Mortgage Loans | HI Fixed Rate Mortgage & Home Loan

5.964% % APR Enjoy predictable payments with a 30 Year Fixed Rate Mortgage. Apply Now

30-year fixed term option

Opt for lower monthly mortgage payments over the full term

15-year fixed term option

Choose a shorter term to pay off your mortgage sooner

Get prequalified

Strengthen any offer on a home by knowing your purchasing potential

Fast, local loan approval and closing

We understand the local Hawaii housing market and want to help you find the right mortgage

Personalized Service

Receive personalized homebuying guidance from our knowledgeable loan officers.

A better home loan and more peace of mind, from HawaiiUSA Federal Credit Union.

Ideal for renters who want to purchase a home or condominium, growing families needing a larger home, and seniors looking to downsize
Home financing for primary residential property

What type of mortgage is best for first-time Hawaii buyers?

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

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.
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 receive discounts on my HawaiiUSA Mortgage?

How do I take advantage of the First Time HomeBuyer discount?

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

Jordan Lum

Casey Cabacungan

Ashley Lucas

July 10, 2023

April 10, 2023

June 23, 2021

We're happy to help you find the home loan that fits your budget and lifestyle.