Business Details
Your Trusted Mortgage Partner in Lahaina, Maui
First Hawaiian Mortgage has been serving Maui and Hawaii's mortgage needs for over 40 years, establishing itself as a trusted correspondent lender with deep local expertise. Our team, led by Branch Manager Fran Mitsumura, brings decades of combined experience in navigating Hawaii's unique real estate landscape, including specialized financing for condo-hotels, land, construction projects, and leasehold properties. We maintain strong partnerships with portfolio lenders to offer tailored loan solutions, including FHA, VA, USDA, and Home Equity Lines of Credit. Recognized as Realtors Choice 'Affiliate of the Year,' we prioritize a collaborative team approach where clients receive consistent support from any team member.Fran's 40+ years of direct lending experience in Maui, including closing over 5,000 loans, ensures clients receive straightforward, no-nonsense guidance. Our commitment extends beyond transactionswe actively support Maui's non-profit organizations and community initiatives. Despite recent challenges from the Lahaina fire, we continue operations with a focus on email communication to better serve clients during this recovery period. Our alignment with HighTechLending provides access to advanced mortgage technology while maintaining personalized service. Whether assisting first-time buyers, seasoned investors, or foreign borrowers, we deliver customized mortgage solutions rooted in local market knowledge.
Services
FHA Loans
VA Loans
USDA Loans
Condo-Hotels Financing
Land Loans
Construction Loans
Leasehold Mortgages
1031 Exchange Loans
Corporate Vesting Loans
HELOCs
Highlights and features
- 40+ years of Hawaii mortgage lending expertise
- Specialized knowledge of Maui's unique real estate market
- Award-winning team approach with consistent client support
- Comprehensive loan products for all property types
- Deep community involvement and local non-profit support
Services
FHA Loans
Federal Housing Administration loans provide low-down payment options for qualified borrowers. Our team specializes in FHA loan requirements and underwriting processes. We help clients navigate FHA appraisal standards and eligibility criteria while leveraging our local market expertise to secure approvals for properties others might decline.
VA Loans
Veterans Affairs home loans offer competitive rates and zero down payment options for eligible service members. We process VA loans with specialized knowledge of military relocation benefits. Our team assists clients through VA appraisal requirements and entitlement verification while maintaining strict compliance with VA lending guidelines.
USDA Loans
United States Department of Agriculture loans provide zero-down financing for qualified rural property purchases. We maintain updated knowledge of USDA eligibility maps and income limits. Our specialists guide clients through property eligibility determinations and help meet USDA credit requirements for approved financing.
Condo-Hotels Financing
Specialized mortgage solutions for Hawaii's unique condo-hotel units requiring non-warrantable financing. We work directly with resort management companies to verify rental projections. Our team structures loans considering both personal use and investment potential while meeting investor guidelines for non-traditional condominiums.
Construction Loans
Financing options for custom home construction and major renovation projects. We coordinate with local builders and contractors to verify project timelines. Our process includes budget reviews, draw schedules, and permanent financing transition plans while maintaining compliance with construction loan regulations.
People
Frances Peart Mitsumura
Branch Manager/Mortgage Loan Officer
NMLS #280142 with 40+ years of Maui mortgage experience, closing 5,000+ loans. Recognized as Realtors Choice 'Affiliate of the Year' and Maui Small Business award finalist. Community-focused lender supporting local non-profits.
Teri Ann Elliot
Mortgage Loan Officer/Processing Manager
NMLS #326567 with specialized expertise in mortgage processing systems. Provides technical loan processing oversight while maintaining client communication throughout the mortgage lifecycle.
Rowena Baraoidan
Mortgage Loan Officer/Closing Manager
NMLS #325247 responsible for ensuring smooth loan closings. Coordinates documentation requirements and compliance standards while maintaining efficient transaction timelines for clients.
Questions
What mortgage products does First Hawaiian Mortgage offer?
We offer FHA, VA, USDA loans, condo-hotels financing, land loans, construction loans, leasehold mortgages, 1031 exchange loans, corporate vesting loans, and HELOCs.
Do you specialize in Hawaii's unique property types?
Yes, we specialize in Hawaii-specific financing including condo-hotels, leasehold properties, and land loans that other lenders often avoid.
What makes your team different from other mortgage lenders?
Our team has worked together for over 20 years with specialized knowledge of Maui's real estate market and a collaborative approach to client service.
Are you accepting new clients after the Lahaina fire?
Yes, we're operational and actively helping clients despite our office destruction. We're prioritizing email communication for faster service.
Do you work with first-time homebuyers?
Yes, we assist first-time buyers through all loan programs and provide straightforward guidance tailored to their specific needs.
