Think you need 20% down to buy a home in Hawaii? Think again.
My actual neighbor purchased his home right here on Oahu with just 3.5% down using an FHA loan — and in this video, I’m breaking down exactly how he did it, step by step.
If you’ve been renting in Hawaii and wondering whether homeownership is even possible with today’s prices, this video is for you. I’ll walk you through what FHA loans are, who qualifies, the current loan limits for Hawaii, and the exact process from pre-approval to closing day.
Here’s what you’ll learn:
- What makes FHA loans different from conventional mortgages
- The real down payment math for Hawaii properties
- Credit score and income requirements
- How to find FHA-eligible properties on Oahu, Maui, Big Island, and Kauai
- Common FHA mistakes Hawaii buyers make (and how to avoid them)
- Why 2026 may be the right time to act
Whether you’re a first-time buyer, military family, or relocating to Hawaii, FHA loans can be a game-changer in one of America’s most expensive housing markets.
🏠 Ready to explore your options?
📞 Schedule a free consultation: https://jasonwong.us/contact/
🌐 Browse listings: https://islanddragonfly.com/property-search
💻 Visit my website: https://jasonwong.us
🤝 About Island Dragonfly: https://islanddragonfly.com
ABOUT JASON WONG
Jason Wong (PB) MBA is the Principal Broker and President of Island Dragonfly, LLC. A licensed real estate professional since 2004 and the #1 GLOBAL CENTURION Top Producer on Oahu in 2022, Jason serves buyers and sellers across all six major Hawaiian islands. Born in Hong Kong and raised in Vancouver, he brings bilingual expertise (English & Chinese) and a global investor network to every transaction.
License #RB-22819 | Island Dragonfly LLC #RB-24348
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