Buy a Home
Apply nowMortgage Lenders 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.
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Expert Advice and Servicing
Our mortgage team is here to answer questions and get what you need.
Buying a home in Hawaii is a big investment. It involves a lot of time, research, and naturally, finances. Here are a few things to consider before buying a home.^{1}
Fixed Rate Term 
Rate 
Points 
APR 

Fixed Rate Term 30 year 
Rate 7.125% 
Points 1.625% 
APR 7.351% 
Fixed Rate Term 30 year 
Rate 7.750% 
Points 0.000% 
APR 7.813% 
Fixed Rate Term 15 year 
Rate 6.500% 
Points 1.625% 
APR 6.858% 
Fixed Rate Term 15 year 
Rate 7.250% 
Points 0.250% 
APR 7.389% 
Fixed Rate Term 
Rate 
Points 
APR 

Fixed Rate Term 5 Year ARM 
Rate 6.250% 
Points 1.250% 
APR 7.551% 
Fixed Rate Term 5 Year ARM 
Rate 6.750% 
Points 0.000% 
APR 7.629% 
Fixed Rate Term 7 Year ARM 
Rate 6.375% 
Points 1.250% 
APR 7.395% 
Fixed Rate Term 7 Year ARM 
Rate 6.875% 
Points 0.000% 
APR 7.531% 
Fixed Rate Term 10 Year ARM 
Rate 6.500% 
Points 1.250% 
APR 7.228% 
Fixed Rate Term 10 Year ARM 
Rate 7.000% 
Points 0.000% 
APR 7.437% 
Ready to apply for a Mortgage Loan and need assistance?
Schedule an appointment online with one of our mortgage loan officers.
Calculators to help you save and spend smart
Mortgage Loan Options
Conventional Fixed Rate Mortgages^{2}
Purchasing a home is quick and easy with a Conventional Fixed Rate First Mortgage Loan. Our knowledgeable Mortgage Loan Officers will work with you to make sure your experience is convenient and painless.
 Finance up to $1,089,300 or up to 95% loantovalue ratio, whichever is less
 Fixed rate and monthly payments^{1}
 Terms to fit your needs
 Improved residential property in Hawaii accepted as collateral
Adjustable Rate Hybrid Mortgages^{3}
Adjustable Rate Hybrid Mortgages (ARMs) may offer a more affordable option, with lower interest rates and payments, during the initial fixed interest rate period. The rate may vary and the payments may increase after that period.
 Lower rates and more affordable payments compared to conventional fixedrate options.
 Initial interest rate periods of 5 years, 7 years, or 10 years may be matched to each homebuyer’s horizon for their next move.
 Easier to qualify for a larger loan amount and larger purchase price.
 Caps on interest rate adjustments throughout the term limit the amount of payment adjustments after the initial interest rate period.
Combo 100 Program^{4}
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
 Firsttime and repeat homebuyers eligible
FirstTime Homebuyer Program^{5}
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 Program with low down payment options.
 Finance up to $1,089,300
 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^{6}
Sometimes the perfect home doesn’t fit the conventional mortgage. That’s why we have Jumbo First Mortgage Loans. Our Mortgage Loan Officers will work with you step by step through the mortgage process.
 Combine with our second lien to purchase up to $1.5 million with as little as 5% down
 Fixed rate and payments
 Terms to fit your needs
 Only improved residential property in Hawaii accepted as collateral
VA Guaranteed Loans^{7}
Fund a first mortgage under the Veterans Administration guaranteed loan program for up to 100% of the purchase price with no ongoing monthly mortgage insurance premium. Also enjoy additional flexibility with debttoincome ratios and credit history.
 For eligible active duty, retired and reservists
 Minimal funds for closing costs required
Fixed Rate Term 
Rate 
Points 
APR 

Fixed Rate Term 30 year 
Rate 6.500% 
Points 1.875% 
APR 6.956% 
Fixed Rate Term 30 year 
Rate 6.625% 
Points 1.500% 
APR 7.045% 
Fixed Rate Term 15 year 
Rate 6.375% 
Points 1.875% 
APR 7.121% 
Fixed Rate Term 15 year 
Rate 6.500% 
Points 1.625% 
APR 7.206% 
Meet Our Mortgage Team
We’re here to help. Call or book an appointment online with a Mortgage Loan Officer today. You can also call our Member Service Call Center at (808) 5872700 or Tollfree 1 (888) 5861056 and select option “4”.

Ed GanitanoMortgage Loan OfficerAli‘i Branch & Kahului BranchNMLS #: 1690710Book Appointment
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Gail T. KeaoMortgage Loan OfficerEwa Beach Branch & Mililani Mauka BranchNMLS #: 388331Book Appointment
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Wendy KurosawaMortgage Loan OfficerPearlridge Branch & Kapahulu Branch at SafewayNMLS #: 272836Book Appointment
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Cynthia MachidaMortgage Loan OfficerHawaii Kai Branch & Kaneohe BranchNMLS #: 1468404Book Appointment
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Amalia “Amy” MarcosMortgage Loan OfficerKapolei Branch & Kihei Branch at SafewayNMLS #: 457465Book Appointment
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Jerrilyn NireiMortgage Loan OfficerHeadquarters Branch & Salt Lake BranchNMLS #: 318096Book Appointment
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Erin Adaniya PalmerMortgage Loan OfficerKaimuki Branch & Hawaii Kai Branch at SafewayNMLS #: 377720Book Appointment
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Howard BaddoMortgage Loan OfficerHeadquarters BranchNMLS #: 355867
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Vim BalantacNMLS #: 351537
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1. Rates and terms are subject to change or cancellation without notice. Other terms and conditions apply. Speak to a HSFCU representative for more information. Available to Hawaii residents only, and only for property in Hawaii. Free HSFCU membership is required. Contact us for eligibility.
2. Conventional Fixed Rate Mortgages
Payment examples:
For a 15year loan for $100,000 with 5% downpayment at 6.00% interest rate, no points, and an APR of 6.406%, the monthly principal and interest payment is $843.86. The total of all interest payments for 15 years is $51,894.23 and the total of all payments for 15 years $151,894.23. 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 30year loan for $100,000 with 5% downpayment at 6.50% interest rate, no points, and an APR 6.966%, the monthly principal and interest payment is $632.07. The total of all interest payments for 30 years is $127,544.49 and the total of all payments for 30 years is $227,544.49. Payments do not include amounts for taxes and insurance premiums, including property and mortgage insurance premiums. The actual payment obligation will be greater.
3. Adjustable Rate Hybrid Mortgages (ARMs)
For a 5/6 Hybrid ARM, there is an introductory rate for the first 5 years (60 months), during which time the interest rate and payment do not change. Both the interest rate and payment may increase at the end of 60 months even if the index value remains the same or decreases because of the expiration of the introductory rate. Both the interest rate and payment may increase or decrease every 6 months thereafter for the remaining 25 years. The interest rate will be calculated by adding the value of the 30Day Average SOFR index (as published by the Federal Reserve Bank of New York) in effect 45 days prior to your interest rate change date plus a margin of 2.75% and then rounding the sum to the nearest 0.125%, but is limited to the following interest rate caps: on the first interest rate adjustment date, the interest rate may increase or decrease by as much as two percentage points; on each subsequent 6month interest rate adjustment date, the interest rate may increase or decrease by as much as one percentage point; and the interest rate will never exceed your initial interest rate by more than five percentage points. The payment will be recalculated at the time the new interest rate is determined to fully reamortize the remaining balance for the remaining term of your loan.
Payment example:
For $100,000 loan amount with an initial interest rate of 4.00%, no points, a margin of 2.75%, a SOFR index value of 4.559%, and an APR of 6.085%, the monthly principal and interest payment is $477.42 for the first 60 months. On the 61st month, the interest rate would increase to 6.000% and the monthly principal and interest payment would increase to $582.75 for months 61 to 66. On the 67th month, the interest rate would increase to 7.000% and the monthly principal and interest payment would increase to $638.46 for months 67 to 72. On the 73rd month, the interest rate would increase to 7.250% and the monthly principal and interest payment would increase to $652.55 for months 73 to 360. APR calculations and this payment example assume no changes to the index value for the entire term of the loan. The total of all interest payments for 30 years is $123,907.48 and the total of all payments for 30 years $223,907.48. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
For a 7/6 Hybrid ARM, there is an introductory rate for the first 7 years (84 months), during which time the interest rate and payment do not change. Both the interest rate and payment may increase at the end of 72 months even if the index value remains the same or decreases because of the expiration of the introductory rate. Both the interest rate and payment may increase or decrease every 6 months thereafter for the remaining 23 years. The interest rate will be calculated by adding the value of the 30Day Average SOFR index (as published by the Federal Reserve Bank of New York) in effect 45 days prior to your interest rate change date plus a margin of 2.75% and then rounding the sum to the nearest 0.125%, but is limited to the following interest rate caps: on the first interest rate adjustment date, the interest rate may increase or decrease by as much as five percentage points; on each subsequent 6month interest rate adjustment date, the interest rate may increase or decrease by as much as one percentage point; and the interest rate will never exceed your initial interest rate by more than five percentage points. The payment will be recalculated at the time the new interest rate is determined to fully reamortize the remaining balance for the remaining term of your loan.
Payment example:
For $100,000 loan amount with an initial interest rate of 4.250%, no points, a margin of 2.75%, a SOFR index value of 4.559%, and an APR of 5.883%, the monthly principal and interest payment is $491.94 for the first 84 months. On the 85th month, the interest rate would increase to 7.250% and the monthly principal and interest payment would increase to $645.29 for months 85 to 360. APR calculations and this payment example assume no changes to the index value for the entire term of the loan. The total of all interest payments for 30 years is $119,423.01 and the total of all payments for 30 years $219,423.01. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
For a 10/6 Hybrid ARM, there is an introductory rate for the first 10 years (120 months), during which time the interest rate and payment do not change. Both the interest rate and payment may increase at the end of 120 months even if the index value remains the same or decreases because of the expiration of the introductory rate. Both the interest rate and payment may increase or decrease every 6 months thereafter for the remaining 20 years. The interest rate will be calculated by adding the value of the 30Day Average SOFR index (as published by the Federal Reserve Bank of New York) in effect 45 days prior to your interest rate change date plus a margin of 2.75% and then rounding the sum to the nearest 0.125%, but is limited to the following interest rate caps: on the first interest rate adjustment date, the interest rate may increase or decrease by as much as five percentage points; on each subsequent 6month interest rate adjustment date, the interest rate may increase or decrease by as much as one percentage point; and the interest rate will never exceed your initial interest rate by more than five percentage points. The payment will be recalculated at the time the new interest rate is determined to fully reamortize the remaining balance for the remaining term of your loan.
Payment example:
For $100,000 loan amount with an initial interest rate of 4.500%, no points, a margin of 2.75%, a SOFR index value of 4.559%, and an APR of 5.620%, the monthly principal and interest payment is $506.69 for the first 120 months. On the 121st month, the interest rate would increase to 7.250% and the monthly principal and interest payment would increase to $633.01 for months 121 to 360. APR calculations and this payment example assume no changes to the index value for the entire term of the loan. The total of all interest payments for 30 years is $112,724.08 and the total of all payments for 30 years 212,724.08. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
4. Click for Mortgage Combo 100 disclosure
5. FirstTime Homebuyer Program
All borrowers for this firsttime homebuyers program must not have had an ownership interest in real estate in the three previous years to be eligible.
Payment example:
Estimated APR with a purchase price of $100,000 and a loan amount of $97,000 for a 30year term is 7.319% with monthly principal and interest payments of $613.11. The total of all interest payments for 30 years is $120,718.15 and the total of all payments for 30 years is $220,718.15Actual APR will vary based on creditworthiness. APR available as of 3/17/2023 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 wallsin 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 1unit feesimple owneroccupied primary residences.
6. Jumbo First Mortgage Loan
Payment example:
For a 30 year loan for $1,200,000 with 20% downpayment at 6.50% interest rate, no points, and an APR of 6.512%, the monthly principal and interest payment is $7,584.82. The total of all interest payments for 30 years is $1,530,533.86 and the total of all payments for 30 years is $2,730,533.86. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.
7. VA Guaranteed Loans
For a 15year loan for $100,000 with a fully financed VA funding fee and total loan amount of $102,300 at 5.500% interest rate, no points, and an APR of 6.073%, the monthly principal and interest payment is $834.65. The total of all interest payments for 15 years is $48,087.13 and the total of all payments for 15 years $150,237.13. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater. VA funding fee may vary based on your eligibility. APR assumes active duty status with firsttime use of VA entitlement.
For a 30year loan for $100,000 with a fully financed VA funding fee and total loan amount of $102,300 at 6.000% interest rate, no points, and an APR of 6.348%, the monthly principal and interest payment is $612.44. The total of all interest payments for 30 years is $118,328.71 and the total of all payments for 30 years is $220,478.71. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater. VA funding fee may vary based on your eligibility. APR assumes active duty status with firsttime use of VA entitlement.