LoansByEmmett
Kahului Maui

Maui Home & Investment Loans

Maui is several markets in one island: affordable Central Maui where working families buy in Kahului and Wailuku, South Maui's Kihei where mainland buyers find second homes, and the luxury resort corridor of Wailea and Makena where jumbo financing rules. It's also a community rebuilding after the 2023 Lahaina wildfire, and a market navigating major changes to its vacation-rental rules, both of which make local, honest guidance more valuable than ever. Whatever you're buying on Maui, I finance it and shop 240+ wholesale lenders, and I'll tell you straight what the current rules mean for your plans. NMLS #233747.

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Maui at a Glance

Kahului & Wailuku

Central Maui • the island's most affordable hub for working families

Kihei

South Maui • ~$1M median • second-home and investment midpoint

Wailea & Makena

Luxury resort corridor • $900K–$5M+ • jumbo

Conforming Limit

$1,299,500 (Maui County) • the highest in Hawaii • VA no limit with full entitlement

Current Dynamics

Lahaina rebuilding • Bill 9 phasing out apartment-zoned short-term rentals (West Maui 2029, countywide 2031)

High-Cost County

Maui County high-cost limits • FHA limit $1,299,500 (pulled live from the loan-limits module)

Maui County conforming limit: $1,299,500 • FHA limit: $1,299,500

Today’s Purchase Mortgage Rates

Live pricing from the same daily rate feed shown on our Today’s Rates page. These update automatically each day.

Conventional 30-Year Fixed

Conventional – Primary Residence

6.25%
Interest Rate
6.28%
APR

FHA 30-Year Fixed

FHA – Primary Residence

5.75%
Interest Rate
6.311%
APR

VA 30-Year Fixed

VA – Primary Residence

5.75%
Interest Rate
5.882%
APR
Rates as of

Rate Assumptions

Purchase, 30-yr fixed, $300K Loan, $400K Value, Credit 759

APR & Disclosures

The Annual Percentage Rate (APR) shown reflects the cost of credit over the loan term, including applicable fees, and is based on the assumptions above. Your actual rate and APR depend on your credit profile, loan amount, property, occupancy, and other factors. For information purposes only and does not constitute a loan approval or commitment to lend. Rates are subject to change without notice.

Get My Custom Rate See All Today’s Rates

Monthly Payment Calculator

Calculate your estimated monthly mortgage payment including taxes and insurance

%
$70,000
%
Estimated Monthly Payment
$2,563
Principal & Interest$1,863
Property Tax (est.)$350
Home Insurance (est.)$350
Loan Amount$280,000

Kahului & Wailuku — Central Maui, Where Working Families Buy (conventional & jumbo)

Central Maui, anchored by Kahului (the island's commercial and airport hub) and the county seat of Wailuku, is where your dollar goes furthest on Maui. It's the island's primary market for local working families, teachers, healthcare workers, county employees, and the tourism and retail workforce, and the semi-affordable pocket in an otherwise expensive market. Financing here is mostly conventional, and Hawaii's high conforming limits mean far more of these homes qualify for conventional financing than they would on the mainland; the upper end crosses into jumbo. Central Maui also offers the most non-tourism employment stability on the island (the airport, healthcare, education, and government), which supports steady owner-occupant demand.

Kihei — South Maui Second Homes and Investment (second home & DSCR)

Kihei sits at the strategic midpoint of South Maui, more accessible than luxury Wailea and Makena to the south, more resort-adjacent than Central Maui to the north, with an average home value around $1 million and a mix of beachfront condos and single-family homes. It's long been Maui's most active second-home market (10% down for mainland buyers) and a popular spot for investment condos near the Kamaole beaches. Two things every Kihei buyer needs to know in 2026, and this is where honest guidance matters:

First, short-term-rental rules are changing. Maui County's Bill 9 sets a timetable to phase out roughly 7,000 apartment-zoned (“Minatoya List”) short-term vacation rentals, beginning in West Maui in 2029 and extending countywide, including Kihei, by 2031. That has already cooled the Maui condo market (Minatoya-listed condo prices are down meaningfully), and it means you must confirm a specific unit's zoning and STR status before you buy, never assume a condo can be a legal vacation rental. If you're buying for long-term use or a personal second home, some of these units now sell at a discount; if you're counting on STR income, verification is essential.

Second, financing a condo requires checking the building. Lenders review HOA finances, owner-occupancy, litigation, and insurance, and Hawaii's condo insurance market has tightened, so I confirm the specific complex is warrantable before you're too far down the road.

Wailea, Makena & the Luxury Corridor — Jumbo (jumbo)

South Maui's Wailea and Makena are the island's ultra-luxury resort communities, gated estates, golf, and beachfront condos ranging from roughly $900,000 to $5 million and up. This is jumbo territory, homes above Maui's $1,299,500 conforming limit, with asset-depletion options for retirees and foreign-national programs for international buyers. Kaanapali, on the West Maui resort corridor, is a legitimate professionally managed condo market as well, though buyers should understand the post-2023 recovery context and the Bill 9 timeline there.

Lahaina — a Community Rebuilding

Lahaina, the historic West Maui town devastated by the August 2023 wildfire, is rebuilding. More than 5,500 housing units were lost, and recovery, permitting, and reconstruction are ongoing and, for many families, still in progress. If you own a lot in Lahaina and are navigating the rebuild, financing a reconstruction is a specialized situation, and I'm glad to help you understand construction and renovation loan options with the care this deserves. This is first and foremost a community getting back on its feet, and I approach it that way.

Loan Programs across Maui

Conventional / High-Balance

Maui’s $1,299,500 conforming limit (the state’s highest) means conventional covers far more than on the mainland — the Central Maui default.

Jumbo

For Wailea, Makena, and any home above the conforming limit; asset-depletion and foreign-national options.

Second Home

10% down for mainland buyers purchasing a Maui getaway.

VA

Zero down, no PMI, no loan limit with full entitlement, for eligible veterans and service members.

DSCR / Investment

For eligible Maui rentals; qualifies on rental income (confirm Bill 9 / Minatoya STR status first).

Construction / Renovation

For rebuilding, including Lahaina reconstruction.

Maui Mortgage FAQ

What is the 2026 conforming loan limit on Maui?+
Maui County’s 2026 conforming (high-balance) limit is $1,299,500 for a single-family home, the highest in Hawaii. Loans above that require jumbo financing. I pull the current figure live from the official limits.
Where is the most affordable place to buy on Maui?+
Central Maui, Kahului and Wailuku, is the island’s most affordable area and the main market for local working families. It offers the most non-tourism employment stability (airport, healthcare, education, government) and the best value your dollar will find on the island.
Can I still buy a short-term vacation rental on Maui?+
It depends on the exact property, and the rules are changing. Maui County’s Bill 9 is phasing out roughly 7,000 apartment-zoned (“Minatoya List”) short-term rentals, starting in West Maui in 2029 and countywide by 2031. You must confirm a specific unit’s zoning and STR status before buying, never assume a condo can legally be a vacation rental. I help verify this before you commit.
How has Bill 9 affected Maui condo prices?+
It has cooled the condo market, especially for Minatoya-listed units, which have seen meaningful price declines as the phase-out approaches. For buyers who want a long-term home or personal second home rather than a vacation rental, that can mean opportunities; for STR-dependent purchases, it means real caution and careful zoning verification.
Can I buy a Maui second home with 10% down?+
Yes. Second-home conventional loans require 10% down for a property suitable for year-round personal use that you occupy part of each year. Kihei and South Maui are popular for second homes. I confirm the specific condo building is warrantable, since lenders review HOA finances and insurance.
Do I need a jumbo loan for Wailea or Makena?+
Usually. Wailea and Makena run from roughly $900,000 to $5 million+, so most homes exceed Maui’s $1,299,500 conforming limit and require jumbo financing, which reaches into the millions with asset-depletion and foreign-national options.
I lost a home in the Lahaina fire. Can you help me finance a rebuild?+
Yes, and with the care this situation deserves. Financing a reconstruction is a specialized process, and I’m glad to walk you through construction and renovation loan options for rebuilding in Lahaina. Recovery is ongoing for many families, and I approach it as a community getting back on its feet.
Is a VA loan useful on Maui?+
Yes. For eligible veterans with full entitlement, VA offers zero down, no PMI, and no loan limit, valuable on an island where prices often exceed conventional conforming limits. I count your full military and benefit income.
Are there down payment assistance programs on Maui?+
Yes. The Hawaii Housing Finance and Development Corporation (HHFDC) offers down payment assistance and below-market-rate mortgages for qualifying buyers, aimed at workforce housing. I’ll check your eligibility.
Do you finance all of Maui?+
Yes, Kahului, Wailuku, Kihei, Wailea, Makena, the West Maui communities, and Upcountry, for local family, luxury, second-home, and investment buyers, with honest guidance on the current rules.
Emmett Clark, mortgage broker NMLS #233747

Emmett Clark — NMLS #233747

I shop 240+ wholesale lenders across Maui to find the rate and program that fits your purchase, and I give you the straight story on zoning and the current rules. Whether it's a family home in Central Maui, a Kihei second home, a Wailea estate, or a Lahaina rebuild, the process starts with a quick conversation.

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Buying on Maui?

Tell me your situation, a family home in Central Maui, a second home in Kihei, a Wailea estate, or a Lahaina rebuild, and I'll tell you which loan fits and give you the straight story on zoning and the current rules. Quick response, no obligation.

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Serving Maui, Hawaii

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Why Contact Emmett?

  • ✓ Local Maui market expertise
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  • ✓ No obligation, free consultation