Hawaii Loan Rates

Loan Rates

Our Best Rates are Listed

We have many options for financing or refinancing primary residences or second homes. Our mortgage loans cover single-family homes, condominiums, duplex, tri-plex and four-plex properties.

Effective as of November 7, 2018

Hawaii Residential Real Estate Loan Rates

For more information please call: (907) 745-9165

Owner Occupied First Mortgage: Single Family Residence

Loan Term Maximum Loan
to Value
Interest Rate APR
10 years a 95% 4.625% 5.286%
15 years b 95% 4.625% 5.086%
20 years c 95% 4.875% 5.241%
30 years d 95% 5.125% 5.399%

Island Home

Loan Term Maximum Loan
to Value
Interest Rate APR
10 years e 80% 5.000% 5.898%
15 years f 80% 5.500% 6.141%

Owner Occupied Second Mortgage: Single Family Residence

Loan Term Maximum Loan
to Value
Interest Rate APR
Up to 7 years g 80% 6.750% 6.995%
Up to 15 years h 80% 7.750% 7.913%

Residential Land: Residential Lot or Small Tracts not for Development

Loan Term Maximum Loan
to Value
Interest Rate APR
8 years i 70% 6.850% 7.274%
12 years j 70% 7.350% 7.663%

Home Equity Line First Mortgage

Maximum Loan amount $500,000, No Loan Origination Fee. Current Prime Rate: 5.00%

Loan Term Maximum Loan
to Value
Base
Interest Rate
Rate Floor Rate Ceiling
7 year draw 80% Prime + 0.25% 5.00% 15.00%

Home Equity Line Second Mortgage

Maximum Loan amount $300,000, No Loan Origination Fee. Current Prime Rate: 5.00%

Loan Term Maximum Loan
to Value
Base
Interest Rate
Rate Floor Rate Ceiling
7 year draw 80% Prime + 0.75% 5.00% 15.00%

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Interest Rates are subject to change without notice and may vary based on your credit history, loan amount and/or property type. Actual APR on some loans may be higher based on loan amount and terms selected.

Notes:

MVFCU NMLS#418470

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