Aloha! Welcome to Hawaii!

The LOWEST Zero Point Rates ANYWHERE!

30 Year Fixed

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15 Year Fixed

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  • If you are buying a home in Hawaii (Condo, SFH or 2-4 Unit), we can generally get you a loan quickly and at the lowest rates available. American Home Finance are financial specialists dealing with Mortgage Rates in Hilo HI. We specialize in making sure that your mortgage process is as simple and smooth as possible.
  • If your home mortgage in Hilo HI is “upside down” we have programs to refinance you and help to get you back “right-side up”.
  • If your monthly payments in Hilo HI are too high for your budget we can find a way to get you lower payments.


Call Today to speak to one of our Mortgage Consultants for Mortgage Rates in Hilo HI! (808) 534-1945


  • Loans for 5+ Unit Buildings in Hilo HI at 75% LTV to $10,000,000
  • Commercial Properties in Hilo HI
  • Construction Loans in Hilo HI
  • Other non-residential loans are available in Hilo HI


Call Today to speak to one of our Mortgage Consultants for Mortgage Rates in Hilo HI! (808) 534-1945

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American Home Finance, Inc – Mortgage Rates in Hilo HI

. also can help with these special types of loans in Hilo HI:

  • Lava Zones II, III and IV Type Loans for Hilo HI
  • 3-4 unit building at 95% loan to value
  • New condos where the Association has not yet been turned over to the owners
  • 95% on a 7/1 and 5/1 ARM
  • Programs that avoid PMI for 95% loan to values
  • Long term locks for New Construction with an up front fee that is returned at closing.
  • Cash out at 90% to pay off a divorced spouse
  • Bankruptcy discharge of less than 2 years
  • Rehab project on a 1-4 unit building
  • Non-owner occupied condo jumbos
  • 2nd home and co-ops
  • 80% loan to value on up to $1,000,000
  • No Income or No Ratio loans for non-owner occupied
  • Lot loans and construction-end loans with only one closing
  • Resident aliens with less than 2 years residency
  • Less than two years of self-employment
  • Equity loans to 100%
  • Apartment Building Loans at 80% loan to value on some programs.
  • No Cost Loans at rates just above the daily rates being quoted.
  • Condo Hotels

For more information about specialized loans to meet your individual needs in Hilo HI, call and talk to a Loan Officer at 808-534-1945.

We look forward to serving you!

Questions about what loan type will fit your needs in Hilo HI or looking for the Best Mortgage Rates in Hilo HI? Contact us today for a free quote!

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At American Home Finance we always offer the Lowest Mortgage Rates in Hilo HI on Home Loans and all your Mortgages and Finance needs! For the very Best Rates in Hawaii, please call us today!Mortgage Rates in Hilo HI