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Real Estate Loans

Don’t make the biggest purchase of your life without the security and expertise of Hawaii State FCU behind you. We offer 15- or 30-year fixed-rate* mortgages as well as adjustable rate mortgages; and we’ll help you choose the mortgage that suits you as well as your new dream home. We can also help you refinance your current home to help make some of your other dreams come true.

 Conventional 1st Mortgage Loans

  • Maximum loan amount is $625,500 for a 1st Mortgage or up to 80% loan to value ratio, whichever is less
  • Only improved residential property in Hawaii accepted as collateral.

 

Adjustable Rate Mortgage (ARM)
Adjustable Rate Mortgages are alternatives to fixed rate 1st mortgages. The interest rate is usually lower at the start of the loan than standard mortgage thus giving you greater purchasing power with lower monthly payments in the early years of ownership. Interest rate caps protect you from big interest rate changes.

  • Maximum loan amount is $625,500 or up to 80% loan to value ratio whichever is less on primary residences only
  • Interest rate cannot increase or decrease more than 2% per adjustment period and increase or decrease more than 6% over the life of the loan
  • Only improved residential property in Hawaii accepted as collateral.

 

Home Equity Line of Credit
A home equity line of credit allows you to put the equity in your home to work improving your life — take a vacation, consolidate debt, even pay for a wedding. Hawaii State FCU offers flexible financing options at affordable rates, with no annual fees. Better still, the interest you pay may be tax deductible. Consult with your tax advisor on deductibility in your situation. With a Home Equity Line of Credit from Hawaii State FCU, you will enjoy:

  • No annual fees
  • 15-year draw period, 15-year repayment period

 

80% Loan-to-Value Home Equity Line of Credit1
(click here for current rates and disclosures)

  • Minimum credit line of $10,000
  • Maximum credit line of the lesser of $250,000 or 80% LTV minus the balance of your existing mortgage

 

95% Loan-to-Value Home Equity Line of Credit1
(click here for current rates and disclosures)

  • Minimum credit line of $10,000
  • Maximum credit line of the lesser of $250,000 or 80% LTV minus the balance of your existing mortgage

 

Investor Home Equity Line of Credit1

  • Minimum credit line of $10,000
  • Maximum credit line of the lesser of $200,000 or 75% LTV minus the balance of your existing mortgage

 

Leasehold Home Equity Line of Credit1

  • Minimum credit line of $10,000
  • Maximum credit line of the lesser of $200,000 or 60% LTV minus the balance of your existing mortgage

 

Home Equity Loan
Much like a home equity line of credit, a home equity loan lets you borrow against the equity in your home. However, the difference is a home equity loan lets you borrow one lump sum up front at a fixed interest rate and repayment is done over a specified term. Use your home equity loan to help finance major home repairs, medical bills or college tuition.

80% Loan-to-Value Home Equity Loan

  • $250,000 or 80% LTV minus the balance of your existing mortgage, whichever is less
  • $10,000 minimum loan
  • 20-year repayment period.

 

95% Loan-to-Value Home Equity Loan

  • $100,000, or 95% LTV minus the balance of your existing mortgage, whichever is less
  • $10,000 minimum loan
  • 20-year repayment period.

 


 

1. Only improved residential property in Hawaii is accepted as collateral.  Property insurance is required.  Membership in the credit union is required.  The credit union waives closing costs for certain third party fees (e.g. real estate evaluation, recordation, documentation, title search, escrow, flood determination), estimated between $900 to $2,500.  The borrower is required to reimburse the credit union if the credit line account is paid off and closed within three (3) years of its opening.  You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $250 to $1,950.

*Payment examples:  A 15-year term loan of $100,000 with a 6.00% APR and no points would have 180 monthly principal and interest payments of $844; a 20-year term loan of $100,000 with a 6.00% APR and no points would have 240 monthly principal and interest payments of $716.  A 30-year term loan of $100,000 with a 6.00% APR and no points would have 360 payments of $600.

Featured Loan Rates
APR as low as *
Personal4.00%
Auto1.99%
Motorcycle3.90%
 
*Click rate for more info. These are the lowest rates available.

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