Capital Loan Associates-Heidi Lawler

Welcome to Capital Loan Associates - Heidi Lawler! As a Hilo mortgage professional, I am determined to get you approved for the home loan you need. We work hard to make the entire mortgage process both a positive and rewarding experience with as little stress as possible.  

Hilo Mortgage Lender

 As a lender, Capital Loan Associates provides our clients with home financing solutions that are tailored to their specific needs. We offer several unique loan programs which include:

1% Down Payment Loans

MCC Tax Credits for First Time Home Buyers

Self Employed Borrowers Bank Statement Programs

Condo Hotels

Lava Zone 1 & 2 Financing

USDA Zero Down Payment Loans

Renovation/Rehab Loans

Home Loan Programs for Credit Scores Between 550 and 619 (VA loans)

In addition to these fantastic loan options, we also provide clients with the standard Conventional, FHA, VA,  and Reverse mortgage loans, and can work with anyone who is looking to refinance or renew their existing mortgage.

We provide such a wide variety of mortgage products because our island team wants to help everyone succeed in their dream of homeownership.

If you are ready to begin your path towards purchasing your dream home, give us a call at (866) 365-6428 or email Heidi@Cap-Loan.com to get your loan process started today!


Hilo, Hawaii


Apply For A Loan Now

Submitting a mortgage application is now easier than ever using our online application tool! You can take your time as you complete the form which allows you to finish the form whenever is most convenient for you. You will even have the option to save your work and resume the application later if you need.

Apply Now

Get a New Loan Quote

As mortgage professionals with years of experience in the Hilo mortgage and San Diego mortgage industries, we can guide you to the right loan amount and best loan program for your needs. Based on standard lender guidelines, we can show you a close estimate of what terms and options you can expect to benefit from with your mortgage loan.

Get A Quote Now

When To Refinance

When it is time to refinance your existing mortgage, we can walk you through the process, making it as stress-free as possible for you to improve your interest rate and monthly payments. We can even go over the options you have to help pay down your balance at a faster pace for a comparable monthly payment.

Refinancing Info

Mortgage Calculator

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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 3.95% 4.08%
15-yr Fixed 3.31% 3.48%
1-yr Adj 2.74% 3.4%
* national averages