Mortgage rates as low as 4.00% fixed for 30 years

(4.041% APR2)



Special Purchase Offer: 4.00% interest rate
Minimum Down Payment
Principal & Interest
30-Year Fixed
4.041% 2
$477.42 1
Per $100,000.00 financed. Monthly payment does not include mortgage insurance, taxes and other property insurance. Your actual payment obligation will be greater considering taxes and insurance
Annual Percentage Rate includes standard closing cost with a FICO score of 740 and may change subject to other Loan Level Pricing Adjustments (LLPAs) such as Loan to Value and subject property.
Offer is valid from 05/01/2022 to 07/31/2022 and must fund by 09/30/2022. Subject property must be Primary Residence and borrower must qualify for membership and establish automatic payments from a HawaiiUSA Federal Credit Union (HawaiiUSA FCU) personal share draft account.
Certain terms and conditions may apply and are subject to change without notice. Applicant(s) is/are subject to loan qualification, underwriting guidelines, and credit policy of HawaiiUSA FCU. For more information, contact a HawaiiUSA FCU Mortgage Loan Officer.


Low  Rate



0 Points



Low Fees





Steps to buying a home

Step 1: Know how much home you can afford

How much debt do you have? What is your current budget?

Step 2: Evaluate your credit score and history

Ensure it’s accurate and know what factors impact it

Step 3: Gather required documents

These include tax returns, pay stubs/W-2/proof of income, bank statements, gift letters (if applicable), identification, and rental history

Step 4: Pre-qualify

The lender looks into your situation—debt, income, and available assets—and gives you an idea of the amount you will qualify for

Step 5: House-hunting

The fun part! Consider location and type of property—house, condominium, apartment, etc.

Step 6: Make an offer

Keep in mind that an offer is a law-binding contract between you and the seller. Be sure to hold all negotiations and contingency discussions prior to making your offer.

Step 7: Close

Once all negotiations, inspections, and the mortgage application have been completed, closing on your home can begin.

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