Kaneohe Mortgage Lender

As an independent mortgage broker licensed in Hawaii, Bayview Residential Brokerage helps Kaneohe buyers and homeowners shop the whole market instead of a single bank's rate sheet. Set against the Koolau mountains on Oahu's windward side, Kaneohe is a lush, family-oriented community with a strong military presence. We match each borrower with the lender and program that fits, then handle the loan from pre-approval to closing.

Below is a plain-English guide to buying or refinancing in Kaneohe in 2026: the market, Oahu loan limits, the programs available, down payment assistance, and the fee simple versus leasehold question unique to Hawaii.

The Kaneohe housing market in 2026

Kaneohe is a steady windward market. As of 2026 the median Kaneohe home price is around $765,000, essentially flat and down slightly year over year, keeping more homes within conforming and even FHA range than the pricier parts of Oahu. Its scenery, bay access and Marine Corps community keep demand consistent.

Most Kaneohe homes fall within the conforming limit, so buyers here rarely need jumbo financing. Being matched with the right lender keeps your payment competitive, which is where a broker helps.

Loan programs for Kaneohe buyers

Conventional loans. The default for buyers with solid credit, with as little as 3% down for qualified first-time buyers, and conforming limits up to $1,249,125 in Hawaii.

FHA loans. A lower 3.5% down payment and flexible qualifying. The 2026 FHA limit in Honolulu County is $828,000 for a single-family home.

VA loans. Kaneohe is home to Marine Corps Base Hawaii at Kaneohe Bay, so VA loans are especially important here for eligible service members and veterans. Zero down payment and no monthly mortgage insurance for those who qualify.

Jumbo loans. Financing above the conforming limit for higher-priced homes. In Kaneohe jumbo is uncommon, applying mainly to larger view homes above $1,249,125.

Reverse mortgages. For homeowners 62 and older who want to convert equity into cash without a monthly mortgage payment.

Fee simple vs. leasehold in Hawaii

One thing that makes Hawaii different from the mainland is land ownership. Some homes and many condos are sold leasehold rather than fee simple, meaning you own the building but lease the land underneath for a set term. That affects financing, resale and long-term cost. We help Kaneohe buyers understand whether a property is fee simple or leasehold and how it changes the loan before you commit.

Down payment assistance for Kaneohe buyers

Hawaii buyers can access help through the Hawaii Housing Finance and Development Corporation (HHFDC), including its Mortgage Credit Certificate program, which provides a federal tax credit on part of the mortgage interest you pay, along with down payment loan programs run by the counties, such as the City and County of Honolulu Down Payment Loan Program. Eligibility depends on income and the purchase price. We help Kaneohe buyers find and coordinate the right program with the loan.

Property taxes in Hawaii

One bright spot for Hawaii buyers is property taxes. Hawaii has among the lowest effective property tax rates in the country, which helps offset the state's higher home prices and keeps the tax portion of your monthly payment relatively low. When we prepare your pre-approval, we include realistic tax and insurance estimates so your monthly number is the real one.

Buying across Kaneohe

Kaneohe town and Lilipuna offer bayside living, Haiku Village and Kaneohe Bay area provide established family neighborhoods, and areas up the valleys offer more space. We match the loan to the neighborhood, property type and land tenure.

How the process works with Bayview

1. Pre-approval. We review your income, credit and goals, then issue a pre-approval so you can shop with confidence and make strong offers.

2. Shop and compare. Once you are under contract, we shop your loan across our lender network and bring back the most competitive fit on rate and fees.

3. Underwriting. We manage document collection and work the file through underwriting, keeping you and your agent updated.

4. Closing. Most purchases close in about 30 to 45 days from contract. You sign, fund and get the keys.

Refinancing your Kaneohe home

Already own in Kaneohe? Refinancing can lower your rate or payment, shorten your term, or let you tap equity through a cash-out refinance. Given how much Hawaii home values have risen over the years, many local homeowners have significant usable equity. We run the numbers both ways and only recommend a refinance if it actually moves you forward.

Kaneohe mortgage FAQs

What is the 2026 conforming loan limit in Kaneohe?

Kaneohe is in Honolulu County, so the 2026 conforming limit is $1,249,125 for a single-family home. Most Kaneohe homes fall within it.

Do you offer VA loans in Kaneohe?

Yes. With Marine Corps Base Hawaii at Kaneohe Bay, VA loans are common here, and we offer zero-down VA financing for eligible borrowers.

Why is the FHA limit lower than conforming on Oahu?

On Oahu the 2026 FHA limit is $828,000, below the $1,249,125 conforming limit, so a conventional loan often reaches further for higher-priced homes.

What down payment assistance is available in Kaneohe?

Hawaii's HHFDC programs and county down payment loan programs can help qualified buyers.

Are property taxes high in Kaneohe?

No. Hawaii has among the lowest effective property tax rates in the country.

How long does it take to close in Kaneohe?

Most purchases close in about 30 to 45 days once you are under contract.

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Nearby communities we serve

Kailua  ·  Honolulu  ·  East Honolulu  ·  Pearl City
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Plan your numbers

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