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Welcome to Veterans United Home Loans in Hawaii

Get a loan for $0 DOWN using the VA Benefit earned through your military service.

Get Started Online or call (808) 677-5626
Proud to serve veterans in my hometown

Rylan Maddox

Production Manager

NMLS #973196

Serving All Hawaiian Islands

Events and Seminars

VA Loan Seminar (Waipio)

Aug 24

6:00 - 8:00 p.m.

VA Loan Seminar (Waipio)

Sep 12

6:00 - 8:00 p.m.

VA Loan Seminar (Waipio)

Sep 16

10 a.m. - 12 p.m. Noon

View all events »

Superior VA Loan Expertise

Our loan specialists are industry experts on VA mortgage eligibility and qualification guidelines.

Through extensive training and experience working with Veterans and military families, they get to know the VA home loan inside and out.

Meet our team »

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Come Visit Us!

Get In Touch

Contact your Hawaii area VA home loan specialist at
(808) 677-5626
-- or --

Send us an email!

To begin the loan process, complete a loan application over the phone or make an appointment to visit us. From here, your home loan specialist will determine which loan product works best for you and begin working toward your pre-approval status.

Military Advisors Connect us to the Community

This group of top retired senior enlisted leaders from each branch of our Armed Forces travels the nation to educate servicemen and women about the powerful VA home loan benefit.

By sharing their more than 100 combined years of expertise, our Military Advisors help us build a VA home loan process that better serves military homebuyers.

Meet our Military Advisors »

Our military advisors are paid employees of Veterans United Home Loans.

Veterans United Military Advisors

The Power of a VA Loan

Eligibility Comes With Exclusive Benefits

The VA home loan program has been opening the door to homeownership for eligible servicemembers and surviving military spouses since 1944. In addition to offering significant savings, the VA mortgage program was designed with the specific needs of military families in mind. That means eligible buyers don’t need perfect credit or a large down payment to qualify.

Read about the benefits of a VA Loan »

Monthly Savings

VA buyers benefit from competitive interest rates and no monthly PMI (private mortgage insurance) payments.

$0 Down Options

Depending on their eligibility, many VA homebuyers choose to purchase a home with no down payment.

First-Time Buyers

The military lifestyle can come with unique financial challenges. Luckily, the VA home loan’s credit and qualification guidelines are more flexible, making the VA mortgage a great option for first-time buyers. Learn more »

Use Your VA Home Loan Benefit

Use Your VA Home Loan Benefit

Assessing your eligibility is a great way to start taking advantage of the VA mortgage benefit you earned through military service. The experts at Veterans United can help connect you to the resources you need to obtain your Certificate of Eligibility. Call (808) 677-5626 to speak with a Veterans United specialist about eligibility and to see if you qualify.

Tell Me More about VA Loan Eligibility »

While exceptions and special circumstances exist, there are a few broad rules for VA loan eligibility:

  • You have served 90 consecutive days of active service during wartime, OR
  • You have served 181 days of active service during peacetime, OR
  • You have more than 6 years of service in the National Guard or Reserves, OR
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability.

Refinance with a VA Loan

Refinance with a VA Loan

The VA loan isn’t just for homebuyers: Eligible homeowners have several options for refinancing using the VA loan program. The VA Streamline Refinance (also known as an Interest Rate Reduction Refinance Loan, or IRRRL) allows qualified VA homeowners to reduce their interest rate. VA cash-out and rate/term refinances are popular options for homeowners looking to borrow cash on their home’s equity or obtain more favorable loan terms.

Is a VA Refinance right for you? »

There’s more than one way to refi.

Streamline Refinancing Cash-Out Refinancing

Eligible homeowners with an existing VA loan can use a VA streamline, or interest rate reduction refinance loan (IRRRL), to reduce their interest rate and save money each month. Learn more about the VA Streamline Refinance

VA cash-out refinances are available to eligible homeowners with an existing VA, conventional, USDA or FHA loan. With a cash-out refinance, you may be able to use the equity in your home to borrow cash for home improvement projects or to pay off debts. Read more about Cash-Out Refinancing

VA Interest Rates

VA Loan Rates

Interest rates fluctuate, and your interest rate ultimately depends on a variety of factors, including your credit scores. But as an eligible VA buyer, you’ll have access to interest rates that are consistently below the national average. Competitive interest rates are just one more way the VA home loan program can help you make the most of your purchasing power.

Learn More about VA Loan Rates »

Financial Readiness

Financial Readiness

At Veterans United, we understand the sacrifices made by our Veterans and military families. For some, those sacrifices leave financial marks that mean the end of the homebuying journey. For Veterans United customers, however, there are options. Our Lighthouse Program offers complimentary consulting to give VA homebuyers the tools and insight they need to pave a new financial path and achieve homeownership.

Connect with the resources you need »

Speak with a Home Loan Specialist today
- or visit us at -
94-539 Puahi St, Second Floor, Waipio, HI 96797
A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.