Hawaii Jumbo Refinance & Cash-Out
Refinance expertise for Oahu and neighbor islands including VA IRRRL, cash-out refinance, condotel and non-warrantable condo scenarios.
Get Quote Book a CallNMLS #337891 · CA DRE #01727126 · Loan Factory, Inc. NMLS #320841
Check Hawaii jumbo rates
Real-time rate comparisons updated daily. Enter your scenario to see current wholesale pricing for Hawaii refinance loans.
What counts as a jumbo loan in Hawaii?
A one-unit mortgage in Hawaii is jumbo when the new loan amount is above the FHFA conforming limit for that county. For mortgages Fannie Mae and Freddie Mac acquire in 2026, that one-unit limit is $1,249,125 in Hawaii County, Honolulu County, and Kauai County, and $1,299,500 in Maui County and Kalawao County. Two- to four-unit limits are higher. See the full 2026 Hawaii and California table (source: the FHFA conforming loan limit files). A jumbo cash-out refinance uses the same county test.
Who we help
- Rate-and-term refinance on higher-value homes
- Cash-out refinance
- VA IRRRL and VA cash-out for active duty, veterans and eligible family members
- Condotel and non-warrantable condo owners
- Leasehold and other Hawaii land-tenure situations
What we look at
Hawaii's unique property types, land tenure structures, and geographic factors create refinancing complexity that mainland lenders often mishandle. We shop wholesale lenders with Hawaii experience and appetite for your specific property.
The conforming loan limit for your county is published each year by the FHFA: FHFA conforming loan limits.
Typical documents
Recent pay stubs and W-2s or tax returns, bank and asset statements, photo ID, proof of any other income, and information about your debts. For self-employed borrowers or those with RSU income, additional documentation may be required.
Timeline
Many refinances close in 21–30 days; complex scenarios may take 30–45 days.
Hawaii jumbo refi FAQ
What is the 2026 conforming loan limit in Honolulu?
For a one-unit property in Honolulu County, the FHFA 2026 conforming limit is $1,249,125. Hawaii County and Kauai County use that same one-unit limit. Maui County and Kalawao County are $1,299,500. A loan above the limit for the county and the number of units is jumbo. See the 1- to 4-unit table.
Do you work on neighbor islands?
Yes. John serves Oahu and the neighbor islands.
Can I refinance a condotel or non-warrantable condo?
Often, through portfolio lenders. Eligibility depends on the project and lender; we review your specific property.
Should I refinance?
Refinancing isn't always the right move—it depends on your goals, timeline, and current loan structure. We analyze your break-even point, closing costs, and long-term savings to ensure refinancing delivers real value. If it doesn't make sense, we'll tell you.
Related: jumbo cash-out refinance · 2026 loan limits · jumbo refinance overview · California.