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Buy a Home

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Couple looking to buy their first home.

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

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%

First Mortgage Purchase Promotion

Receive 0.25% points off the points listed when you obtain a mortgage with Hawaii State FCU1

Headline: Right when you walk through the door. Image keys in a door.

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 $679,650 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

Apply Now

Combo 100 Program3

Looking at a home priced beyond the $625,500 limit? 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

Apply Now

Click here for disclosure

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 $679,650
  • No household income cap
  • 3% minimum down payment
  • Gift funds from eligible sources may be used for all down and closing costs

Apply Now

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.

  • Finance up to $1.5 million or up to 80% loan-to-value ratio, whichever is less
  • Fixed rate and payments
  • Terms to fit your needs
  • Option to make double payments
  • Only improved residential property in Hawaii accepted as collateral

Apply Now

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 $721,050 for one-unit Oahu properties
  • 100% financing up to $657,800 for one-unit Maui properties
  • Minimal funds for closing costs required

Apply Now

Click here to learn more about VA Home Loans >>

Fixed Rate Term

Rate

Points

APR

Fixed Rate Term

30 year

Rate

4.000%

Points

2.000%

APR

4.403%

Fixed Rate Term

30 year

Rate

4.250%

Points

1.250%

APR

4.591%

Fixed Rate Term

30 year

Rate

4.500%

Points

0.000%

APR

4.743%

Fixed Rate Term

30 year

Rate

4.625%

Points

-0.375%

APR

4.828%

Fixed Rate Term

15 year

Rate

3.625%

Points

2.625%

APR

4.432%

Fixed Rate Term

15 year

Rate

3.750%

Points

1.875%

APR

4.442%

Fixed Rate Term

15 year

Rate

3.875%

Points

1.500%

APR

4.511%

Fixed Rate Term

15 year

Rate

4.000%

Points

1.125%

APR

4.579%

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.

Ready to apply for your Home Loan?

Stop by one of our branches

Find a nearby location

Start your online application

Apply now

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.

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Disclosures

1. Purchase promotion of 0.25% reduction to total points available for all first mortgage products and occupancy types for loans funded in-house by Hawaii State FCU on 1-4 family residential properties in the state of Hawaii only. Reduce APR by 0.021 percentage points for 30 years and 0.038% points for 15 years.

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 funding fee and total loan amount of $102,150 at 4.000% interest rate, no points, and an APR of 4.496%, the monthly principal and interest payment is $756. The total of all interest payments for 15 years is $33,856 and the total of all payments for 15 years $133,856. 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 funding fee and total loan amount of $102,150 at 4.500% interest rate, no points, and an APR 4.787%, the monthly principal and interest payment is $518. The total of all interest payments for 30 years is $84,178 and the total of all payments for 30 years is $184,178. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

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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. 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.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

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