You can approach US financing in a number of ways. Your best chance for a smooth transaction is to find a lender with significant operations in the area of interest to you -- in this case Honolulu. In my own marketplace (greater Louisville, Kentucky), I lean heavily toward lenders based right here in town or, alternatively, with a "real" office here, staffed by the most capable people. Such lenders then should be very familiar with the local market, customs, contacts (such as appraisers and closing attorneys). Do you have a real estate professional to help you with your property search and acquisition? Say the word if you would like a recommendation. Best wishes!
Syndi Chesser, 100% Club, Broker Associate, Builder
Senior Partner - Chesser Meade Group
Accredited Buyer Representative (ABR)
Certified Distressed Property Expert (CDPE)
RE/MAX Associates of Louisville (Kentucky)