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Mortgage Loans

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At Hawaii State FCU, we’re here to help you buy your first or next home, or refinance the one you already own. We can even help you access your home’s equity to help pay for a major expense or simply want to have quick access to emergency funds.

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    The perfect home loan to buy your dream home.

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Special Promotion – Now Through October!

Receive up to a $500 appraisal credit and a $1,500 credit that may be applied toward closing costs or prepaid fees when you fund a qualifying conventional purchase or refinance first mortgage loan with Hawaii State FCU!*

Applications must be received by October 31, 2021 and loan must be funded by Hawaii State FCU by December 31, 2021 to be eligible.

Meet with a Mortgage Loan Officer
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Buying your first home is a big step, and there are several opportunities for homebuyers with little money for a down payment. Learn about options for borrowers seeking no-down-payment home loans.

Send Us Your Home Loan Questions

Mortgages can seem complicated without the right team on your side. Send us your questions. Let us know how we can help you and we’ll get back to you within one business day.

Note: This is only available to Hawaii residents or existing Hawaii State FCU members.
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Member Testimonial

I never thought I’d actually own a home…To get my dream home, it was all possible because of Hawaii State Federal Credit Union.

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Disclosures

* Appraisal waiver and credit details: An appraisal for a 1-unit primary residence may be waived if the valuation is accepted under the FNMA or FHLMC automated underwriting system (Desktop Underwriter or Loan Product Advisor). If the valuation is not accepted, an appraisal will be required and the appraisal fee will be waived if the loan is funded. For multi-unit, investment properties and second homes, a $500 credit will be applied towards the cost of the appraisal if the loan is funded. Non-standard fees for expedited appraisals not included and must be paid separately.

Closing cost & prepaid fee credit details: The $1,500 credit may be applied to loan closing costs (including points), settlement agent costs, recording fees, notary fees, loan-related legal fees, title insurance fees, and for certain pre-paid insurance and property taxes collected to establish an escrow impound account. The credit may not be applied to pre-pay insurance and property taxes when an escrow impound account will not be established with HSFCU, nor to pre-pay leasehold lease payments, homeowners association maintenance fees, or planned-unit development fees. For purchase transactions, seller credits, if any, must be applied toward closing costs and prepaids before the $1,500 credit may be applied toward the loan transaction costs. Any amount in excess of actual closing costs and prepaids will not be refunded or credited. The $1,500 credit will only be applied toward closing costs and prepaids on funded loans.

Required upfront application deposit: A $1,000 application deposit is required for 1-unit primary residence and second home transactions. A $1,500 deposit is required for multi-unit (2-4 units) and investment property transactions. The deposit is required before HSFCU will process the loan application. In the event of withdrawn, cancelled or denied applications, the appraisal cost will not be waived and the $1,500 credit will not be applied. Applicants will be responsible for all expenditures incurred by HSFCU. After the application deposit has been applied toward expenses, any excess will be refunded to the applicant.

Eligible transactions: Purchase or Refinance applications that are received between July 1, 2021 and on or before October 31, 2021 are eligible. Loans must fund and record no later than December 31, 2021. Offer may be cancelled prior to October 31, 2021 by HSFCU at any time without advance warning. HSFCU Membership is required; contact HSFCU to see how you may qualify for free membership. All borrowers must be Hawaii residents. This offer is good for in-house Conventional loans only. VA loans are ineligible for this offer. This offer may not be combined with discounts offered under the HSFCU employee loan program.

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

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