Assistance Program. These programs provide financial assistance and tax credits to help make homeownership more accessible. NMHL can help you navigate these programs and determine which ones you may be eligible for.
While having bad credit can make it more challenging to secure a mortgage, NMHL offers mortgage options for borrowers with less-than-perfect credit. Our loan officers can help you explore alternative credit scoring models and subprime loan products that may be available to you. We also provide guidance on credit repair and rebuilding strategies to improve your chances of approval.
Kona borrowers can take advantage of down payment assistance programs, such as the Hawaii HomeOwnership Program (HHOP) and the National Homebuyers Fund (NHF) Down Payment Assistance Program. These programs provide grants or matching funds to help with down payment and closing costs. NMHL can help you determine which programs you're eligible for and guide you through the application process.
Getting pre-approved for a mortgage in Kona is easy with NMHL. Simply contact one of our experienced loan officers, and they'll guide you through the pre-approval process. We'll review your creditworthiness, income, and other factors to determine how much you can borrow and provide you with a pre-approval letter to present to sellers.
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Ready to Buy in Kona?
Let NMHL help you navigate the Kona housing market with expert guidance and competitive rates.