Business Details
28 Years
experience
Your Trusted Mortgage Partner in Honolulu, HI
Established in 1998, Myers Capital Hawaii is a family-owned mortgage brokerage and direct private lender serving homeowners, real estate investors, and agents across Hawaii and the mainland. Our approach combines competitive interest rates, often 0.25% to 0.5% lower than traditional institutions, with personalized guidance to align financing solutions with clients' financial goals. As seasoned professionals with over 25 years of experience, we specialize in residential and commercial mortgage programs, including DSCR loans, bridge financing, and construction loans, while prioritizing transparency and live pricing.Our team's expertise extends to VA, FHA, and USDA loans, as well as innovative options like condotel financing and portfolio loans. We distinguish ourselves through a consultative model that educates clients on qualification criteria, rate determinations, and strategic mortgage planning. With a BBB A+ rating and a focus on relationship-driven service, we ensure direct communication, expedited approvals, and tailored support for first-time buyers, seasoned investors, and everyone in between.
Services
Mortgage Loans
Refinance
Home Equity Loans
VA Loans
DSCR Loans
Bridge Loans
Condotel Financing
Commercial Loans
Construction Loans
Portfolio Loans
Details
- Year established: 1998
Highlights and features
- We offer mortgage rates 0.25% to 0.5% lower than traditional lenders.
- Our team provides full transparency on rate and cost determinations.
- We ensure live, direct communication with no voicemail for client calls.
- Our mortgage planning aligns with clients' short- and long-term financial goals.
- We have 25+ years of experience serving Hawaii and mainland real estate markets.
Associations and certifications
- Better Business Bureau
What people say
Smoothly and expeditiously
Professional and knowledgeable
Miracle workers
Least amount of confusion
Consistent cash flow
Services
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans evaluate property income instead of personal income for qualification. These long-term solutions enable investors to leverage rental revenue for financing, supporting portfolio growth through stabilized income-producing properties. Ideal for buy-and-hold strategies, DSCR loans simplify approval by focusing on asset performance rather than borrower tax returns.
Bridge Loans
Short-term bridge loans provide rapid capital for time-sensitive real estate opportunities. Designed for investors needing immediate funding, these loans facilitate quick purchases, repositioning, or equity tapping with streamlined underwriting. Terms range from 6 to 36 months, offering flexibility for fix-and-flip projects or interim financing before permanent loans.
Condotel Financing
Specialized condotel financing enables purchase or refinance of condominium hotel units in Hawaii. These programs accommodate short-term rentals without owner-occupancy requirements, allowing investors to generate year-round income through hotel pools and vacation rental markets while maintaining property title control.
Home Equity Loans
Fixed-rate home equity loans provide lump-sum financing using existing home equity. These products allow homeowners to fund renovations, debt consolidation, or emergency expenses with predictable monthly payments. Borrowers retain property ownership while accessing capital for financial improvements or investment opportunities.
Commercial Loans
Commercial real estate financing covers office buildings, retail spaces, and multifamily properties. Tailored solutions include discounted payoffs, mezzanine financing, and preferred equity structures to address balloon payments or equity gaps. Our expertise spans construction, bridge funding, and long-term commercial debt solutions for income-producing assets.
People
Reed Myers
Founder
With over 25 years in Hawaii's mortgage industry, Reed Myers leads as founder of Myers Capital Hawaii. His expertise in residential and commercial financing drives the company's strategic vision for personalized lending solutions.
Steve Barnes
Mortgage Advisor
Steve Barnes delivers tailored mortgage guidance to homeowners and investors. His client-focused approach ensures transparent communication and efficient loan processing for purchase and refinance transactions.
Jeremiah Blake
Loan Officer
Jeremiah Blake specializes in VA and investment property loans. He provides step-by-step support to clients, ensuring clear explanations and timely approvals for diverse financing needs.
Kendall Naya
Mortgage Agent
Kendall Naya offers 24/7 support for mortgage inquiries, earning client recognition for responsiveness and patience during complex refinancing processes. His dedication ensures seamless transaction experiences.
Sharlene Aoki
Loan Processor
Sharlene Aoki streamlines loan processing with efficiency and attention to detail. Her work ensures rapid turnaround times while maintaining compliance with lending regulations and client expectations.
Questions
What loan programs do you offer for real estate investors?
We provide DSCR loans, bridge financing, fix-and-flip loans, and portfolio loans tailored to investment properties. Our programs support both short-term and long-term strategies.
Can I refinance my existing mortgage with Myers Capital?
Yes, we offer competitive refinance options including rate-and-term and cash-out refinancing to help reduce payments or access home equity.
Do you offer VA loans for veterans?
Yes, we specialize in VA loans with low/no down payment options, competitive rates, and no monthly mortgage insurance requirements.
What areas do you serve?
We operate in Hawaii and 44 mainland states, focusing on the Southeast, Sunbelt, and Mid-Atlantic regions for residential and commercial financing.
How quickly can you approve a loan?
Bridge loan approvals occur within 24 hours, with expedited processing for time-sensitive real estate opportunities and investor transactions.
Are there options for first-time homebuyers?
We offer conventional, FHA, and USDA loans with down payments as low as 3%, along with educational resources for first-time purchase programs.
