Hawaii Mortgage & Home 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.
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
Refinance Your Mortgage
To lower your monthly payments, change the terms of your loan, or both.
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.
Ready to Get Started?
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
Homebuyer Resources
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
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
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 moreJulie 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.