Forward Capital is a locally owned mortgage brokerage built for Hawaii homeowners who want real results, not sales talk. We work the entire market, which means we are not locked into one bank’s products or pricing. Our job is simple. We shop lenders for you, negotiate the terms, and remove the friction that usually costs borrowers money.

We specialize in full service financing for purchases, refinances, reverse mortgages, HELOCs and home equity loans. Every option is compared side by side, so you can see exactly what each lender would charge over time, not just the rate on a flyer. Our focus is on long term cost, accuracy of terms, and getting you through escrow cleanly.

We serve first time buyers who need guidance, current owners looking to use their equity wisely, and seniors who want to protect retirement income with a reverse strategy designed to match their lifestyle in Hawaii. Whatever the goal, we approach it like a financial decision, not a sales pitch, and we stay with you all the way to closing.