West Capital Lending
Randy Mathis
All States

Mortgage Broker in Hawaii

Licensed to originate mortgages in Hawaii (HI) through West Capital Lending. Purchase, refinance, and investment property loans with access to over 160 lenders.

Last updated: April 2026

Key Facts

Randy Mathis is a licensed mortgage broker serving Hawaii through West Capital Lending (NMLS# 1516760). Available programs include Conventional, FHA, VA, Non-QM, DSCR, Bank Statement, HELOC, Reverse Mortgage, and Commercial loans. The conforming loan limit in Hawaii is Varies by county, up to $1,209,750 in high-cost areas for 2026.

Mortgage Lending in Hawaii

Hawaii has one of the highest median home prices in the nation, driven by limited land availability and strong demand from both residents and out-of-state buyers. All four counties are designated high-cost areas with elevated conforming loan limits. The state's unique real estate market includes leasehold properties alongside fee simple ownership, and the presence of military bases creates strong VA loan demand.

With access to over 160 lenders through West Capital Lending, I can shop your loan across multiple investors to find the best rate and terms available for your specific situation in Hawaii. Whether you are a first-time homebuyer, looking to refinance, or building an investment portfolio, I have programs designed to fit your needs.

Available Loan Programs in Hawaii

Conventional

Traditional financing with as little as 3% down. Competitive rates for purchase and refinance.

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FHA

Government-backed loans with 3.5% down and flexible credit requirements for first-time buyers.

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VA

Zero down payment and no PMI for eligible veterans, active-duty, and qualifying spouses.

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Non-QM / DSCR

Bank statement, DSCR, asset depletion, and other flexible programs for self-employed and investors.

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HELOC / HELoan

Access your home equity with a line of credit or fixed-rate home equity loan.

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Reverse Mortgage

Convert home equity into cash with no monthly mortgage payments for homeowners 62 and older.

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Commercial

Financing for commercial properties, mixed-use buildings, and business real estate needs.

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Frequently Asked Questions

What are the conforming loan limits in Hawaii?
All four Hawaii counties are designated high-cost areas with conforming loan limits above the national baseline. In 2026, limits reach up to $1,209,750 for single-family homes in the highest-cost counties. These elevated limits help more Hawaii buyers qualify for conventional financing rather than jumbo loans.
Can I use a VA loan in Hawaii?
Yes, VA loans are widely used in Hawaii given the state's significant military presence across all islands. VA loans offer no down payment and no PMI, which is especially valuable in Hawaii's high-cost market. The VA loan limit in Hawaii aligns with the high-cost conforming limit, allowing for substantial loan amounts.
What is leasehold property in Hawaii?
Leasehold property means you own the building or home but lease the land it sits on, typically for a set term. This is common in Hawaii and can significantly affect property values and financing options. Not all lenders finance leasehold properties, so working with a broker who has access to multiple lenders is important.
Is Randy Mathis licensed to lend in Hawaii?
Yes, Randy Mathis (NMLS# 1516760) is licensed to originate mortgages in Hawaii through West Capital Lending. Randy works with buyers across all four counties and can navigate the unique aspects of Hawaii's real estate market including high-cost area lending and specialized property types.
Can I get a Non-QM loan in Hawaii?
Yes, Non-QM loans are available in Hawaii and are particularly useful for self-employed borrowers, foreign nationals, and real estate investors in the islands. Bank statement loans, asset depletion loans, and DSCR programs provide flexible alternatives to traditional qualification in Hawaii's high-value market.

Ready to Get Started in Hawaii?

Let me find you the best mortgage rate from our network of 160+ lenders. Apply online or schedule a call to discuss your options in Hawaii.

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Randy Mathis NMLS# 1516760 | West Capital Lending NMLS# 1566096 | NMLS Consumer Access