Best fha & va loans rates in Makawao, HI.
Real fha & va loans offers from lenders licensed in Hawaii. Local APRs from 6.75% to 8.00% no credit check required to get started.
Excellent (740+)
6.75% – 7.05%
Good (670–739)
7.05% – 7.45%
Fair (580–669)
7.45% – 7.75%
Poor (< 580)
7.75% – 8.00%
Trusted by borrowers to find the best rate
Trusted by borrowers to find the best rate
Privacy Secured | Advertising Disclosures
FHA & VA Loans APR by credit tier Makawao, HI
Adjusted for Hawaii cost-of-credit. Median APR locally: 7.41%.
Illustrative APR ranges based on credit tier. Median (vertical tick) is the midpoint of each range. Your actual rate depends on income, debt, and lender.
Estimate your payment
Live for Makawao using your credit tier and the local rate range.
Estimated monthly payment
$2,005.99 – $2,087.38
APR range
7.05% – 7.45%
Total interest
$422,157 – $451,457
Makawao vs national average
Local median APR (HI)
7.41%
National median APR
6.91%
On a typical $300,000 fha & va loans over 30 years, that works out to paying about $36,496 over the life of the loan before lender shopping.
HI · Maui County snapshot
Makawao, HI
- Population
- 17,353
- Mean income
- $83,443
- Lenders licensed
- 299+
- Typical loan
- $300,000
Local snapshot updates as our lending partners onboard new programs in Makawao. 1 ZIPs served.
Why borrow locally in Makawao
One application. FHA & VA Loans offers from lenders licensed in Hawaii.
FHA for first-time buyers with low down payment options. VA for veterans and active-duty service members often with zero down and no PMI.
- No credit check required we verify your info
- 300+ lending partners licensed in Hawaii
- Real pre-qualified offers, not teaser rates
- Free to compare lenders pay us, never you
FAQs for Makawao borrowers
FHA & VA Loans questions, answered.
Do I qualify for VA?
Active duty, veterans, National Guard, Reserves, and some surviving spouses qualify. You need a Certificate of Eligibility from the VA we help you get it.
What's the FHA loan limit?
Varies by county typically $498,257 in low-cost areas up to $1,149,825 in high-cost areas (2024).
Can I have FHA and VA?
You can only have one VA loan active in most cases (entitlement-based). FHA is one-at-a-time too with limited exceptions.
Does FHA require mortgage insurance?
Yes both an upfront premium (1.75%) and ongoing annual MIP. Often refinanced into a conventional loan once you have 20% equity.
More loan types in Makawao
Compare other rates in Makawao, HI.
Find your fha & va loans rate in Makawao, HI.
Get matched with pre-qualified fha & va loans offers from $50,000 to $1,500,000 in under 2 minutes.
Trusted by borrowers to find the best rate
Trusted by borrowers to find the best rate
Privacy Secured | Advertising Disclosures