*The Annual Percentage Rate (APR) with 1.875 points is based on a 30-day lock for an owner-occupied single family dwelling or condo, borrowers possessing a credit score of 660 or higher, and subject to the current maximum conforming loan limits for properties in Hawaii (see federal conforming loan limits below). A 30-year fixed rate mortgage loan at 5.500% simple interest will have 360 monthly principal and interest payments of $567.79 per $100,000.00 borrowed. Payment (principal and interest) does not include property taxes or insurance, so actual payments will be greater. Maximum loan amount is $1,500,000.00 for an owner-occupied single-family dwelling or condo. Rate and points may vary depending on credit history/score, loan-to-value, loan amount, and owner-occupied status. Subject to credit approval and satisfaction of all eligibility requirements. Full income documentation is required. Real property must be fee-simple and located in the State of Hawaii. There is no prepayment penalty. Certain restrictions and fees may apply. Rates and terms are subject to change without notice. Other rates and terms available. Lōkahi FCU membership required. Offer effective 7/1/2025 thru 7/31/2025.
General Conforming Loan Limits for Hawaii: 1 Unit: $1,209,750 - 2 Units: $1,548,975 - 3 Units: $1,872,225 - 4 Units: $2,236,875
Consumer Financial Protection Bureau's "Your Home Loan Toolkit"
Call us, stop by one of our branches, or apply for a loan online, and we'll help you determine the best home loan product to meet your needs. NMLS# 421418.
* For fee simple properties located in the State of Hawaii.
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