Finding a mortgage in Hawaii shouldn't be like guessing on a multiple-choice quiz. Success doesn't happen alone. Our team takes the time to learn about your unique needs and answer your questions. We will help you determine what you can afford and find a financing option that's right for you. 

As an HSTA member1, you’re also eligible for special benefits including:

  • As low as 3% down payment with mortgage insurance 
  • Reduced origination costs, closing costs, and monthly payments2 
    • Closing cost credit of 1% of the loan amount
  • One-time free interest rate float down
  • Flexible qualifying ratios and income limits
  • Minimum cash reserves of 2-months' Principal, Interest, Taxes, and Insurance 
  • Available to owner-occupants
  • First-time homebuyer options available3 
1 The HSTA Mortgage Program is available to active members of HSTA only. Applicants must present their most recent paystub reflecting payment of membership dues to verify membership. This offer cannot be combined with any other offers and is subject to HawaiiUSA’s loan terms and conditions. HawaiiUSA membership guidelines may also apply.
2 Waiver of all costs is dependent on satisfying qualification conditions: 1) successful completion of Homebuyer Education Program from Hawaii Homeowner Center (HHOC), Framework Homeownership, or an HUD-approved agency; 2) enrollment in automatic Mortgage payments; and 3) enrollment in direct deposit from at least one (1) borrower.
3 Borrower may not have an ownership interest in any other residential property within or outside State of Hawaii within the last three (3) years.


See how Crystal, a public school teacher, realized her dream of becoming a homeowner in Hawaii.


What will my monthly mortgage payment be? 


Use our mortgage calculators to help you to choose wisely with your financial decisions when conducting research.

All calculators and tools are supplied as a courtesy only. HawaiiUSA Federal Credit Union is not responsible for the accuracy or completeness of information that you provide or information generated by the calculators. Please check your records carefully before inputting your information into the calculators or tools. All projected rates and results are estimates, are examples only, and are necessarily hypothetical in nature. No results are guaranteed. The output of the tools and calculators may vary with each use and over time. Please remember that the calculators and tools are not intended to replace the advice of qualified professionals, and you should consult with a qualified professional of your choice whenever specific advice is necessary or appropriate.


Saving up for a down payment - it's possible! 

With the HSTA Mortgage Program, a down payment on your dream home becomes that much closer to reality. Other lenders’ mortgage programs require 10-20% down payment.


Lower fees mean big savings 

The HSTA Mortgage Program’s reduced origination and closing costs means more savings for you. 


Not sure how to start?

You're not alone on this homebuyer journey. We can help! 

Contact us


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