USDA Home Loans

Endless opportunities to meet all your home loan needs.

Our USDA home loan program offers individuals and families the opportunity to purchase their Hawaiian dream home regardless of the financial hurdles they face. Our highest priority is to assist eligible applicants in building, improving, or relocating around rural areas in order to live a more fulfilling and progressive life.

Some benefits of USDA home loans:

  • Perfect for low to moderate income individuals and families
  • 0% down payment structure available
  • Quick approval process
  • Flexible credit guidelines
  • Some of the lowest interest rates on the market

Why choose a USDA Home Loan?

Perfect for low to moderate income individuals and families:

The USDA rural home loan was created to assist low to moderate income families with the opportunity to purchase a home without financially burdening them beyond their means.

0% Down Payment Structure:

Most loan options require a percentage of your loan payment up front for approval and better interest rates. This upfront requirement, referred to as a down payment, keeps many families from purchasing a new home. Our USDA home loan program allows qualified borrowers to purchase their perfect Hawaiian home without a down payment while keeping interest rates low.

Quick Approval Process:

Our team of mortgage experts work passionately through qualification process in order to help our clients receive their loan and purchase get their new home quicker than any other mortgage organization.

Flexible Credit Guidelines:

Home Buyers with less than perfect credit are still eligible for a USDA home loan. If credit score is a concerning factor when looking for a new home, contact one of our mortgage experts to get help and find the USDA home loan option that best fits your needs.

Low Interest Rates:

With USDA guaranteed backing and our mission to help low income families live the life they deserve , our USDA home loans offer some of the lowest interest rates on the market.

Getting Started

Here are some essential tools and documents to help you begin the process of purchasing a home:

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 buy or sell a home? 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.

Average of 5 stars, total of 74 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.