Special Mortgage Promo – Now Through August! Learn more.

Refinance Your Mortgage

Apply now
New family looking to refinance their home.

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.


Special Promotion – Now Through August!

Receive up to a $500 appraisal credit and a $1,500 credit that may be applied toward closing costs or prepaid fees when you fund a qualifying conventional purchase or refinance first mortgage loan with Hawaii State FCU!*

Applications must be received by August 31, 2021 and loan must be funded by Hawaii State FCU by December 31, 2021 to be eligible.

Meet with a Mortgage Loan Officer
Family unpacking boxes in their new home

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

2.625%

Points

1.625%

APR

2.782%

Fixed Rate Term

30 year

Rate

2.750%

Points

0.750%

APR

2.839%

Fixed Rate Term

30 year

Rate

2.875%

Points

0.125%

APR

2.916%

Fixed Rate Term

30 year

Rate

3.000%

Points

-0.375%

APR

3.002%

Fixed Rate Term

15 year

Rate

2.000%

Points

1.125%

APR

2.215%

Fixed Rate Term

15 year

Rate

2.125%

Points

0.500%

APR

2.252%

Fixed Rate Term

15 year

Rate

2.250%

Points

0.000%

APR

2.306%

Fixed Rate Term

15 year

Rate

2.375%

Points

-0.375%

APR

2.379%

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
  • 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

2.750%

Points

-0.625%

APR

2.912%

Fixed Rate Term

30 year

Rate

2.875%

Points

-1.000%

APR

3.008%

Fixed Rate Term

30 year

Rate

3.000%

Points

-1.250%

APR

3.114%

Fixed Rate Term

30 year

Rate

3.125%

Points

-1.625%

APR

3.210%

Fixed Rate Term

15 year

Rate

3.000%

Points

-1.625%

APR

3.154%

Fixed Rate Term

15 year

Rate

3.125%

Points

-1.625%

APR

3.280%

Fixed Rate Term

15 year

Rate

3.250%

Points

-1.625%

APR

3.405%

Fixed Rate Term

15 year

Rate

3.375%

Points

-1.750%

APR

3.513%

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”.

Ready to Refinance Your Mortgage?

Start your online application

Apply now

Schedule an appointment at one of our branches.

Schedule an Appointment
Disclosures

* Appraisal waiver and credit details: An appraisal for a 1-unit primary residence may be waived if the valuation is accepted under the FNMA or FHLMC automated underwriting system (Desktop Underwriter or Loan Product Advisor). If the valuation is not accepted, an appraisal will be required and the appraisal fee will be waived if the loan is funded. For multi-unit, investment properties and second homes, a $500 credit will be applied towards the cost of the appraisal if the loan is funded. Non-standard fees for expedited appraisals not included and must be paid separately.

Closing cost & prepaid fee credit details: The $1,500 credit may be applied to loan closing costs (including points), settlement agent costs, recording fees, notary fees, loan-related legal fees, title insurance fees, and for certain pre-paid insurance and property taxes collected to establish an escrow impound account. The credit may not be applied to pre-pay insurance and property taxes when an escrow impound account will not be established with HSFCU, nor to pre-pay leasehold lease payments, homeowners association maintenance fees, or planned-unit development fees. For purchase transactions, seller credits, if any, must be applied toward closing costs and prepaids before the $1,500 credit may be applied toward the loan transaction costs. Any amount in excess of actual closing costs and prepaids will not be refunded or credited. The $1,500 credit will only be applied toward closing costs and prepaids on funded loans.

Required upfront application deposit: A $1,000 application deposit is required for 1-unit primary residence and second home transactions. A $1,500 deposit is required for multi-unit (2-4 units) and investment property transactions. The deposit is required before HSFCU will process the loan application. In the event of withdrawn, cancelled or denied applications, the appraisal cost will not be waived and the $1,500 credit will not be applied. Applicants will be responsible for all expenditures incurred by HSFCU. After the application deposit has been applied toward expenses, any excess will be refunded to the applicant.

Eligible transactions: Purchase or Refinance applications that are received between July 1, 2021 and on or before August 31, 2021 are eligible. Loans must fund and record no later than December 31, 2021. Offer may be cancelled prior to August 31, 2021 by HSFCU at any time without advance warning. HSFCU Membership is required; contact HSFCU to see how you may qualify for free membership. All borrowers must be Hawaii residents. This offer is good for in-house Conventional loans only. VA loans are ineligible for this offer. This offer may not be combined with discounts offered under the HSFCU employee loan program.

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.

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, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. 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, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

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

Please remember to log off of Online Banking and Mobile Banking before going to any external website.

Cancel Accept