No Money Down Maui Homes

Welcome to No Money Down Maui Homes! Properties that qualify are below.

 

 

 

Email Me Now!

We want to get you in a home! We have worked out an amazing program so you don't have to come up with a down payment or even the closing cost for your new home. If you have bad credit or no credit our program will get you six months of free credit repair to help you get your credit score up. 

 

All this is offered for free with a few steps you can start right now.

 

Step One: Email me your full legal name and address along with your email and phone number. I need this to fill out our contingency "Buyers Rep Agreement". This will show you that you don't pay us anything to represent you in this whole process. We get paid from the person selling the home. You don't pay us anything ever.

Step Two: You have to get all your financials in order. 

What is needed to get the process started:

  1. Most recent 2 months of paystubs
  2. Most recent 2 months of bank statements (all pages attached! If statements are double sided we need that other side. 😊)
  3. Most recent retirement, investment account statements (all pages attached! If statements are double sided we need that other side.)
  4. Last 2 years W2’s and/or 1099’s
  5. Last 2 years of Federal Taxes (all pages, schedules & worksheets=if you have not completed your 2018 taxes yet please send the 2016 ones)
  6. If you have self-employment: We need the Federal Business Tax Returns, K1’s, Schedules & Worksheets (all pages for Federal Only)
  7. Self-employment: Profit & Loss and Balance Sheet YTD (if it is currently early in the year, give us last years YTD too)
  8. If you own properties: Current mortgage statements & property insurance binders (if you don’t have ins. Give me your agent/co. name)
  9. Front and Back of your Current Driver’s License (you can text me if that's easier as I delete all private info to stay in compliance with Federal Regulations)
  10. Enclosed Mortgage Information Form & Borrower Authorization Form (3 Pages)- If you didn’t apply online of course! I'll send you the link after Buyers Rep form is completed (Step One).

 

Step Three: We schedule an appointment with my No Money Down Mortgage Counselor with all your documents to get you pre-qualified for a no money down mortgage. If you don't qualify at this time, we will get you signed up with a credit counselor to fix your credit. It's free for 6 months. In most cases, we can fix credit scores up 100 points. This will take some time but we are with you for the whole process. If you have good credit we can start step four right away.

Step Four: We find you a home of your liking and we make an offer. This is a process that we do every day and will negotiate you the very best price for your new home.  

I'm here to help you. I'm just a phone call away (808) 870-9813

 

Email Me Now!

 

See if the property qualifies for this program. Click Here.

 

 

Ron "Skeeter" Stebbins

(808) 870-9813

 

ws@lovelymauihomes.com

No Money Down

$250,000
1 Beds ⋅ 1 Baths ⋅ 407884 MLS ⋅ Leasehold Tenure
You have found the LOWEST PRICED VACANT LAND ANYWHERE ON MAUI!! Also Listed as Vacant Land MLS 407885. The previous dwelling that was built in 1917 has been removed, although a "Portuguese" oven/ fire place and a shed are still standing. Now is your chance to come build your new home in a park like setting in upper Kula. This roomy lot is 6835 sq ft and UNIT 1 is one of 12 CPR properties in this Rural RU-0.5 Zoned, LEASEHOLD community. Added bonus is it also has access to County Water and HECO Electric! In the area there is avocado, sage, ginger, bromeliads, and more. The Lease Rent is remarkably low at just $50 ANNUALLY (Lease Expires in 2050), while monthly maintenance fees are a reasonable $220 (which includes water, trash pick-up, common area maintenance, reserves, insurance). Contact your favorite Realtor today for more info on Residential Condominium (CPR) and LeaseHold (LH) properties, and then schedule a showing to see the possibilities for your new home. Please do not enter the property without prior permission from the listing agent (who must be present during all walk-throughs).

1575 Kamehameiki Rd Unit UNIT 1, Kula

Listing courtesy of Romvari Realty Ltd.

$395,000
1 Beds ⋅ 1 Baths ⋅ 403811 MLS ⋅ Fee Simple Tenure
Embrace the possibilities with this rare beachfront property located just minutes from the heart of Kaunakakai. This prime location along Molokai’s scenic coastline not only offers breathtaking ocean views, gentle sea breezes, and direct access to a tranquil beach, but also the convenience of being close to town amenities. While the home is in need of significant repairs, its proximity to Kaunakakai’s shopping, dining, and community services adds even more value to this exceptional opportunity. With a little vision and investment, this could become your personal paradise or a fantastic investment opportunity. Whether you’re looking for a project or seeking to build new, this property offers endless possibilities in a highly desirable location just steps away from the charm of Kaunakakai.

268 Seaside Pl, Kaunakakai

Listing courtesy of Molokai Realty LLC.

$399,000
1 Beds ⋅ 1 Baths ⋅ 408694 MLS ⋅ Fee Simple Tenure
Experience true serenity in the remote and breathtaking Kanaio region of Maui. 1-bedroom, 1-bath cottage sits on Hui land and offers expansive, unobstructed views of the Pacific Ocean. Fee simple 1/2 acre interest in a 50 acre Hui. This home is a blank canvas waiting for someone to put some love into it. Surrounded by wide-open space and natural beauty, this quaint island retreat is ideal for buyers seeking privacy, tranquility, and a slower pace of life. Wake up to ocean breezes, enjoy whale watching during the winter months, and take in dramatic sunsets and star-filled skies year-round. The simple, cozy layout provides a comfortable and low-maintenance lifestyle, allowing you to fully embrace Maui’s off-the-grid charm. Kanaio is known for its rugged coastline, panoramic ocean views, and peaceful atmosphere—far removed from crowds and resort living, yet within reach of Upcountry Maui and island amenities. This is a rare opportunity to own a private ocean-view cottage in one of Maui’s most secluded and authentic locations. Perfect as a personal retreat, creative hideaway, or peaceful escape, this unique property offers a chance to reconnect with nature and experience Maui in its purest form. Buyer encouraged to do their own due dilligence. This is not a driveby property. Will require 4-wheel drive to access.

17491 Piilani Hwy, Kula

Listing courtesy of The Agency Maui.

$409,000
2 Beds ⋅ 1 Baths ⋅ 408612 MLS ⋅ Fee Simple Tenure
Tucked away in a quiet cul-de-sac just off the Kamehameha V Highway, this 2-bedroom, 1-bathroom home offers a straightforward opportunity to own a piece of Molokai. The property has been updated where it counts, featuring recent exterior paint, a newly poured cement sidewalk, and the professional replacement of the house footings. Situated on a fee-simple lot, the yard is fully fenced and gated, providing a clear boundary while framing views of the nearby mountains and a peekaboo glimpse of the ocean. The 748-square-foot interior offers an open-concept living and kitchen area that serves as a functional canvas for a buyer ready to put in some personal "sweat equity" and modern updates. While the home is located a few miles from the main hub of Kaunakakai, it is conveniently situated near a bus stop for easy island transit. This property is ideal for those seeking a realistic entry into the housing market, offering a blend of essential structural improvements and the chance to finish the interior to your own taste

14 Kawela Way, Kaunakakai

Listing courtesy of Molokai Realty LLC.

$449,000
4 Beds ⋅ 2 Baths ⋅ 407043 MLS ⋅ Fee Simple Tenure
Nestled in the peaceful and scenic community of Maunaloa on the island of Molokai, this charming 4-bedroom, 1.5-bath home offers beautiful ocean and island views, including iconic vistas of Oahu and Diamond Head. Set on an elevated lot, this home benefits from cooler temperatures year-round, providing a comfortable and relaxing lifestyle. A welcoming covered lanai off the living room invites you to enjoy stunning Molokai sunsets and the tranquil surroundings. The home has been thoughtfully updated for accessibility, featuring a ramp entry, as well as safety bars in the bathroom, making it suitable for a range of needs. Inside, you'll find: A spacious living area ideal for gatherings or relaxing evenings, A primary bedroom with attached half bath and additional sink, functionally creating a full en-suite, Solar water heater for energy efficiency and a Large carport with additional closed in storage space and a designated laundry area. Outdoors, custom rock walls add island charm and character to the property while defining the space with a touch of craftsmanship. Maunaloa is known for its peaceful atmosphere, natural beauty, and small-town charm. Just a short drive to Papohaku Beach, local schools, and Molokai Airport, this property offers the perfect mix of seclusion and convenience.

294 Maunaloa Rd Unit 627, Maunaloa

Listing courtesy of Molokai Realty LLC.

$450,000
2 Beds ⋅ 1 Baths ⋅ 409173 MLS ⋅ Fee Simple Tenure
Located on the north side of town, this property is larger than most plantation style homes with many possibilities but will need creative financing or cash as the home is not livable. Value is in the land. This is a drive by, please do not walk the property. Call your favorite Realtor.

223 Gay Pl, Lanai City

Listing courtesy of Okamoto Realty LLC.

$469,000
2 Baths ⋅ 407887 MLS ⋅ Fee Simple Tenure
Rare Opportunity in the Heart of Kaunakakai Town! Discover an exceptional and versatile property located right in the center of Kaunakakai on the island of Molokai. Currently used as a church and gathering center, this unique offering provides endless possibilities for residential, community, or creative commercial use. Situated on a spacious and level 10,980 sq ft lot, the property offers abundant room for parking, gardening, expansion, or future improvements. The main structure features a large open room with a small stage, perfect for hosting events, meetings, workshops, or reimagining as a living or work space. Toward the rear, you’ll find convenient storage closets and a dedicated music studio area, adding to the flexibility of this one-of-a-kind layout. The fully usable yard is ideal for multiple vehicles, boats, trailers, or project/workshop needs, with plenty of maneuvering space. Two exterior bathrooms are located at the back of the structure, and the property is fully fenced for privacy and security. If you’re seeking a centrally located property with room to grow—and countless ways to make it your own—this rare Kaunakakai

100 Hotel Ln, Kaunakakai

Listing courtesy of Molokai Vacation Properties.

$475,000
2 Beds ⋅ 2 Baths ⋅ 407399 MLS ⋅ Fee Simple Tenure
Discover the potential of this classic 2-bedroom, 2-bath plantation-style home, ideally situated in the heart of Lana'i City. Set on an expansive 6,003 sq ft lot, this property offers plenty of outdoor space, including mature noni and fig trees that add to the island appeal. Inside, you'll find a spacious layout that includes a large living room and a separate den area, providing flexibility for entertaining, working from home, or relaxing with 'ohana. The home retains its vintage charm while offering an opportunity for thoughtful updates or restoration. A covered carport provides convenient off-street parking, and the central location puts you close to shops, restaurants, schools and the town square - offering both charm and convenience in a close-knit community. Whether you're looking for a peaceful island residence, a weekend escape, or a property with solid potential, this Lana'i gem invites you to make it your own.

1122 Olapa St, Lanai City

Listing courtesy of Real Broker.

$499,000
5 Beds ⋅ 3 Baths ⋅ 409385 MLS ⋅ Fee Simple Tenure
Rare and Unique opportunity to own a large Kama'aina Home on Molokai. This house is a five bedrooms and 2.5 located in the neighborhood known as Kalae Houselots on Molokai. Sellers are motivated. Current tenants will vacate at the end of August 2026. The property has Photovoltaic panels, a large yard for gardening or pet. Explore the opportunity with a small workshop/office.

23 Kalama Rd Unit 34, Kaunakakai

Listing courtesy of Millennium Realty Inc.

$545,000
1 Beds ⋅ 1 Baths ⋅ 409585 MLS ⋅ Fee Simple Tenure
Perched on Molokai's Scenic west end in the Papohaku Ranchlands, this cottage offers the ideal blend of privacy, space and proximity to some of the islands most breathtaking beaches. Kepuhi Beach is known for winter surf, Make Horse is known for its tide pools, and Papohaku Beach is known for long beach walks. This property captures the essence of relaxed island living. This cottage is a perfect starter home for a young couple or a couple scaling down in life. Inside the home features high open beach ceilings that create a bright and airy atmosphere throughout the spacious great room. The kitchen is thoughtfully designed with stylish wood cabinetry, tiled countertops, and bar seating- perfect for entertaining or casual dining. The one bedroom layout includes a convenient Jack and Jill bathroom, offering both functionality and comfort, along with washer and dryer. Laminate Floors and Ceiling fans throughout! Ample room outside to build a separate garage. Enjoy beautiful ocean views from the covered lanai, an inviting space for outdoor dining or unwinding at sunset. And additional uncovered lanai provides the perfect setting for sunbathing, star gazing, container gardening or simply soaking in the peaceful surroundings. The covered lanai could easily be screen in to enhance indoor/outdoor living area and bug free environment during evening hours. This property is a Residential CPR situated on a generous 2 acre parcel. The property has it’s own septic system and electric meter with sub-metering water. Whether you are hosting family gathering, heading out for a day of ocean activities, exploring nearby hunting areas, or cultivating your own garden, this property support a wide range of life styles. Located just a 3 minute drive or easy 10 minute bike ride down to the beaches, 5 minutes drive to Maunaloa town with a market & Post Office, 10 minute drive to the airport and only 25 minutes to Kaunakakai town. This property is a rare opportunity to own a piece of what we consider- Paradise!!

94 Noho Lio Rd Unit 157, Maunaloa

Listing courtesy of Molokai Vacation Properties.

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