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.

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

Apply Now

Click here to learn more about VA Home Loans >>

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”.

Ready to Refinance Your Mortgage?

Start your online application

Apply now

Schedule an appointment at one of our branches.

Schedule an Appointment
Disclosures

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