30-year fixed term option

Opt for lower monthly 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 market and want to help you find the right mortgage

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

Our competitively low rates can get you more house for the same mortgage payment

  • Ideal for renters who want to purchase a home or condominium, growing families needing a larger home, and seniors looking to downsize
  • Financing for primary residential property
  • Fully amortized over the life of the loan
  • Budget confidently with a fixed rate for stable monthly payments
  • No prepayment penalty

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

Come home to better mortgage

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