Whether you're buying your first home in Wailuku, refinancing near Haleakalā, or investing on the Valley Isle — we guide you through every step with clarity and care.
What We Do
Navigating your first home purchase on Maui? We'll walk you through every option — from FHA and VA loans to down payment assistance programs available to island residents.
Learn moreLower your rate, shorten your term, or tap into your home's equity. We'll analyze your current loan and show you exactly how refinancing could save you money on Maui.
Learn moreWhether it's a vacation rental near Kihei or a long-term hold in Makawao, we structure investment loans that maximize your returns on the Valley Isle.
Learn moreServing those who served. We understand the unique needs of military families stationed near Joint Base Maewae and working to call Maui home.
Learn moreMaui's luxury market requires specialized financing. We work with jumbo loans and non-qualified mortgage products for unique financial situations.
Learn moreBook a free 15-minute consultation. We'll listen to your goals and outline the path forward — no pressure, no obligation.
Schedule a Call
Local
We know Maui's market, neighborhoods, and what it takes to make your dream a reality.
About Us
Mortgage Choices has been a trusted name in Maui County mortgage lending for over two decades. Based in the heart of Wailuku, we've helped hundreds of families — from first-time buyers in Makawao to investors along the Kihei coast — find the right loan for their situation.
We believe a mortgage shouldn't feel like a puzzle. That's why we take the time to explain your options in plain language, compare rates across multiple lenders, and advocate for terms that truly work for you — not just a quick closing.
20+
Years in business
$200M+
Loans closed
A+
BBB rating
How It Works
We start with a conversation — your goals, your budget, your timeline. No hard questions, just a clear picture of where you stand.
We pull your numbers, shop rates across multiple lenders, and get you a pre-approval letter that makes your offer stand out.
While the lender reviews your file, we keep you in the loop — flagging any issues early so there are no surprises.
You sign, you get the keys, and you become part of the Maui community. We celebrate with you — and stay available if questions come up later.
Client Stories
"As first-time buyers on Maui, we had no idea where to start. Mortgage Choices walked us through every step and helped us find a rate we couldn't believe. We closed in under a month!"
M.K.
First-time buyer, Wailuku
"We refinanced our home in Kihei and saved over $300 a month. The team was patient, thorough, and never made us feel rushed. Highly recommend for anyone thinking about refinancing."
T.S.
Refinance, Kihei
"Being a veteran, I appreciated how much they knew about VA loans. They made what I thought would be a stressful process feel straightforward and even comfortable."
R.L.
VA loan, Kahului
Whether you're browsing or ready to apply, we're here. Reach out today for a no-pressure conversation about your options.
Get in Touch
Have questions about your options? Want to explore what you might qualify for? We'd love to hear from you. Fill out the form or reach out directly — we typically respond within one business day.
Office Address
270 Hookahi St
Wailuku, HI 96793-1466
Phone
(808) 244-5518We'll get back to you within one business day.
Thank you for reaching out. We'll be in touch within one business day.
Find Us
270 Hookahi St, Wailuku
