Our Competitive rates

We offer mortgage rates that are frequently 0.25% to 0.5% lower than banks and other lending institutions, helping you obtain a loan at the best rate and costs.

TODAY'S MORTGAGE RATES*

15 Year Fixed

6.250% rate 6.739% apr

30 Year Fixed

6.750% rate 7.063% apr

VA 30 Year Fixed

6.250% rate 6.555% apr

The Interest Rates, Expertise and Service You Deserve

Myers Capital Hawaii celebrates more than 20 years an award-winning, family-owned mortgage company. Since 1998, we specialize in residential home loans, commercial mortgages, and real estate advisory services, helping thousands of borrowers to purchase a home or refinance an existing loan.

Whether you are a first-time homebuyer, an existing homeowner looking to refinance, a seasoned real estate investor, or business owner who needs capital, Myers Capital Hawaii takes an all-encompassing approach in providing mortgage solutions and expert guidance to find the right loan program while helping you meet your real estate financing needs and achieve your overall financial goals.

Convert Home Equity Into Cash

Make Home Improvements | Consolidate High-Interest Debt
Build an Emergency Fund | Purchase Additional Real Estate

Home Equity Line of Credit (HELOC)
A revolving line of credit with a variable interest rate that you can use as needed, including emergency and planned expenses. Pay no interest unless you use it.

Home Equity Loan
A fixed-rate loan with a set amount, term and monthly payments. Receive a lump sum at loan closing that you can use to cover large expenses like home renovations.

Finance a Home Purchase

Refinance an Existing Mortgage

Numerous Loan Programs

Wide Range of Loan Programs
Numerous home loan programs with down payments as low as 3%. These include Conventional, FHA, and USDA. For higher price homes, choose a Jumbo Loan.

VA Loans
Low or no down payment. Competitive rates. No monthly mortgage insurance. Flexible qualification guidelines. VA Home Loan, VA Interest Rate Reduction Refinance (IRRRL) or VA Cash-Out Refinance.

Reverse Mortgage Loans
Tap into cash from your home’s equity. Cover living and healthcare expenses without having to sell your home. Keep full title and control of your home. Social Security or Medicare benefits typically not affected.

Specialty Condotel Financing
Purchase or refinance a condominium hotel unit in Hawaii. Earn year-round rental income. No owner-occupancy, full kitchen or parking requirements. Hotel pool and short-term rentals (30 days or less) allowed.

What makes us special?

We are more than just a mortgage company. We offer superior home loan services with mortgage planning to help borrowers determine how buying a home or refinancing fits their current and future plans. Our company philosophy is dedicated to developing a mortgage investment plan that works with life milestones to educate and help borrowers to meet their overall financial goals. Whether you are about to experience a marriage, home buying, new children, or retirement, while considering a home loan, we can provide guidance to help you shape a healthier financial future.

Find out how we helped our clients featured in the videos. CLICK HERE.

Contact us today to learn more!

Why choose myers capital hawaii?

Competitive Rates

Our company philosophy has been built around delivering the lowest possible interest rates and costs to our clients. Our mortgage rates are frequently 0.25% to 0.5% lower than banks and other lending institutions.

Transparency

We educate our clients with full transparency on how interest rates and costs are determined for their specific situation. Why they qualify for a certain amount, and if needed, what steps are needed to improve their qualifications for the future.

Service

We still think it’s incredibly important to have live communication with our clients. We are committed to phone calls never going to voicemail and always having someone available for you to speak with.

Mortgage planning

Any good lender can provide a loan. We pride ourselves on going the extra mile and providing strategic guidance to make sure your short and long term financial goals are met.

WHO WE HELP

Homeowners

Refinancing and Fixed-Rate Home Equity Loans

Homebuyers

We provide competitive and flexible purchase programs to allow you to obtain your desired home in the islands.

Real Estate Agents & Investors

We work with knowledgeable real estate agents who want to give their clients an upper hand when making offers and investors as a strategic partner during acquisition of both long term hold and fix and flip properties.

Our Mortgage Products

residential

Conventional 30, 20, 15 and 10 Year Fixed
VA and VA Jumbo
FHA & USDA
Jumbo and Super Jumbo up to $10 Million
40-Year Fixed Rate – Interest Only
First-Time Home Buyer programs
Reverse Mortgage Loans
Home Equity Loans
Home Equity Line of Credit (HELOC)
No Ratio Loans (no income documentation)
Non-Permanent Resident Alien/Foreign National
Investor Fix and Flip Loans
Non-Warrantable Condos
Condotels

Commercial

PROPERTY TYPES: Warehouse,
Apartment Buildings, Office and Retail
Bridge Loans
Discounted Payoffs (DPO)
Construction
Mezzanine
Note Purchases

Awards and Honors

We thank you for allowing us to serve your mortgage needs since 1998.

Contact us today to learn more!

Testimonials

"We had refinanced our mortgage just under a year ago, but the rates dropped and it was inevitable that we\'d do it again. I was dreading the long, tedious process and was concerned that the rates would climb back up before we could get everything finalized. Was it really going to be worth it? ABSOLUTELY! Steve Barnes and Reed Myers handled the transaction smoothly and expeditiously.
I never imagined that refinancing could be so uncomplicated. We would recommend Meyers Capital to anyone who\'s buying or refinancing their home. Thank you for the excellent service!"

- Marci M.

"Myers Capital were very professional and knowledgeable in helping me get a good VA rate for refinance. Mr. Reed Myers, Jeremiah Blake and team followed up with me every step of the way and made sure everything fell into place. They had an answer to every question that I had and was more than willing to explain things when I didn’t understand. I would highly recommend Myers Capital if you need a loan. They will not disappoint!"

- Nel I.

"I’ve used Myers Capital for three loans. After applying at several of the local banks and a few brokers, which were all nice for the most part, it is clear that Myers Capital makes it easiest for me to do all of the necessary paperwork with the least amount of confusion or running around. Getting a home loan is always more than it seems at first and by the time you’re near the end of the process you can easily be more than worn out.
Save yourself even more headache and try Myers Capital to minimize the loan process with a good company with an empathetic and experienced leader. For each of my loans I felt that they had to go the extra mile and they did. This is my experience and I stand by it confidently. "

- Michael P.

"Thank you very much Kendall Naya and Sharlene Aoki. I called them the MIRACLE WORKERS. I was totally impressed by their service. Kendall Naya is a wonderful miracle agent at Myers Capital. If it wasn\'t for him I would not have gotten a much lower interest rate on my mortgage. He was there 24/7 whenever I had a question and was very patient with us during our refinancing. I can\'t thank him enough for all his hard work and for always being there whenever we needed him.
Sharlene Aoki is the sweetest and such a wonderful person. She worked really, fast processing our loan and did a terrific job which we were totally surprised how fast it went through. Everything went so smoothly and it was easy working with both of Myers Capital Hawaii Agents. Thank you."

- Karen F.

News

8.23.2023

A Remarkable Mortgage Company