Refinance Your Mortgage

All rates are effective December 7th, 2023. Updated at 8:35 AM HST. These rates are market indicators, and they are subject to change throughout the day.

Annual Percentage Rate = APR

All Interest rates are based on 45-day lock for owner-occupant 1st mortgage purchase 0% down payment or equity and the highest credit score tier available except where otherwise noted. Additional risk-based loan-level price adjustments may increase points for other transaction types and credit score tiers. When negative points are shown, these may be used to offset loan-level price adjustments and to reduce other closing costs. APR’s are calculated using a base loan amount of $200,000 and assume active duty status with first time use of V.A. entitlement. Rates and terms are subject to change or cancellation without notice. Certain restrictions apply. Must be a Hawaii resident.

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

If you have any questions please email: [email protected]

** VA funding fee may vary based on your eligibility.