Lowering your mortgage payment is easier than ever!

Why pay more than you have to? Refinancing your current home loan helps to lower your rates and improve your loan terms to create a more manageable plan. Even changing the terms of your mortgage loan can maximize your monthly income. Don’t miss your chance to take advantage of today’s low mortgage rates.

Types of refinance options available:

  • Cash-out refinance loan
  • Fixed-rate refinance loan
  • FHA streamline refinance
  • VA interest rate reduction

Our Refinance Options:

Cash-Out Refinance Loan

Use your home equity to your advantage with this viable option. Get money out of your home and use it for your current needs. Find out if it makes sense to refinance with our refinance calculator. You may want to further your goals or enhance your life for you and your family with the equity already in your home.

Fixed-Rate Refinance Loan

Refinancing your home loan to a fixed-rate mortgage offers you consistency that can help make it easier for you to set a budget. Your mortgage interest rate, and your total monthly payment of principal and interest, will stay the same for the entire term of the loan.

FHA Streamline Refinance

The FHA Streamline is a refinance program from the Federal Housing Administration which could get you a lower rate on your FHA mortgage without an extensive qualification process. Simply put, the typical refinance process is greatly streamlined, saving you time and effort. FHA Streamline is also known as FHA IRRL (Interest Rate Reduction Refinance Loan). In order to qualify for this program, you must currently be in an FHA loan.

VA Interest Rate Reduction Refinance Loan (VA IRRRL)

No out-of-pocket costs. Save hundreds per month.

It’s never been easier to refinance using your VA loan benefit. Our streamlined process allows you to lower your monthly payment or take cash out of your home with very little work and no money out of your pocket.

Getting Started

Improve your loan to lower your payment and better meet your needs.

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.



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


Ready To Get Your Loan?

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


Happy Home Owners

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

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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.