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Condotel Loans Just Got Easier

Now Just 20% Down on all Condotels

First Hawaiian Bank is now allowing 20% down payments on all Maui condotels if the purchase is for an owner-occupant or a second home. A higher down payment will be required if the condo will be used for a vacation rental.

A second home purchase is defined as someone who does not currently own any other rental properties on Maui. Also, no rental agreements, reservations or management contracts may be requested on the purchase contract.

Foreign citizens still will require 30% down and 35% down if the purchase is over $1.5M.

First Hawaiian Bank offers lenient lending guidelines and will work with you to achieve home ownership on Maui.

Contact senior mortgage loan officer, Rick Smith directly at

Cell 808-281-7535

Office 808-874-8644

Fax 808-874-0367

161 Wailea Ike Pl. A-101

Wailea, HI, 96753

N.M.L.S.#543118

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About The Smith Team

Ken Smith, a Maui resident for 35 years, brings his extensive local knowledge and passion for the island to his successful real estate career. Alongside his daughter-in-law, Melissa Smith, and Greg Smith, the Smith Team provides a wealth of experience and dedication to clients seeking to buy or sell property in Maui.

Melissa Smith, a third-generation Maui native, combines her deep understanding of the island's growth with a commitment to exceptional service. She empowers clients with knowledge to make informed decisions in finding their dream homes. With a background as a top agent and a Broker's license, Melissa's expertise is invaluable.

Gregory P. Smith, a lifelong Maui surfer, channels his passion for the island and its natural beauty into his real estate profession. His enthusiasm, deep market knowledge, and dedication to exceeding client expectations make him an exceptional agent.

The Smith Team's combined local expertise, commitment to client service, and understanding of the unique Maui real estate market make them an ideal choice for those looking to navigate the island's property landscape. Their proven track record ensures a smooth and successful experience for both buyers and sellers.