Finance Factors was founded 70 years ago to help many of Hawai‘i’s hardworking families who struggled to obtain loans for everyday needs, from refrigerators to pots and pans. As our community’s fi-nancing needs changed, we evolved, too. Today, we are a focused real estate lender and savings institution, specializing in conforming and nonconforming residential mortgages and commercial real estate loans.
The high cost of living, low housing inventory and current interest rates have made Hawai‘i a difficult place for many people to get ahead. Because of our long history in Hawai‘i, we understand its unique real estate market, and know that a one-size-fits-all approach doesn’t work for the challenges we face here. Therefore, we approach lending with creativity, quick decision-making and a fierce commitment to make loans happen for our customers.
Owning real estate is one of the best paths to financial security and wealth creation in our islands. We continue to give people timely custom solutions to help navigate our local market, paving their way to financial success and a world of possibilities.
Whether you are a first-time homeowner or business owner looking to expand your commercial presence, our custom products can help you reach your goals. We have competitive 30-year fixed rate loans, options that address today’s high interest rates, and powerful multi-collateral programs that parents and grandparents often utilize to help their children and grandchildren become homeowners and build generational wealth.
To help you save for your future faster, we have some of the best rates on savings and certificates of deposits. Whether saving for a down payment, your next big purchase or retirement, we can help give your hard-earned cash a boost.