“Investing in something as important as a home can be stressful. I felt extremely anxious and uneasy about every financial decision I was making. Debt consumed me from every direction, and I needed a lot of guidance and support to start on the right path.

With the help of my awesome realtor and HawaiiUSA’s HSTA Mortgage program, I was able to get rid of my debt and make financial calculations to see what I could afford for my first home purchase. HawaiiUSA’s HSTA Mortgage program really helped me. Without it, I would not have been able to afford the new home I live in now.

After signing my closing documents with my HawaiiUSA lending officer, I felt a sense of relief. I felt confident in my financial decisions and grateful for the support provided to me by HawaiiUSA and their HSTA Mortgage program.”


Do you share Crystal’s dream of buying a home? Start here.



Get the Essential Guide to Owning Your 1st Home in Hawaii

Download now



How much home can you afford?

Use this Mortgage Calculator to see what your home payment might look like





Learn at your own pace

Check out these bite-sized learning modules:


Considering Home Ownership

What is the true cost of owning a home? How much is too much debt?


Investment Property

Explore the world of property investment to see if it is right for you.



Learn how to work with a lender you trust and find a mortgage that fits your needs and budget.


Should I Refinance My Mortgage

When is a good time to refinance? When is it a bad idea?

You may also be interested in:

Money-smart student


Small business


Conquering debt