Maui Mortgage Team

Business Details

Your Trusted Maui Mortgage Broker for Home Loans & Refinancing

At Maui Mortgage Team, we pride ourselves on delivering exceptional mortgage solutions tailored to meet the unique needs of our clients. With over 19 years of industry expertise, our team specializes in a comprehensive range of loan programs, including home purchases, refinancing, jumbo loans, VA and FHA loans, construction financing, and reverse mortgages. We are committed to transparency, ensuring no hidden fees or surprises throughout the process.

Our dedication to client satisfaction extends beyond transactions, focusing on long-term relationships and personalized mortgage planning. Recognized nationally and locally for excellence, we actively support community initiatives and strive to make homeownership in paradise accessible and financially rewarding for every client.

Services

Home Purchase Loans Refinancing Services Jumbo Loans VA/FHA Loans Construction Loans Reverse Mortgages Commercial Mortgages Mortgages for Canadians

Highlights and features

We offer 19 years of mortgage industry expertise with personalized service
Our team shops multiple lenders to secure the best mortgage rates available
We guarantee transparent pricing with absolutely no hidden fees
Specialized loan programs for unique situations including self-employed buyers
Recognized industry excellence through national and local awards

Associations and certifications

NMLS

Website

Update Listing

Services

Home Purchase Loans

We specialize in home purchase financing with competitive rates and flexible terms. Our loan programs include conventional, jumbo, VA, and FHA options tailored to first-time buyers, investors, and self-employed individuals. With access to multiple lenders, we ensure optimal mortgage solutions for Maui properties.

Refinancing Services

Our refinancing solutions help homeowners lower payments, access equity, or switch loan types. We offer rate-and-term refinancing, cash-out options, and specialized programs like RefiNow. Our team analyzes your situation to determine if refinancing aligns with your financial goals.

Construction Loans

We provide specialized financing for custom home construction on Maui. Our construction loans feature flexible draw schedules and transition seamlessly to permanent mortgages upon completion. Ideal for clients building their dream home or investment property from the ground up.

Reverse Mortgages

Our reverse mortgage solutions help Maui homeowners aged 62+ access home equity without monthly payments. We offer FHA-insured HECM loans with multiple disbursement options, ensuring financial flexibility while maintaining property ownership.

Commercial Mortgages

We offer tailored financing for commercial properties across Maui. Our programs support purchases, refinancing, and business property investments with competitive terms for qualified applicants seeking to expand their real estate portfolio.

People

Ginni Madsen

Loan Originator

With 19 years of mortgage expertise, Ginni Madsen leads the Maui Mortgage Team. Recognized nationally by Mortgage Professional America and locally as Maui's Young Business Person of the Year, she combines industry knowledge with community commitment to deliver exceptional service.

Questions

What loan programs do you offer for first-time homebuyers?

We offer FHA loans with low down payments, conventional loans with flexible requirements, and specialized programs for first-time buyers seeking Maui properties.

Can I refinance if I have bad credit?

Our team evaluates each situation individually. We work with multiple lenders to find refinancing options that accommodate various credit scenarios while ensuring responsible lending practices.

How does your mortgage process work?

Our three-step process includes pre-qualification, mortgage package design, and final approval. We guide clients through documentation, lender selection, and closing with transparent communication at every stage.

Do you offer mortgages for vacation homes?

Yes, we specialize in financing for second homes and investment properties across Maui, including condotels and vacation rental properties with tailored loan programs.

Are there any hidden fees?

We guarantee complete transparency with no hidden fees or surprises. All costs are clearly disclosed upfront during the pre-qualification process.

Reviews (4)

Write a Review

Sophie D.

Sep 09, 2019 Report

This was our second time working with Ginni and our experience has always been exceptional. Ginni is very professional and always available throughout the entire process. She always goes above and beyond to answer any of ourquestions. I can say with confidence that Ginni is the only Mortgage Loan Originator we feel confident working with for our real estate transaction. We are so impressed by her expertise, dedication and credibility and we highly recommend working with Ginni.

Seth Gordon

Jun 06, 2019 Report

I worked with Ginni on a complicated investment home purchase in Kauai, which she was able to keep things moving to a timely close despite some last minute inquiries from the underwriting department. I look forward to doing my next loan with Ginni!

Adrienne L.

Aug 22, 2014 Report

The Maui mortgage team is hands down the best mortgage provider on Maui. They help all our Maui clients get pre approved and we feel confident when working with them. They are easy to get a hold of and explain everything in easy to understand terms. If you are purchasing a home or refinancing you need to call the Maui Mortgage Team. They will exceed your expectations for service and offer the best rates on island!

Jaime D.

Aug 02, 2014 Report

Ginni at the Maui Mortgage Team, thank you for guiding us through the home loan process! We arent ready to purchase quite yet, but we needed to know how much home we could afford before going real estate searching.
Ginni helped us learn the process effortlessly and she had the best mortgage rates and terms! The Maui Mortgage Team has our highest recommendation for anyone looking to buy a home or refinance on Maui!