Business Details
26 Years
experience
Your Trusted Hawaii Mortgage Broker
Hawaiian Isle Mortgage has been serving Hawaii's home lending needs since 2000, bringing decades of banking expertise to every transaction. Our founder, Scott Brewer, combines 41 years of local financial experience with a commitment to personalized service throughout the entire home buying process. We specialize in delivering competitive mortgage rates while maintaining accessibility and professionalism for both first-time buyers and experienced homeowners. Our team's deep understanding of Hawaii's unique real estate market enables us to provide tailored financing solutions that meet diverse client needs. With a background that includes executive roles at major financial institutions, we offer prudent recommendations grounded in extensive industry knowledge.Our dedication to community service and financial education further demonstrates our commitment to Hawaii's residents. We maintain transparent communication throughout the lending process, ensuring clients receive expert guidance from initial consultation to final closing. Our track record of success reflects our ability to compete effectively against all lenders while maintaining exceptional service standards. We provide comprehensive mortgage solutions including conventional, government, and specialty loan programs designed for Hawaii's specific market conditions.
Services
Conventional Mortgages
Government Mortgages
Jumbo Mortgages
Portfolio Loans
Non-Conforming Loans
First-Time Homebuyer Loans
Refinancing
Construction Loans
Details
- Year established: 2000
Highlights and features
- We offer 41 years of Hawaii-specific mortgage banking experience
- Our personalized service covers the entire home buying process
- We provide competitive rates across multiple loan programs
- Our team includes former bank executives with deep industry knowledge
- We maintain transparent communication throughout the lending process
Services
Conventional Mortgages
We offer 30 and 15-year fixed-rate conventional mortgages up to $822,325. These loans follow FNMA guidelines and provide stable, predictable payments for qualified borrowers. Our conventional mortgage program suits buyers seeking standard financing options with competitive rates.
Government Mortgages
Our government mortgage programs include FHA, VA, and other specialized loans with flexible qualification requirements. We offer 30 and 15-year fixed and adjustable rate options that help first-time buyers and veterans achieve homeownership with lower down payments and favorable terms.
Jumbo Mortgages
We provide jumbo mortgage solutions up to $4.0 million for premium properties. These loans cater to borrowers needing financing beyond conventional loan limits, with competitive rates and terms tailored for high-value real estate transactions in Hawaii's unique market.
Portfolio Loans
Our portfolio loan program offers adjustable-rate mortgages with fixed initial terms of 3, 5, 7, and 10 years. These flexible solutions work well for unique properties or borrowers who don't fit standard lending criteria while maintaining competitive pricing.
Non-Conforming Loans
We specialize in non-conforming loan solutions for unique situations that don't meet standard guidelines. This includes financing for specific condominiums, multiple property owners, and other complex scenarios requiring customized mortgage approaches.
People
Scott Brewer
President
Scott Brewer brings 41 years of Hawaii banking experience to Hawaiian Isle Mortgage. As President and Owner since 2000, he leverages his background as former Bank of America Vice President and financial analyst to provide expert mortgage guidance. His community involvement includes founding the North Shore Museum and teaching at the University of Hawaii.
Questions
What mortgage options are available through Hawaiian Isle Mortgage?
We offer conventional, government (FHA/VA), jumbo, portfolio, non-conforming, first-time homebuyer, refinancing, and construction loans with competitive rates tailored to Hawaii's market.
How can I get pre-approved for a mortgage?
Contact Scott Brewer directly for a free 15-minute consultation. We'll review your financial situation and provide a pre-qualification letter to strengthen your home purchase offer.
What documents are needed for mortgage pre-qualification?
We require two years of federal tax returns with W-2s, three months of bank statements, and one month of pay stubs. Self-employed applicants may need additional documentation.
Do you offer mortgage refinancing options?
Yes, we provide refinancing services to help homeowners save money. Contact us for a free analysis of your current mortgage to determine potential savings opportunities.
What makes Hawaiian Isle Mortgage different from other lenders?
With 41 years of Hawaii banking experience, we combine personalized service, competitive rates, and deep market knowledge to provide tailored mortgage solutions that meet each client's unique needs.
