November 28, 2022 (Click for more info)


Conventional Fixed

Program Rate Points Payment** APR
30 Year Fixed Rate 5.750% 1.750



15 Year Fixed Rate 5.250% 1.500 $803.88 5.673%


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Conventional Adjustable Rate Mortgages (ARMs)

ARM Programs Available, please call for more information



Jumbo Programs Available, please call for more information



Portfolio Loans Available, please call for more information


First-Time Homebuyers

First-Time Homebuyers Loans Available, please call for more information


Initial Fixed-Rate, Interest-Only HELOC Options 1

Initial Fixed Term Initial Fixed Rate (APR***) Current Variable Rate (APR***)
2 year 3.50%**** 6.75%
5 year 4.25%**** 6.75%


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.


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


 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.