With the right resources and the right real estate professional on your side, you can buy the home of your dreams in Maui. Explore financing options available in Maui using these mortgage resources, or contact Patrick Franta at (808) 280-7728 to discuss your home buying goals.
Choose Your Desired Loan
Before you start your Maui property search, determine your budget for monthly mortgage premiums. Once you know how much you can afford, choose a mortgage that matches your goals. Learn about popular loan options in Maui below.

Fixed-Rate Loan
Interest Rates: Fixed
Conforming Loan Limit: $679,650 in Hawaii; contact lender to learn about limits for high-cost areas

Adjustable-Rate Loan
Interest Rates: Variable (terms include 3/1, 5/1, 7/1, and 10/1)
Conforming Loan Limit: $679,650 in Hawaii; contact lender to learn about limits for high-cost areas

Jumbo Mortgage
Interest Rates: Fixed or variable
Loan Limit: $2 million
Restrictions: For financing home purchases over $679,650

Vacant Lot Loan
Interest Rates: Fixed interest-only payment
Loan Limit: $1 million
Restrictions: Balloon mortgage for financing purchase of land; interest-only payment for three years

USDA/Rural Loan
Interest Rates: Fixed
Loan Limit: Depends on borrower's ability to repay
Restrictions: Borrowers must meet income guidelines and purchase a home in an eligible rural area — visit the USDA website to learn more

HUD Grants
Maui County's Department of Housing & Human Concerns offers the following HUD homeownership assistance programs:
- Downpayment Program
- First Time Homebuyers Assistance Program
- HOME Investment Partnership Program
- Housing Rehabilitation Program
Select a Mortgage Broker
A reputable lender will help you choose the right loan based on your finances. If you are planning to purchase a vacation condo and rent it out, partner with a local lender, since many outside lenders cannot finance a purchase like this.
Learn about reputable Maui mortgage brokers below or contact Patrick Franta for an expanded list of reputable lenders.
Recommended Maui Lenders
- Brady Spangler (Axia Home Loans) — (808) 757-9335
- Elite Lending — (808) 891-2005
- First Hawaiian Bank
- American Savings Bank Hawaii
Start the Loan Prequalification Process
The best way to find out how much you can afford is to talk with a lender about your credit and financial history. Patrick Franta can help you start the process and take the next step to finding the home of your dreams in Maui.
Talk to the Maui Real Estate Expert
A permanent resident of Maui, Patrick Franta knows this island (and its real estate market) like the back of his hand. If you're ready to buy a home or condo, talk to Patrick — he'll provide you with all the information you need.