Meet the team that will help you find the right mortgage at the right rate.

Trust HawaiiUSA Federal Credit Union's Mortgage Loan Officers with your next big step

Ashley Lucas
Ashley Lucas
Jordan Lum
Jordan Lum
Casey Cabacungan
Casey Cabacungan

Frequently asked questions

First-time buyers in Hawaii have several mortgage options. Here are a few to consider:

  1. Conventional Loan: A conventional loan can be a good option if you have a strong credit history and can afford a higher down payment. It offers various terms and may have more flexible guidelines for condos or higher-priced properties.
  2. First-Time Homebuyer Programs: HawaiiUSA has a specific program for first-time buyers, offering low down payment, favorable rates, reduced closing costs, and other benefits. Certain eligibility requirements apply.

How do I take advantage of the First Time HomeBuyer rate discounts from education?

  1. Present a certificate of completion for an approved homeownership education training course.
  2. Set up direct deposit with HawaiiUSA
  3. Set up automatic mortgage payments with HawaiiUSA

When you apply for a mortgage loan, a Mortgage Credit Certificate (MCC) reduces the amount of federal income tax that you need to pay, giving you more available income to qualify and potentially reduce your monthly loan payments.

Mortgage Loan Resources