FHA Loans

Endless opportunities to meet all your home loan needs.

Federal Housing Authority (FHA) loans have been helping people become homeowners since 1934. Contrary to popular belief, FHA loans are NOT only for 1st time home buyers.

Some benefits of FHA loans are:

  • Low down payments (Minimum 3.5% down payment)
  • Down payment can come from a gift from a family member, community grant or 2nd mortgage
  • Low closing costs
  • Flexible credit qualifying
LEARN MORE

Why choose an FHA Loan?

Buying your first home?

FHA might be just what you need. Your down payment can be as low as 3.5% of the purchase price, and most of your closing costs and fees can be included in the loan. Available on 1-4 unit properties (i.e. single family home, duplex, triplex, etc…)

Want a fixer-upper?

FHA has a loan that allows you to buy a home, fix it up, and include all the costs in one loan. Or, if you own a home that you want to remodel or repair, you can refinance what you owe and add the cost of repairs – all in one loan.

Want to make your home more energy efficient?

You can include the costs of energy improvements into an FHA Energy-Efficient Mortgage.

Want to buy a home for your child?

Have you ever thought of buying a home or condo for your college student to live in while they are away at school? Or maybe you want to buy your first home but need mom and dad’s help. In most cases a college student or young person just starting out does not have enough income to qualify for a loan on their own. With an FHA loan we can use the parent’s income to help the child qualify for the loan as an owner occupied property with just 3.5% down!

Getting Started

Free Rate Quote

Whether it’s time to buy or refi, we’re here to help you take the next step. Fill out our form and one of our loan specialists will be in contact with you.

LEARN MORE

Calculators

Not sure whether or not now is the time to buy or sell a home? Calculate your own potential rates with our variety of mortgage calculators for all your finance needs.

LEARN MORE

Ready To Get Your Loan?

Feeling confident and ready to start the home loan process? Apply online here.

LEARN MORE

Happy Home Owners

Hear what some of your friends and neighbors have to say about working with Cardinal Hawaii.

Average of 5 stars, total of 73 Ratings

Come home to a place you can call your own.

Get your free rate quote today.

Come home to a place you can call your own.

Get your free rate quote today.

FREE RATE QUOTE