76-6190 Plumeria Road Kailua Kona, HI 96740

Doug Mallardi, Loan Originator: (808) 333-4341
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Lava Zone Financing

Lava Zone Financing

March 15, 2023

While all of Hawaii was created by volcanic activity, only Hawaii Island (The Big Island) has designated lava zones which may impact your home buying experience. Lava is numerically zoned 1 through 9, 1 bing the most active and 9 being the most dormant. Homes in lava zones 1 and 2 tend to cost less than other lava zones and often appeal to first time home buyers or non-residents searching online for an affordable Hawaii home. We provide purchase financing in lava zones 2 and up. We provide IRRL in lava zones 1 and up. A component to consider early in your search is access to homeowner’s insurance. The east side which includes Pahoa has an insured limit of $450,000 compared to the west side which includes Ocean View has an insured limit of $1,000,000. Here’s a link to additional information: www.lavazone2mortgage.com

Big Island Mortgages by Doug Mallardi
(808) 333-4341 doug@bigislandmortgages.com
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76-6190 Plumeria Road
Kailua Kona, HI 96740

(808) 333-4341

Equal Housing Lender

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Douglas Mallardi, Loan Originator NMLS#1612621

E Mortgage Capital NMLS #1416824

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