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Mortgage in Hawaii
Finding the perfect mortgage to go with the perfect home is easy at Hawaii State FCU. We’re here to help you buy a home in Hawaii.
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.
|
Fixed Rate Term |
Rate |
Points |
APR |
|---|---|---|---|
|
Fixed Rate Term 30 year |
Rate 3.500% |
Points 1.750% |
APR 3.676% |
|
Fixed Rate Term 30 year |
Rate 3.625% |
Points 1.000% |
APR 3.740% |
|
Fixed Rate Term 30 year |
Rate 3.750% |
Points 0.375% |
APR 3.814% |
|
Fixed Rate Term 30 year |
Rate 4.000% |
Points -0.500% |
APR 4.000% |
|
Fixed Rate Term 15 year |
Rate 2.750% |
Points 1.500% |
APR 3.025% |
|
Fixed Rate Term 15 year |
Rate 2.875% |
Points 0.875% |
APR 3.059% |
|
Fixed Rate Term 15 year |
Rate 3.000% |
Points 0.250% |
APR 3.094% |
|
Fixed Rate Term 15 year |
Rate 3.125% |
Points -0.250% |
APR 3.147% |
First Mortgage Purchase Promotion
Receive 0.25% points off when you obtain a mortgage with Hawaii State FCU1
Calculators to help you save and spend smart
Mortgage Loan Options
Conventional Mortgage
Purchasing a home is quick and easy with a Conventional First Mortgage Loan. Our knowledgeable Mortgage Loan Officers will work with you to make sure your experience is convenient and painless.
- Finance up to $726,525 or up to 95% loan-to-value ratio, whichever is less
- Fixed rate and monthly payments2
- Terms to fit your needs
- Option to make double payments
- Improved residential property in Hawaii accepted as collateral
Combo 100 Program3
Looking for a loan but don’t have any funds for a down payment? Combine a Conventional First Mortgage Loan with a Combo 100 Home Equity Line of Credit and we’ll help you finance 100% of your home up to $750,000.
To make it even easier, you can use gift funds, seller credits and lender credits to pay your closing costs.
- No down payment required
- No income, ZIP code, or census tract restrictions
- No minimum buyer contribution required – gift funds from eligible sources may be used for all down and closing costs
- Primary residence transactions only
- First-time and repeat homebuyers eligible
First-Time Homebuyer Program
Buying your first home is a big step. Thankfully, our team of Mortgage Loan Officers has your back and will guide you through every step of the process. They’ll help make your dreams of owning your first home a reality with our First Time Homebuyer Program4 with low down payment options.
- Finance up to $726,525
- No household income cap
- 3% minimum down payment
- Gift funds from eligible sources may be used for all down and closing costs
Jumbo First Mortgage Loan
Sometimes the perfect home doesn’t fit the conventional mortgage. That’s why we have Jumbo First Mortgage Loans5. Our Mortgage Loan Officers will work you step by step through the mortgage process.
- Combine with our second lien to purchase up to $1.5 million with as little as 10% down
- Fixed rate and payments
- Terms to fit your needs
- Only improved residential property in Hawaii accepted as collateral
VA Guaranteed Loans
Fund a first mortgage under the Veterans Administration guaranteed loan program6 for up to 100% of the purchase price with no ongoing monthly mortgage insurance premium. Also enjoy additional flexibility with debt-to-income ratios and credit history.
- For eligible active duty, retired and reservists
- 100% financing up to $726,525 for one-unit Oahu properties
- 100% financing up to $726,525 for one-unit Maui properties
- Minimal funds for closing costs required
|
Fixed Rate Term |
Rate |
Points |
APR |
|---|---|---|---|
|
Fixed Rate Term 30 year |
Rate 3.000% |
Points 1.625% |
APR 3.348% |
|
Fixed Rate Term 30 year |
Rate 3.125% |
Points 1.125% |
APR 3.434% |
|
Fixed Rate Term 30 year |
Rate 3.375% |
Points 0.000% |
APR 3.594% |
|
Fixed Rate Term 30 year |
Rate 3.500% |
Points -0.500% |
APR 3.679% |
|
Fixed Rate Term 15 year |
Rate 3.000% |
Points 1.500% |
APR 3.620% |
|
Fixed Rate Term 15 year |
Rate 3.125% |
Points 1.125% |
APR 3.690% |
|
Fixed Rate Term 15 year |
Rate 3.500% |
Points 0.000% |
APR 3.899% |
|
Fixed Rate Term 15 year |
Rate 3.625% |
Points -0.125% |
APR 4.007% |
Meet Our Mortgage Team
We’re here to help. Contact a Mortgage Loan Officer today. You can also call our Member Service Call Center at (808) 587-2700 or Toll-free 1 (888) 586-1056 and select option “4”, or stop by any branch.
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Angela Ah LooNMLS #: 457469
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John BallNMLS #: 332546
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Elaine ConroyNMLS #: 350572
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Ed GanitanoNMLS #: 1690710
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Gail T. KeaoNMLS #: 388331
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Wendy KurosawaNMLS #: 272836
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Cynthia MachidaNMLS #: 1468404
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Francine Maldonado-FernandezNMLS #: 312252
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Mihe MuraokaNMLS #: 315371
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Jerrilyn NireiNMLS #: 318096
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Vim BalantacNMLS #: 351537
Ready to apply for your Home Loan?
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Start your online application
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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.
1. The APRs shown above include a reduction in points of 0.25 percentage point for purchase transaction first mortgages for all occupancy types for 1-4 family residential properties in the state of Hawaii for loans funded in-house by Hawaii State FCU. For refinance transactions, increase points by 0.25 percentage point and increase the APR by 0.021 percentage point for a 30-year loan and increase the APR by 0.038 percentage point for a 15-year loan.
2. Payment examples:
For a 15 year loan for $100,000 with 5% downpayment at 3.50% interest rate, no points, and an APR of 3.896%, the monthly principal and interest payment is $715. The total of all interest payments for 15 years is $28,679 and the total of all payments for 15 years $128,679. Payments do not include amounts for taxes and insurance premiums, including property and mortgage insurance premiums. The actual payment obligation will be greater.
For a 30 year loan for $100,000 with 5% downpayment at 4.25% interest rate, no points, and an APR 4.701%, the monthly principal and interest payment is $492. The total of all interest payments for 30 years is $77,098 and the total of all payments for 30 years is $177,098. Payments do not include amounts for taxes and insurance premiums, including property and mortgage insurance premiums. The actual payment obligation will be greater.
3. Click for Mortgage Combo 100 disclosure
4. All borrowers must be first-time homebuyers and not have had interest in real estate in the three previous years to be eligible. Estimated APR with a purchase price of $100,000 and a loan amount of $97,000 for 30 year term is 4.644% with monthly principal and interest payment of $456.13. Total payments for the term of the loan are estimated to be $164,206.79 with total interest for the term of the loan of $67,206.79. Actual APR will vary based on creditworthiness. APR available as of 10/1/2018 and is subject to change. Loan also requires mortgage insurance, collateral hazard insurance, hurricane insurance, flood insurance for properties in designated flood hazard zones, and HO6 walls-in condominium insurance in amounts to be determined by Hawaii State FCU. Payments do not include amounts for taxes and insurance premiums, including property and mortgage insurance premiums. The actual payment obligation will be greater. All premiums for the aforementioned insurances and property tax must be impounded and escrowed by Hawaii State FCU unless otherwise collected and paid by a homeowners’ association. Program is available for 1-unit fee-simple owner-occupied primary residences located in the state of Hawaii only. Membership in the credit union required.
5. Payment example:
For a 30 year loan for $800,000 with 20% downpayment at 4.25% interest rate, no points, and an APR 4.264%, the monthly principal and interest payment is $3,936. The total of all interest payments for 30 years is $616,787 and the total of all payments for 30 years is $1,416,787. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater.
6. Payment example:
For a 15 year loan for $100,000 with a fully financed VA funding fee** and total loan amount of $102,300 at 3.125% interest rate, 1.000% points, and an APR of 3.782%, the monthly principal and interest payment is $713. The total of all interest payments for 15 years is $25,974 and the total of all payments for 15 years $128,274. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
For a 30 year loan for $100,000 with a fully financed VA funding fee** and total loan amount of $102,300 at 3.375% interest rate, 0.125% points, and an APR of 3.666%, the monthly principal and interest payment is $452. The total of all interest payments for 30 years is $60,516 and the total of all payments for 30 years is $162,816. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater. NMLS# 405316
** VA funding fee may vary based on your eligibility.