Dreamality: First-Time Home Buyers

Your first mortgage is an exciting investment that should fit your lifestyle and provide financial and emotional security.

Treat yourself to a seamless buying experience by choosing the right mortgage with great first time buyer benefits. HawaiiUSA's First-Time Home Loan may be an exceptional solution for you. Your experienced Mortgage Loan Officer will help navigate financing options to secure the right loan for your needs.

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  • Designed for Owner Occupants
  • As low as 3% down payment with Mortgage Insurance
  • Up to 95% financing without Mortgage Insurance1
  • No loan origination fees2

dreamality Home Loan

  • Get your APPLICATION
  • For assistance completing your Mortgage Application, call (808) 534.4300 or toll-free (800) 379.1300, or click here to email our Help Desk.


1 Includes 15% secondary financing with Hawaii HomeOwnership Center's "Downpayment Assistance Loan Program". Restrictions and qualifications apply.
2 Additional requirements needed to qualify include successful completion of Hawaii HomeOwnership Center's "First Time Home Buyer Program", direct deposit, and automatic loan payment set-up.

Contact Us

Oahu: (808) 534.4300
Toll-Free: (800) 379.1300

HawaiiUSA FCU For more information, call HawaiiUSA FCU at (808) 534.4300 or toll-free (800) 379.1300, click or visit one of our branches.
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