First Mortgage rates as low as 4.00% fixed

for 30 years

(4.041% APR2)

-LIMITED TIME OFFER-

 

Mortgage refinance as low as 4.25% fixed for 30 years

(4.293% APR4)

-LIMITED TIME OFFER-

 

Special Purchase Offer: 4.00% interest rate
Program
Minimum Down Payment
Rate
Points
APR
Principal & Interest
30-Year Fixed
20%
4.00%
0.00
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.

 

Special Refinance Offer: 4.250% interest rate
Program
Rate
Points
APR
Principal & Interest
30-Year Fixed
4.25%
0.00
4.293% 4
$491.94 3
  
3  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 premiums
4  Annual Percentage Rate includes standard closing cost with a FICO score of 740 and may be 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.

July 1, 2022 (Click for more info)

 

Conventional Fixed

Program Rate Points Payment** APR
30 Year Fixed Rate 4.875% 1.625

$529.21

5.127%
15 Year Fixed Rate 4.000% 1.875 $739.69 4.459%

 

Apply now

 

Conventional Adjustable Rate Mortgages (ARMs)

ARM Programs Available, please call for more information

 

Jumbo

Jumbo Programs Available, please call for more information

 

Portfolio

Program Rate* Points Payment** APR
15 Yr. Fixed 2nd 4.500% 0.000 $764.99 4.581%
20 Yr. Fixed 2nd 5.000% 0.000 $659.96 5.067%

 

First-Time Homebuyers

Please call for available rates

 

Initial Fixed-Rate, Interest-Only HELOC Options 1

Initial Fixed Term Initial Fixed Rate (APR***) Current Variable Rate (APR***)
2 year 2.75%**** 4.00%
5 year 3.50%**** 4.00%

 

All rates are based on a 30 day lock for owner-occupant 1st mortgage loans with a 20% down payment. Annual Percentage Rates (APR) are based on loan amounts of $200,000 for conventional. Rates and terms are subject to change or cancellation without notice. Other loan products available. Certain restrictions may apply.

*Max LTV of 80% for 15-year fixed second mortgage to qualify for 4.50%. For LTVs greater than 80%, the 15-year fixed second mortgage rate is 5.25%. Max LTV of 80% for 20-year fixed second mortgage to qualify for 5.00%. For LTVs greater than 80%, the fixed second mortgage rate is 5.75%.

**Payment amounts are based on a loan amount of $100,000. 15-year fixed second mortgage APR based on a minimum of 20% down payment. 180-month principal and interest payment of $764.99 per $100,000 borrowed. 20-year fixed second mortgage APR based on a minimum of 20% down payment. 240-month principal and interest payment of $659.96 per $100,000 borrowed. Maximum loan amount $200,000. Information provided is for informational and comparative purposes only. Interest rates, annual percentage rates, and points are subject to change without prior notice. Monthly payment examples do not include property tax, property insurance, homeowner or maintenance premiums and mortgage insurance; the actual monthly payment will be greater.

*** APR = Annual Percentage Rate

**** An additional .250% rate discount applies to the initial fixed rate for lines in 1st lien position.

SECOND MORTGAGE: 180 month principal and interest payment of $791.04 per $100,000 borrowed. Maximum loan amount $500,000.

 1 HOME EQUITY LINE OF CREDIT (“HELOC”): After the Initial Fixed Term, the annual percentage rate will be based on the value of an index plus a margin.  The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The annual percentage rate may vary on a quarterly basis with a maximum of 18.00% or the maximum permitted by law, whichever is less. You must pay certain fees to open the plan.  These fees generally total between $400.00 and $1,400.00. There is no annual fee or prepayment penalty. You must carry insurance on the property securing the plan.  If the property is located in a Special Flood Hazard area we will require you to obtain flood insurance. HawaiiUSA Membership is required.