USDA Loans

Our USDA home loan program offers individuals and families the opportunity to purchase their dream home regardless of the financial hurdles they face.

Created to assist low to moderate-income families.

Insured by the U.S. Department of Agriculture, USDA loans are mortgages made specifically for rural properties. Eligible applicants may build, rehabilitate, or relocate a dwelling in an eligible rural area. Benefits on a USDA Loan may include:

No Down Payment

Low Interest Rates

Quick Approval

Low Credit Scores

Easy to Qualify

How it Works

Our Streamlined Lending Process

Free Rate Quote

Begin with a free 1-minute loan evaluation to see what rates and loan types you qualify for, connecting you with a local loan officer.

Portal Access

Once you've connected with a loan officer, you will receive a link to your portal account, our secure and paperless home loan platform that makes the process faster and easier.

Customize Your Loan

Our loan specialists give expert, custom recommendations with real interest rates and payments. You'll be able to compare options within your portal and view your loan rate.

Complete Your To-Do List

A personalized to-do list of the remaining documents we’ll need from you to upload or e-sign at your own pace within your portal.

Loan Processing & Approval

Track your real-time loan processing in the portal. Once approved, your closing documents will be available to review at your convenience.

Our Home Loan Purchase Options

If you’re like most people, purchasing a home is probably one of the biggest investments you’ll ever make in your lifetime. We can help you find the right program and navigate your loan. Don’t miss your chance to take advantage of today’s low mortgage rates.

Conventional Loans

Jumbo Loans

FHA Loans

VA Loans

USDA Loans

DHHL Loans

Client Feedback

"It was seamless working with them. Questions were answered promptly, very organized. They made buying a home seem like a breeze! The electronic platform they work with was easy to navigate and simple to upload documents to. A+ all around."

"On time for loan closing as discussed. Follow up was fantastic! Going forward the staff still make themselves available. Great knowing the team is there when I need them now and in the future."

"They kept in contact with me thru the entire process. They were patient with me, explaining steps as we went along & did not become irritated with my 101 questions. They worked very hard to be sure I qualified!"

"Thank you for efficient service! Coming to me for meetings, drop off and pick up of documents is appreciated. Mahalo!!!"

"We were completely informed throughout the entire process and everything went smoothly. We are now living in our dream home with an affordable payment and an amazing rate on a VA Loan. The best of the best!"

"Quick responses and great advice, Marla went above and beyond."

"The best refinancing company that my wife and I ever experienced. Every step of the way was smooth sailing. Marla always kept us abreast throughout the process due to her professionalism and experience."

"Good service and convenient way to get and deliver documents. Very efficient and quick. Nice people to work on a normally challenging process. Thank you!!!"

"Great company to refinance your mortgage. They were fast and easy to work with and great communication."

"Great customer service, great rate and very easy refinancing process despite the COVID issues."

"Excellent customer service!! Knowledgeable!! Timely!! Pleasant to work with!! Great home buying experience!! Highly recommended!!"

"My husband and I just completed a refi a few months back. I highly recommend Craig to anyone and especially if you're dealing with DHHL. He gets it done!"

"We felt that the staff had our best interest in mind throughout the whole process. Very accommodating and kept us on schedule to get things processed."

"Thank you for helping our family when we needed the help!! We appreciate you and your team of wonderful people who made us feel special and that we were included every step of the process!!"

"I can summarize in 5 points: Attention to Detail, Professionalism, Patience, Disposition, and Communication Skills."

"Not only did they get us in a much better mortgage program, but they analyzed our entire finances and eliminated our debt. We are living a comfortable and manageable life."

"They were very friendly and eager to help. It definitely made the entire process easy and smooth especially for a first time home buyer like myself."

"There is a great amount of knowledge which facilitated an otherwise stressful procedure and process to one of deliberate, structured, and guided application toward the successful outcome. Highly recommended."

"The information and procedure/process was explained in a clear and understandable manner. The teamwork within the office was really great. Recommended highly."

"Amazing. This transaction was full of challenges but the team never gave up and made this happen for me and my family. For this I will be forever grateful."

"It was great dealing with a local person who understood Hawaii and the complexities associated with business on the island and financing. I would highly recommend them for mortgage finance or refinance needs."

"Personal attention and a willingness to go over and above to help move the process along, especially with so many people refinancing right now."

Free Rate Quote

Whether it’s time to buy or refinance, begin with a free 1-minute loan evaluation to see what rates and loan types you qualify for, connecting you with a local loan officer.

USDA Loans

Our USDA home loan program offers individuals and families the opportunity to purchase their dream home regardless of the financial hurdles they face.

Created to assist low to moderate-income families.

No Down Payment

Low Interest Rates

Quick Approval

Low Credit Scores

Easy to Qualify

How it Works

Our Streamlined Lending Process

Free Rate Quote

Portal Access

Customize Your Loan

Complete Your To-Do List

Loan Processing & Approval

Our Home Loan Purchase Options

Client Feedback

Frequently Asked Questions

Free Rate Quote

Whether it’s time to buy or refinance, begin with a free 1-minute loan evaluation to see what rates and loan types you qualify for, connecting you with a local loan officer.

Expert Advice, Moments Away...

Luminate Home Loans Hawaii

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