November 28, 2022 (Click for more info)

 

Conventional Fixed

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

$583.57

6.031%

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

Jumbo Programs Available, please call for more information

 

Portfolio

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.