# Adam Karalius - VA Mortgage Broker, Edge Home Finance

> Honolulu-based mortgage broker (NMLS 1886259) and retired U.S. Army Major focused on VA home loans for veterans, active-duty service members and military families in Hawaii and the other states where he is licensed: California, Florida, Georgia, North Carolina, Tennessee, Texas, Virginia and Washington. West Point class of 2010; used his own VA loan benefit. Edge Home Finance, LLC, NMLS 891464. 4744 Matsonia Dr, Honolulu, HI 96816. Phone (808) 425-1719. Email adam.karalius@edgehomefinance.com. Reviews: 5.0 from 103 Google reviews, 5.0 from 41 Zillow reviews, as of Nov 10, 2026. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs, the Department of Defense, the U.S. Army or any government agency. No interest rates are advertised.

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. This is a company ranking of Edge Home Finance, not an individual ranking. Licensing and state disclosures: https://edgehomefinance.com/licensing-disclaimer/

## Quick answers
- Veterans receiving VA disability compensation are typically exempt from the VA funding fee; the Certificate of Eligibility shows your status.
- For 2026, the county limit for partial entitlement is $1,249,125 in Honolulu, Hawaii and Kauai counties and $1,299,500 in Maui County. With full entitlement, VA sets no loan limit.
- Individual lenders may set their own maximum loan amounts and credit requirements.
- VA generally expects you to occupy the home within about 60 days of closing.
- A condo project must be VA-approved before you write an offer.
- BAH counts as income for qualifying.
- Most of the loan can be handled by phone, video and e-signature; closing documents need a notary.

## Key pages
- [About Adam](https://adamkaralius.com/about/): West Point 2010, retired Army Major, Bronze Star, Purple Heart, VA borrower himself
- [VA loans in Hawaii](https://adamkaralius.com/va-loans-hawaii/): entitlement, funding fee, 2026 limits, condos
- [Condos](https://adamkaralius.com/condos/): VA condo approval and what to check before you offer
- [VA FAQ](https://adamkaralius.com/va-faq/): 14 common VA buyer questions
- [PCS to Oahu](https://adamkaralius.com/pcs/): guides for Schofield Barracks, Joint Base Pearl Harbor-Hickam, Tripler, Marine Corps Base Hawaii
- [For Realtors](https://adamkaralius.com/realtors/): agent partner program
- [Reviews](https://adamkaralius.com/reviews/)
- [Contact and apply](https://adamkaralius.com/contact/)