FINANCING FOR KAHUINA
Your lender for Kahuina
From pre-qualification to closing
Mortgage Hawaii is an approved project lender for Kahuina. Whether you're applying through the HHFDC program, the DEP program, or conventional financing, we'll walk you through every step — and make sure your application stays on track.
Why you need an approved lender
To apply for Kahuina, you need a pre-qualification letter from an approved project lender.
That letter is a required part of your HHFDC application package. Without it, your application can't move forward.
Mortgage Hawaii is on the Kahuina approved lender list. We know the process, we know what HHFDC requires, and we'll make sure your pre-qual letter is done right, so your application doesn't stall before it starts.
A new residential community in the heart of Kaka'ako.
Kahuina is a brand-new development by Kaka'ako Block C, an affiliate of Stanford Carr Development, offering 1, 2, and 3 bedroom homes in one of Honolulu's most connected neighborhoods. Units are available at below-market prices through the HHFDC Affordable Housing Program, with prices set by area median income, not the open market.
HHFDC Starting Prices
1 Bedroom (507–620 sq ft) – From $598,888
2 Bedroom (707–711 sq ft) – From $692,800
3 Bedroom (1,076 sq ft) – From $839,900
For full project details, floor plans, and availability, visit mykahuina.com.
PROGRAMS WE SUPPORT
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For eligible first-time homebuyers earning at or below 140% of area median income. Prices are set by HHFDC, not the market, giving qualified buyers the opportunity to own in Kaka'ako at a price that fits their budget. A 5% down payment is required, and gift funds from a relative are allowed up to 35% of the purchase price.
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The HHFDC Dwelling Unit Equity Pilot provides $70,000–$90,000 toward your purchase price — structured as a second mortgage with no monthly payment, 0% interest, and a 30-year term. Designed for professions facing a labor shortage in Hawai'i:
· Healthcare workers
· Educators
· Law enforcement & correctional officers
· EMTs & water safety officers
· Agricultural field workers
DEP applicants follow the same HHFDC application process with one addition: a completed, signed, and notarized DEP Affidavit, plus a separate pre-qualification letter specifically for the DEP program.
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Not applying through HHFDC? We can still finance your Kahuina purchase. As a local independent lender, we work with a broad network of investors to find competitive rates without the overhead of a big bank.
GETTING PRE-QUALIFIED IS SIMPLER THAN YOU THINK
Start with a conversation
Tell us your situation, which program you're applying for, and where you're at financially. No paperwork yet — just a conversation.
Gather your documents
We'll give you a clear checklist of what's needed — tax returns, paystubs, bank statements. You'll know exactly what to pull together and why.
Receive your pre-qualification letter
We issue your HHFDC or DEP pre-qualification letter so you can submit your application to the Kahuina portal on time.
We stay with you through closing
Once you've selected your unit, we handle your full loan from application to closing. You'll have a direct line to your loan officer the entire time.
A local lender built for the client experience.
We're an independent mortgage brokerage based in Honolulu. No call centers, no rotating representatives. You work with one loan officer — someone who knows your file, knows the Kahuina project, and knows Hawaii's market.
The HHFDC process has specific requirements and tight timelines. We've done this before. We'll keep you on track, flag what's needed before it becomes a problem, and make sure nothing slows down your application.
WHY MORTGAGE HAWAII
Every loan officer at Mortgage Hawaii is selected for four qualities:
Care: Patient, step-by-step support from start to finish
Communication: Proactive updates so you're never left wondering what's next
Counsel: Clear explanations of every decision, not just instructions to follow
Clarity: A defined roadmap so you always know where you stand
READY TO GET STARTED?
Connect with a Mortgage Hawaii loan officer.
We'll answer your questions, explain your options, and get your pre-qualification underway.
Mortgage Hawaii NMLS #2366394. Not a commitment to lend. All loans subject to credit approval and program eligibility. HHFDC and DEP program details subject to change — visit mykahuina.com for official program information.