Homeownership Made Simple

Real Stories. Real Guidance. Real Support.

Your home journey starts here

Whether you’re buying your first home or your next, we’re here to help—with real advice from experts and members like you.

Watch Kai's Story
Get Mortgage Tips
Start Your Application

Kai’s journey: From business owner to homeowner

Local legend and small business owner Kai Sallas shares how he found the perfect home and financing partner.
Discover how HawaiiUSA helped make his dream a reality—with local service, flexible options, and a personal touch.

Explore mortgage options

Your mortgage questions - answered

Our experienced mortgage loan officer breaks down:

How much home you can afford
Fixed vs. adjustable rates
Down payment assistance
What to expect during the loan process

Get pre-qualified

Contact a loan officer

Tools to help you plan with confidence

Rates

Schedule a Mortgage Consultation

Ready to open the door to your new home?

Talk With An Expert

We’ll match you with a local loan officer

Get Pre

Know your budget before you shop

Apply Online

Get started with our quick online application

Find Your Home

We’ll be with you through closing—and beyond

HawaiiUSA Federal Credit Union - Virtual Branch Disclosures

By joining and/or continuing to participate in this virtual session, you acknowledge that you have read, understand and agree to the following:

You will treat HawaiiUSA Federal Credit Union (the “Credit Union”) staff with respect and professionalism throughout the interaction.
Inappropriate, offensive, or abusive behavior (including exposing oneself, engaging in explicit acts, or threatening conduct) is strictly prohibited and may be considered a criminal offense under applicable laws, including potential felony charges and may also serve as grounds to limit your Credit Union services and/or expel you from the Credit Union.
The Credit Union may restrict, limit or revoke your Credit Union services, including your access to Virtual Branch services, and/or expel you from the Credit Union in the event of misconduct or violation of this disclosure or the Credit Union’s Code of Conduct or membership agreement.
This session may be recorded or transcribed for quality assurance, compliance, security and other lawful purposes.
Transcripts and recordings may be reviewed to support training, service improvement, investigation of reported incidents, or for other lawful purposes.
You are responsible for the conduct of any person who joins the session with or on your behalf.
The Credit Union reserves the right to immediately disconnect the video session at any time, without notice.
Not all in-person services are available via the Virtual Branch. Certain services, including, but not limited to cash transactions, wires, notary, and IRA account maintenance may require an in-branch visit.
You understand that technical issues, internet connectivity, or platform disruptions may impact the availability of the Virtual Branch services. The Credit Union does not guarantee uninterrupted access and is not liable for service delays, outages or other issues related to the Virtual Branch session.

Last updated: August 08, 2025

I accept decline