Business Details
Your Trusted Maui Mortgage Broker for Home Loans & Refinancing
The Maui Mortgage Team has been dedicated to helping clients achieve homeownership and financial success since our founding. With over 19 years of combined experience in mortgage origination, we specialize in providing tailored financing solutions for primary residences, vacation homes, and investment properties across Maui. Our team works as a trusted partner, leveraging relationships with Hawaii's top lenders to secure competitive rates and personalized service.We prioritize transparency, with no hidden fees or surprises, and guide clients through every step of the mortgage process. Our expertise spans conventional loans, FHA/VA programs, jumbo financing, and specialized options for self-employed individuals and international buyers. Recognized for community leadership and industry excellence, we remain committed to supporting local causes while delivering exceptional client experiences.
Services
Mortgage Brokerage
Refinancing Services
First-Time Buyer Programs
Investment Property Loans
Jumbo Loan Programs
VA/FHA Loans
Commercial Mortgages
Construction Financing
Reverse Mortgages
Mortgages for Canadians
Highlights and features
- We offer 19 years of mortgage industry expertise with personalized service
- Our team shops multiple lenders to find your best financing deal
- Specialized programs for first-time buyers, investors, and self-employed clients
- Transparent process with no hidden fees or surprises
- Recognized community leaders with national industry awards
Associations and certifications
- NMLS
Services
Mortgage Brokerage
Maui Mortgage Team provides comprehensive mortgage brokerage services connecting borrowers with competitive loan products. Our expert brokers analyze multiple lender options to secure optimal terms for home purchases, refinancing, and investment properties. With access to hundreds of mortgage programs, we deliver personalized solutions for conventional loans, government-backed programs, and specialized financing needs.
Refinancing Services
Our refinancing specialists help homeowners reduce monthly payments, access equity, or change loan terms. We offer conventional refinancing, cash-out options, and specialized programs like RefiNow. The team evaluates current mortgage terms against market conditions to identify savings opportunities while maintaining loan affordability and long-term financial goals.
Investment Property Loans
Tailored financing solutions for real estate investors purchasing vacation rentals or long-term rental properties. We offer competitive rates for conventional investment loans, condo-tel financing, and commercial mortgages. Our specialists understand unique investor needs including portfolio management, cash flow optimization, and multi-property financing strategies for Maui's vacation rental market.
First-Time Buyer Programs
Specialized mortgage programs designed for first-time homebuyers with low down payment options. We offer FHA loans, down payment assistance programs, and educational resources to guide new buyers through the purchase process. Our team helps clients understand credit requirements, pre-qualification steps, and available financial incentives for qualifying Maui properties.
Construction Financing
Custom construction loan programs for building custom homes on Maui. Our process includes land acquisition financing, construction phase funding, and permanent mortgage conversion. We work with local builders and contractors to provide flexible terms for residential development projects, ensuring seamless transition from construction to long-term financing upon project completion.
People
Ginni Madsen
Loan Originator
With 19 years of mortgage industry experience, Ginni Madsen specializes in Maui home financing solutions. Recognized nationally by Mortgage Professional America, she provides expert guidance for local and international clients while supporting Maui community initiatives through active philanthropy.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with low down payments, down payment assistance programs, and specialized financing options. Our team provides personalized guidance to help first-time buyers understand eligibility requirements and select the best program for their financial situation.
Can I refinance my existing mortgage to get a better rate?
Yes, we help homeowners evaluate refinancing opportunities to reduce monthly payments, access equity, or change loan terms. Our process includes analyzing current market rates against your existing mortgage to determine potential savings.
Do you offer mortgage services for investment properties?
We provide financing solutions for vacation rentals and investment properties including conventional loans, condo-tel financing, and commercial mortgages. Our specialists help investors optimize financing strategies for Maui's rental market.
What documentation is needed to apply for a mortgage?
Basic requirements include proof of income, asset statements, credit history, and property details. Our online checklist provides specific documentation requirements tailored to your loan type and financial situation.
How does your mortgage brokerage service work?
We act as your mortgage broker, shopping multiple lenders to find competitive rates and terms. Our process includes pre-qualification, loan package design, and final approval from Hawaii's top banks while maintaining transparent communication throughout.
