Mortgage Refinance | HI Credit Union Refinance Rates

Leverage stronger credit

If your credit has improved, a mortgage refi can mean better rates and lower payments

Lower monthly payments mean more money elsewhere

Pay off other debt, fund your emergency savings, or start new home improvement projects

Become mortgage-free sooner

Refi to a 15-year term and pay off your mortgage loan earlier

Budget confidently with fixed rates

Lock in a rate for a 15-year or 30-year mortgage refinance for stable monthly payments

Refinancing your mortgage with HawaiiUSA Federal Credit Union could save you money.

Pay off other debt, fund your emergency savings, or finance home improvement projects
Build equity faster by refinancing to a shorter-term home loan
Available for primary residential properties only
Fast, local decision-making and loan closings

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