Need a home loan to fit your family & budget?

Get a better mortgage rate, cash out of your home, leverage your equity, or buy your dream home.

How it Works

Our Streamlined Lending Process

Free Rate Quote

Begin with a free 2-minute loan evaluation to see what rates and loan types you qualify for, connecting you with a local loan officer.

Portal Access

Once you've connected with a loan officer, you will receive a link to your Octane® account, our secure and paperless home loan platform that makes the process faster and easier.

Customize Your Loan

Our loan specialists give expert, custom recommendations with real interest rates and payments. You'll be able to compare options within Octane® and lock your loan rate.

Complete Your To-Do List

Octane® generates a personalized to-do list of the remaining documents we’ll need from you to upload or e-sign at your own pace.

Loan Processing & Approval

Track your real-time loan processing in the portal. Once approved, Octane® will also generate your closing documents to review at your convenience.

Why Cardinal Hawaii?

With our firm foundation of hometown values, our close client relationships, and our community-based experts, we have helped borrowers fulfill the dream of homeownership for more than 30 years.

Local Lender

Low Interest Rates

Hassle-Free Lending

Variety of Loan Programs

Innovative Technology

Part of the Community

Client Feedback

Expert Advice, Moments Away...