Welcome
Your Trusted Mortgage Partner in Hawaii
At Island Home Financing, we specialize in helping you achieve your dream of homeownership in the beautiful state of Hawaii. Whether you’re a first-time buyer, looking to refinance, or investing in property, we’re here to provide the support and expertise you need.
At Island Home Financing, we specialize in helping you achieve your dream of homeownership in the beautiful state of Hawaii. Whether you’re a first-time buyer, looking to refinance, or investing in property, we’re here to provide the support and expertise you need.
"Ethan was a pleasure to work with during the purchase of our condo. He expertly guided us through every step of the closing process and proactively locked in the lowest rates possible for us. Ethan went above and beyond by shopping around for the best lenders to ensure we got the best deal. We truly appreciated his dedication and professionalism, and we would definitely reach out to him again for our next purchase!"
About Us
About Us
About Island Home Financing
Island Home Financing LLC, a Kauai-based mortgage brokerage, is committed to helping you achieve your homeownership dreams. Founded by Ethan Rohner, a local lending expert with over 25 years of experience in residential mortgages. Island Home Financing LLC offers personalized service and a wide range of loan programs throughout the Hawaiian islands.
We partner with leading wholesale mortgage companies to ensure you have access to the most competitive rates and options. Whether you're a first-time homebuyer, an investor, or looking to refinance your existing mortgage, we can help you find the perfect solution. Our loan programs include Conventional, VA, FHA, Jumbo, USDA, DSCR, DHHL, Non-QM, Bridge loans, Fix-n-Flip, Condotel, HELOCs, and more.
At Island Home Financing LLC, we leverage industry-leading technology, including an online application portal and secure document upload, to provide a seamless and efficient loan process. Our commitment to personalized service means that you'll receive expert guidance and support every step of the way.
Benefits
Benefits
Benefits
Why Choose Island Home Financing?
Local Expertise
With decades of lending in Hawaii, we understand the unique aspects of the local real estate market.
Local Expertise
With decades of lending in Hawaii, we understand the unique aspects of the local real estate market.
Local Expertise
With decades of lending in Hawaii, we understand the unique aspects of the local real estate market.
Competitive Rates
Our wide network of lenders ensures you get the best rates and terms available.
Competitive Rates
Our wide network of lenders ensures you get the best rates and terms available.
Competitive Rates
Our wide network of lenders ensures you get the best rates and terms available.
Personalized Service
We offer tailored mortgage solutions to fit your specific needs and financial situation.
Personalized Service
We offer tailored mortgage solutions to fit your specific needs and financial situation.
Personalized Service
We offer tailored mortgage solutions to fit your specific needs and financial situation.
Smooth Process
From application to closing, we make the mortgage process simple and stress-free.
Smooth Process
From application to closing, we make the mortgage process simple and stress-free.
Smooth Process
From application to closing, we make the mortgage process simple and stress-free.
Who We Are
Who We Are
Who We Are
Meet the Team
Compare
Compare
Compare
Island Home Financing: Your Local Mortgage Broker
Discover why working with us beats relying on a bank loan officer
Mortgage Broker
Access to multiple lenders
Competitive rates & waived fees
Streamlined process
Tailored solutions
Transparency & aligned incentives
Bank Loan Officer
Limited to one lender
Less rate flexibility
More paperwork for comparisons
Less adaptive for complex cases
Product loyalty bias
Mortgage brokers offer borrowers greater choices, better rates, convenience, and personalized solutions.
Testimonials
Testimonials
Testimonials
Hear from our clients
Ethan was a pleasure to work with during the purchase of our condo. He expertly guided us through every step of the closing process and proactively locked in the lowest rates possible for us. Ethan went above and beyond by shopping around for the best lenders to ensure we got the best deal. We truly appreciated his dedication and professionalism, and we would definitely reach out to him again for our next purchase!
Santosh K
We closed on our first home and we couldn’t have done it without Ethan! He was incredibly knowledgeable and made sure we understood the entire home buying process and had everything we needed. He was extremely responsive and available for all our questions. We definitely felt the Aloha working with Ethan and would highly recommend working with him if you are planning on buying a home on Kauai. We are so grateful, mahalo Ethan!
Chase & Amanda Slater
We just finished our new home and needed to convert our construction loan to conventional loan. We contacted Ethan Rohner for assistance. We’ve purchased and refinanced several houses and condos over the past 20 years so we have some familiarity in this area. Our experience with Ethan during our refinance was the best we’ve ever had. He was attentive to our needs, helpful and reassuring all throughout our refinance process. If we had questions, he was always available and, in many occasions, he anticipated them before we even asked. We greatly appreciated the depth of his knowledge in Mortgage transactions and the market place. We would highly recommend Ethan Rohner for all of your mortgage needs.
Bret Larson
I had an amazing experience working with Ethan ! As a first-time homebuyer, I was nervous and confused throughout the process, but he was incredibly responsive and patient. He made sure to follow up regularly, which kept me in the loop every step of the way. He took the time to explain everything to me in detail, making sure I understood all my options. He was always there to answer my questions and help me find the best deal. I highly recommend him for his professionalism, knowledge, and dedication to making the experience smooth and stress-free!
Amber Tang
Ethan was a pleasure to work with during the purchase of our condo. He expertly guided us through every step of the closing process and proactively locked in the lowest rates possible for us. Ethan went above and beyond by shopping around for the best lenders to ensure we got the best deal. We truly appreciated his dedication and professionalism, and we would definitely reach out to him again for our next purchase!
Santosh K
We closed on our first home and we couldn’t have done it without Ethan! He was incredibly knowledgeable and made sure we understood the entire home buying process and had everything we needed. He was extremely responsive and available for all our questions. We definitely felt the Aloha working with Ethan and would highly recommend working with him if you are planning on buying a home on Kauai. We are so grateful, mahalo Ethan!
Chase & Amanda Slater
We just finished our new home and needed to convert our construction loan to conventional loan. We contacted Ethan Rohner for assistance. We’ve purchased and refinanced several houses and condos over the past 20 years so we have some familiarity in this area. Our experience with Ethan during our refinance was the best we’ve ever had. He was attentive to our needs, helpful and reassuring all throughout our refinance process. If we had questions, he was always available and, in many occasions, he anticipated them before we even asked. We greatly appreciated the depth of his knowledge in Mortgage transactions and the market place. We would highly recommend Ethan Rohner for all of your mortgage needs.
Bret Larson
I had an amazing experience working with Ethan ! As a first-time homebuyer, I was nervous and confused throughout the process, but he was incredibly responsive and patient. He made sure to follow up regularly, which kept me in the loop every step of the way. He took the time to explain everything to me in detail, making sure I understood all my options. He was always there to answer my questions and help me find the best deal. I highly recommend him for his professionalism, knowledge, and dedication to making the experience smooth and stress-free!
Amber Tang
Ethan was a pleasure to work with during the purchase of our condo. He expertly guided us through every step of the closing process and proactively locked in the lowest rates possible for us. Ethan went above and beyond by shopping around for the best lenders to ensure we got the best deal. We truly appreciated his dedication and professionalism, and we would definitely reach out to him again for our next purchase!
Santosh K
We closed on our first home and we couldn’t have done it without Ethan! He was incredibly knowledgeable and made sure we understood the entire home buying process and had everything we needed. He was extremely responsive and available for all our questions. We definitely felt the Aloha working with Ethan and would highly recommend working with him if you are planning on buying a home on Kauai. We are so grateful, mahalo Ethan!
Chase & Amanda Slater
We just finished our new home and needed to convert our construction loan to conventional loan. We contacted Ethan Rohner for assistance. We’ve purchased and refinanced several houses and condos over the past 20 years so we have some familiarity in this area. Our experience with Ethan during our refinance was the best we’ve ever had. He was attentive to our needs, helpful and reassuring all throughout our refinance process. If we had questions, he was always available and, in many occasions, he anticipated them before we even asked. We greatly appreciated the depth of his knowledge in Mortgage transactions and the market place. We would highly recommend Ethan Rohner for all of your mortgage needs.
Bret Larson
I had an amazing experience working with Ethan ! As a first-time homebuyer, I was nervous and confused throughout the process, but he was incredibly responsive and patient. He made sure to follow up regularly, which kept me in the loop every step of the way. He took the time to explain everything to me in detail, making sure I understood all my options. He was always there to answer my questions and help me find the best deal. I highly recommend him for his professionalism, knowledge, and dedication to making the experience smooth and stress-free!
Amber Tang
Ethan was a pleasure to work with during the purchase of our condo. He expertly guided us through every step of the closing process and proactively locked in the lowest rates possible for us. Ethan went above and beyond by shopping around for the best lenders to ensure we got the best deal. We truly appreciated his dedication and professionalism, and we would definitely reach out to him again for our next purchase!
Santosh K
We closed on our first home and we couldn’t have done it without Ethan! He was incredibly knowledgeable and made sure we understood the entire home buying process and had everything we needed. He was extremely responsive and available for all our questions. We definitely felt the Aloha working with Ethan and would highly recommend working with him if you are planning on buying a home on Kauai. We are so grateful, mahalo Ethan!
Chase & Amanda Slater
We just finished our new home and needed to convert our construction loan to conventional loan. We contacted Ethan Rohner for assistance. We’ve purchased and refinanced several houses and condos over the past 20 years so we have some familiarity in this area. Our experience with Ethan during our refinance was the best we’ve ever had. He was attentive to our needs, helpful and reassuring all throughout our refinance process. If we had questions, he was always available and, in many occasions, he anticipated them before we even asked. We greatly appreciated the depth of his knowledge in Mortgage transactions and the market place. We would highly recommend Ethan Rohner for all of your mortgage needs.
Bret Larson
I had an amazing experience working with Ethan ! As a first-time homebuyer, I was nervous and confused throughout the process, but he was incredibly responsive and patient. He made sure to follow up regularly, which kept me in the loop every step of the way. He took the time to explain everything to me in detail, making sure I understood all my options. He was always there to answer my questions and help me find the best deal. I highly recommend him for his professionalism, knowledge, and dedication to making the experience smooth and stress-free!
Amber Tang
Ethan was a pleasure to work with during the purchase of our condo. He expertly guided us through every step of the closing process and proactively locked in the lowest rates possible for us. Ethan went above and beyond by shopping around for the best lenders to ensure we got the best deal. We truly appreciated his dedication and professionalism, and we would definitely reach out to him again for our next purchase!
Santosh K
We closed on our first home and we couldn’t have done it without Ethan! He was incredibly knowledgeable and made sure we understood the entire home buying process and had everything we needed. He was extremely responsive and available for all our questions. We definitely felt the Aloha working with Ethan and would highly recommend working with him if you are planning on buying a home on Kauai. We are so grateful, mahalo Ethan!
Chase & Amanda Slater
We just finished our new home and needed to convert our construction loan to conventional loan. We contacted Ethan Rohner for assistance. We’ve purchased and refinanced several houses and condos over the past 20 years so we have some familiarity in this area. Our experience with Ethan during our refinance was the best we’ve ever had. He was attentive to our needs, helpful and reassuring all throughout our refinance process. If we had questions, he was always available and, in many occasions, he anticipated them before we even asked. We greatly appreciated the depth of his knowledge in Mortgage transactions and the market place. We would highly recommend Ethan Rohner for all of your mortgage needs.
Bret Larson
I had an amazing experience working with Ethan ! As a first-time homebuyer, I was nervous and confused throughout the process, but he was incredibly responsive and patient. He made sure to follow up regularly, which kept me in the loop every step of the way. He took the time to explain everything to me in detail, making sure I understood all my options. He was always there to answer my questions and help me find the best deal. I highly recommend him for his professionalism, knowledge, and dedication to making the experience smooth and stress-free!
Amber Tang
Ethan was a pleasure to work with during the purchase of our condo. He expertly guided us through every step of the closing process and proactively locked in the lowest rates possible for us. Ethan went above and beyond by shopping around for the best lenders to ensure we got the best deal. We truly appreciated his dedication and professionalism, and we would definitely reach out to him again for our next purchase!
Santosh K
We closed on our first home and we couldn’t have done it without Ethan! He was incredibly knowledgeable and made sure we understood the entire home buying process and had everything we needed. He was extremely responsive and available for all our questions. We definitely felt the Aloha working with Ethan and would highly recommend working with him if you are planning on buying a home on Kauai. We are so grateful, mahalo Ethan!
Chase & Amanda Slater
We just finished our new home and needed to convert our construction loan to conventional loan. We contacted Ethan Rohner for assistance. We’ve purchased and refinanced several houses and condos over the past 20 years so we have some familiarity in this area. Our experience with Ethan during our refinance was the best we’ve ever had. He was attentive to our needs, helpful and reassuring all throughout our refinance process. If we had questions, he was always available and, in many occasions, he anticipated them before we even asked. We greatly appreciated the depth of his knowledge in Mortgage transactions and the market place. We would highly recommend Ethan Rohner for all of your mortgage needs.
Bret Larson
I had an amazing experience working with Ethan ! As a first-time homebuyer, I was nervous and confused throughout the process, but he was incredibly responsive and patient. He made sure to follow up regularly, which kept me in the loop every step of the way. He took the time to explain everything to me in detail, making sure I understood all my options. He was always there to answer my questions and help me find the best deal. I highly recommend him for his professionalism, knowledge, and dedication to making the experience smooth and stress-free!
Amber Tang
Services
Services
Services
Areas of Service
Home Purchase Loans
Whether you’re buying your first home or your dream home, we offer a variety of loan options to fit your needs.
Investment Property Loans
Explore opportunities to invest in Hawaii’s real estate market with our specialized loan products.
Jumbo Loans
For those looking to finance high-value properties, we offer competitive jumbo loan options.
Refinancing
Lower your monthly payments or access your home’s equity with our refinancing solutions.
VA & FHA Loans
We provide government-backed loans to help more people achieve homeownership.
HELOC
Tap into your home equity without paying off your 1st mortgage. Great for home improvements, debt consolidation, etc.
Home Purchase Loans
Whether you’re buying your first home or your dream home, we offer a variety of loan options to fit your needs.
Investment Property Loans
Explore opportunities to invest in Hawaii’s real estate market with our specialized loan products.
Jumbo Loans
For those looking to finance high-value properties, we offer competitive jumbo loan options.
Refinancing
Lower your monthly payments or access your home’s equity with our refinancing solutions.
VA & FHA Loans
We provide government-backed loans to help more people achieve homeownership.
HELOC
Tap into your home equity without paying off your 1st mortgage. Great for home improvements, debt consolidation, etc.
Home Purchase Loans
Whether you’re buying your first home or your dream home, we offer a variety of loan options to fit your needs.
Investment Property Loans
Explore opportunities to invest in Hawaii’s real estate market with our specialized loan products.
Jumbo Loans
For those looking to finance high-value properties, we offer competitive jumbo loan options.
Refinancing
Lower your monthly payments or access your home’s equity with our refinancing solutions.
VA & FHA Loans
We provide government-backed loans to help more people achieve homeownership.
HELOC
Tap into your home equity without paying off your 1st mortgage. Great for home improvements, debt consolidation, etc.