Refinance Your Mortgage
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Refinancing your home loan is quick and easy when you’re a member of Hawaii State FCU. Let’s refinance your mortgage today.
Affordable Monthly Payments
Enjoy lower monthly payments with a lower rate and better 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.
Ready to Refinance Your Mortgage and need assistance?
Schedule an appointment online with one of our mortgage loan officers.
Fixed Rate Term |
Rate |
Points |
APR |
---|---|---|---|
Fixed Rate Term 30 year |
Rate 6.500% |
Points 1.625% |
APR 6.718% |
Fixed Rate Term 30 year |
Rate 7.000% |
Points 0.250% |
APR 7.085% |
Fixed Rate Term 15 year |
Rate 6.000% |
Points 1.750% |
APR 6.373% |
Fixed Rate Term 15 year |
Rate 6.875% |
Points 0.125% |
APR 6.992% |
Calculators to help you save and spend smart
Mortgage Loan Options
Cash Out Refinance
A cash-out refinance replaces your existing mortgage loan with a new loan for more than you owe on your house by using the equity you’ve built up in your home. The difference goes to you in cash and you can spend it on home improvements, debt consolidation or just about any other financial need.
Shorten Loan Term
Refinance your mortgage to a shorter term to help pay off your loan faster. If you have a 30-year mortgage loan and refinance into a 15-year fixed rate loan you could pay off your mortgage faster and save money on interest over the life of the loan.
VA Guaranteed Loans
Fund a first mortgage under the Veterans Administration guaranteed loan program1 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
- Minimal funds for closing costs required
Fixed Rate Term |
Rate |
Points |
APR |
---|---|---|---|
Fixed Rate Term 30 year |
Rate 5.875% |
Points 2.000% |
APR 6.326% |
Fixed Rate Term 30 year |
Rate 6.000% |
Points 1.625% |
APR 6.417% |
Fixed Rate Term 15 year |
Rate 5.875% |
Points 1.750% |
APR 6.589% |
Fixed Rate Term 15 year |
Rate 6.000% |
Points 1.500% |
APR 6.675% |
Meet Your Refinance Experts
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) 587-2700 or Toll-free 1 (888) 586-1056 and select option “4”.
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Ed GanitanoMortgage Loan OfficerAli‘i Branch & Kahului BranchNMLS #: 1690710Book Appointment
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Gail T. KeaoMortgage Loan OfficerEwa Beach Branch & Mililani Mauka BranchNMLS #: 388331
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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
APPLY NOW -
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
APPLY NOW -
Howard BaddoMortgage Loan OfficerHeadquarters BranchNMLS #: 355867
APPLY NOW -
Vim BalantacNMLS #: 351537
Ready to Refinance Your Mortgage?
Start your online application
Schedule an appointment at one of our branches.
Contact us
1. 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.