VA home loans · Oahu & licensed states

VA home loans for military families in Hawaii, from a retired Army Major who's used his own VA benefit.

I'm Adam Karalius, a mortgage broker with Edge Home Finance in Honolulu. I help veterans, active-duty service members and their families buy homes on Oahu and in the other states where I'm licensed, and I compare options from multiple wholesale lenders to find the right fit.

Adam Karalius, VA mortgage broker in Honolulu

*Edge Home Finance was the #1 VA mortgage broker in the U.S. by VA loan volume in each year from 2022 through 2025, and again from January 1 through September 15, 2026, based on ModelMatch data for brokered VA loan transactions. Company ranking of Edge Home Finance, not an individual ranking.

Why work with me

I've been in your boots

West Point class of 2010, two combat tours, retired Army Major. I used my own VA home loan benefit, so I know the process from both sides of the table.

Hawaii VA know-how

Condo approval, county loan limits, and buying from the mainland before you land.

A broker, not a single bank

I shop your loan across multiple wholesale lenders and explain the trade-offs in plain English.

Who I help

  • First-time VA buyers
  • PCS moves to Schofield, Pearl Harbor-Hickam, Tripler and Kaneohe Bay
  • Veterans using their VA benefit a second time
  • Homeowners looking at a VA IRRRL or cash-out refinance
  • Real estate agents who want a responsive VA lender on their team

Find the PCS guide for your base →

What clients say

Real reviews, copied word for word from Google and Zillow. Swipe for more.

You found your guy! Seriously, especially if you're a first-time buyer, and ESPECIALLY if you're active duty or a veteran using a VA loan, Adam is your man. I was active duty for 20 years, just retired, and the amount of horror stories I heard from military people on being taken advantage of was staggering. Adam seems to have made his mission in life to make sure every person he works with whose VA eligible is treated with dignity and offered transparency and honesty. I was worried when I went into the home buying process that the broker I went with would be concerned about make money more than my wellbeing, and Adam not only made his priority the wellbeing of securing a home for me and my family, but actively went out of his way to have conversations and help me make decisions that will save me money for years to come. I feel like I didn't just get a broker in this deal, but a friend too. Thank you, Brother, we'll be using you again!

Kyle T. Google review

Are you a first time home buyer? Are you serving in the military and in the market to purchase a home? Bottom line: Go see Adam and Monet if you are looking to buy a home! No doubt in my mind that Adam and Monet are the best of the best. I would argue best on the island, too! They will take care with you, walk you through all the steps, and make you feel confident in purchasing your home. 100% recommend from a very happy homeowner!

Dennis A. Google review

As a first time home-buyer, Adam was extremely helpful in navigating the lending process. From the beginning, Adam's professionalism, expertise, and willingness to explain the process was exceptional. We were purchasing our home from mainland and Adam went above and beyond to accommodate our schedule. His responsiveness to our questions always made us feel valued and supported. A heartfelt thank you for assisting us.

Kyle R. Google review

Adam, Monet, and the rest of the team are the best there is when it comes to home loan servicing and knowledge. From the beginning I felt as if I was in the best hands possible. The team answered all my questions no matter the day or night, kept me updated daily to the status of my loan, and ensured my documents were submitted on time. They have a fine attention to detail in their documentation and helped to break it down Barney style if I didn’t know what a credit or specific verbiage meant. They made me and my wife feel like family. I would highly recommend them and everyone they work with if you’re thinking about buying property here in Hawaii.

Kristopher V. Google review

For a first time home buyer, I was as nervous as when my first kid was born. Not only did he make sure everything went smoothly, but was there to answer all my questions and made sure that i received my keys on time to get my family in our first home!

Jeffrey N. Zillow review, April 2021

Read more reviews →

How it works

  1. A 15-minute call about your timeline, orders and goals.
  2. Pre-approval, including your Certificate of Eligibility and funding fee status.
  3. Updates to you, your agent and escrow until you have the keys.

Got orders, or just starting to think about buying? Call or text (808) 425-1719, or email adam.karalius@edgehomefinance.com.

Ready to talk about your VA loan?

Call or text (808) 425-1719, or start your application online.