Hawaii Mortgage & Home Loans

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Happy family of three.

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.

Payments You Can Afford

Enjoy affordable monthly payments with today’s rates and terms.

Anywhere, Anytime Access

Log in to Online Banking or use the Mobile App to manage your mortgage.

Expert Advice and Servicing

Our mortgage team is here to answer questions and get what you need.

Financing For All Of Your Home Ownership Goals

Buy A Home

The perfect home loan to buy your dream home.

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Refinance Your Mortgage

To lower your monthly payments, change the terms of your loan, or both.

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Home Equity Line of Credit (HELOC)

To pay for a remodel, vacation, high-interest debt, or have money for emergencies.

Ready to apply? Start your application here.

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Ready to Get Started?

Meet our mortgage team

No-Down-Payment Loans

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
First-time homebuyers asking about no-down-payment loans

Homebuyer Resources

Homeowners Guidebook cover

Homeowners Guidebook

This easy-to-follow guide takes you through the homebuying journey, from determining what you can afford, to applying for a loan, the closing process, and more.

View the guide
couple applying for a home loan

Dos and Don’ts of Home Financing

Some tips on what to do and what not to do when you’re getting ready to purchase or refinance your home.

Get tips
Rent or buy FPO

Buying Vs. Renting A Home

Are there situations when it might be better to rent rather than buy? Learn more about some of the things to consider when deciding to rent or buy a home.

Learn more

Julie and Ace's Story

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.

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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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.

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