# Mortgages in Hawaii

> Mortgages in Hawaii is a mortgage lending service operated by Zenon Issel (NMLS #2647721), a licensed Mortgage Loan Originator based on the Big Island of Hawaii. Serving homebuyers across Hawaii and California with conventional, FHA, VA, jumbo, and USDA loans.

## About

- Loan Officer: Zenon Issel, NMLS #2647721
- Company: Barrett Financial Group, LLC, NMLS #181106
- Location: 74-4982 Mamalahoa Hwy, Holualoa, HI 96725
- Phone: 808.443.7386
- Email: Zenon@MortgagesInHawaii.com
- Areas Served: Hawaii (all islands), California
- Google Rating: 5.0/5.0
- Website: https://mortgagesinhawaii.com

## Pages

- [Home](https://mortgagesinhawaii.com/): Overview of services, SMART START™ system, and client testimonials
- [VA Loans in Hawaii](https://mortgagesinhawaii.com/va-loans-hawaii/): VA loan benefits, BAH rates, military installation guide, 2026 limits
- [FHA Loans in Hawaii](https://mortgagesinhawaii.com/fha-loans-hawaii/): FHA loan requirements, 2026 limits by county, FHA vs conventional comparison
- [Conventional Loans](https://mortgagesinhawaii.com/conventional-loans/): Conforming loan limits, PMI rules, requirements, loan type comparison
- [First-Time Homebuyer Programs](https://mortgagesinhawaii.com/first-time-homebuyer-hawaii/): State programs (Hale Kama'aina, Hula Mae), county grants, nonprofit assistance
- [Hawaii Home Buying Guide](https://mortgagesinhawaii.com/hawaii-home-buying-guide/): Island-by-island pricing, financing options, costs, leasehold vs fee simple, buying process
- [Big Island Home Buying Guide](https://mortgagesinhawaii.com/big-island-home-buying-guide/): Step-by-step guide to buying on the Big Island, neighborhoods, lava zones, water catchment, USDA eligibility
- [Application Process](https://mortgagesinhawaii.com/application-process/): SMART START™ 5-step mortgage process, SMARTCERT™ pre-underwriting
- [Mortgage Calculator](https://mortgagesinhawaii.com/mortgage-calculator/): Monthly payment estimator with Hawaii-specific defaults
- [Resource Center](https://mortgagesinhawaii.com/resource-center/): Articles and guides for Hawaii homebuyers
- [For Real Estate Agents](https://mortgagesinhawaii.com/partners/): LENDFUEL™ agent partnership program, FASTRACK60™ processing

## Key Facts

- 2026 Conforming Loan Limits: $1,249,125 (most Hawaii counties), $1,299,500 (Maui)
- 2026 FHA Ceiling (Hawaii special exception): $1,873,675
- VA Loans: No loan limit for full-entitlement borrowers, $0 down payment
- Big Island Median Home Price: ~$585,000 (most affordable Hawaii island)
- Oahu Median Home Price: ~$1,075,000
- Hawaii BAH Range: $2,598-$5,040/month (2026)
- Hawaii Property Tax Rate: ~0.27% effective (among lowest in US)
- SMART START™: Proprietary pre-underwriting system with SMARTCERT™ approval and FASTRACK60™ processing

## Optional

- [Full LLM Context](https://mortgagesinhawaii.com/llms-full.txt): Comprehensive information for detailed AI responses