State of Hawaii employees: For Direct Deposit info for the State of Hawaii’s new payroll system, click here.

Buying a Home Starts Here

We’re Here to Help with Your Home Loan Needs

Whether you’re looking to buy your first home or refinance your home in Hawaii, we’re here to help you every step of the way – from initial application to closing.

If you have additional questions about our loan options, please use our convenient online inquiry form below.

Meet Our Mortgage Team

When you are ready to move forward with your application, please select one of our Mortgage Loan Officers below to get you started.

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.

Mortgage Question

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Fixed Rate Term

Rate

Points

APR

Fixed Rate Term

30 year

Rate

4.250%

Points

2.000%

APR

4.455%

Fixed Rate Term

30 year

Rate

4.500%

Points

1.000%

APR

4.621%

Fixed Rate Term

30 year

Rate

4.625%

Points

0.250%

APR

4.681%

Fixed Rate Term

30 year

Rate

4.750%

Points

-0.375%

APR

4.752%

Fixed Rate Term

15 year

Rate

3.625%

Points

1.750%

APR

3.944%

Fixed Rate Term

15 year

Rate

4.000%

Points

0.625%

APR

4.152%

Fixed Rate Term

15 year

Rate

4.125%

Points

0.250%

APR

4.222%

Fixed Rate Term

15 year

Rate

4.500%

Points

-0.625%

APR

4.500%

Click here to view all mortgage rates.

Online Resources to Help in the Home Buying Journey

We offer free financial tools to help you make knowledgeable decisions about buying a home in Hawaii. Here are some of our online home buying resources:

Wallet Wisdom Blog

You’ll get all kinds of tips from buying a home to improving your credit score in our Wallet Wisdom blog!

Read More >>

Mortgage Calculators

Use our free online calculators to take the guesswork out of how much a mortgage loan payment will be or to calculate if it’s time to refinance.

Calculate a payment >>

Looking to Buy a Home?

Try our interactive eLearning module to explore the benefits of homeownership and the costs associated with it.

Start this course >>

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We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. 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 or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

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