• Overview

    Mortgages from UHFCU

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    Dreaming about the benefits of homeownership? We offer some of the most flexible terms in the islands with fixed 15-, 20-, even 30-year loans. We’re happy to work with you to find the best fit for your savings and budget. So don’t let the cost of paradise scare you. Let us help you make your dream a reality!

    • Conventional Loans

      UHFCU offers both Fixed and Adjustable Conventional financing options. With as little as 3% down payment, you can take advantage of our competitive rates and flexible underwriting guidelines. Refinance options also available.

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    • First-Time Homebuyer Programs

      Combined with our Conventional Loans, these loan programs are designed to help our community of low to moderate income earners who are also First-Time Homebuyers achieve the dream of homeownership. UHFCU is proud to be able to offer down payment assistance, federal tax credits or both to eligible first-time homebuyers.

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    • Investor Loans

      If you’re interested in financing a property other than your Primary Residence or Second Home, UHFCU has special loan programs available to investors. Our investor loan programs offer competitive rates to help you improve cashflow and get a better return on investment.

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    • FHA, VA, and USDA Loans

      Mortgage loan programs that are insured by an agency of the Federal Government and offer little to no down payment options for borrowers.

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    • Jumbo and Specialty Loans

      “Jumbo” loans have a loan amount which exceeds the standard loan limits set annually by the agencies. Often times, these loans will have higher interest rates and be more restrictive in terms of qualifying. Specialty loans include land loans, construction loans, renovation loans, etc. Please contact us at (808) 983-5500 to inquire about these specialty loan products.

    First-Time Homebuyer Loan Promo

    For a limited time, First-Time Homebuyers can receive up to
    1.00 POINT OFF1
    your purchase transaction

    Online Application Center

    Always very professional and courteous. Going the extra mile and helping out in a caring way.

    - UHFCU Member
  • Rates

    Mortgage Rates

    Mortgage Product Term Rate Type Points Rate APR*

    1st Mortgage

    		 5/5 ARM Adjustable 2.00 5.250% 6.088% Apply Now
    15/15 ARM Adjustable 2.00 5.375% 5.599% Apply Now
    30 Year Fixed 1.75 5.500% 5.701% Apply Now
    20 Year Fixed 2.00 5.375% 5.676% Apply Now
    15 Year Fixed 2.00 5.250% 5.629% Apply Now
    5/1 ARM Adjustable 2.00 5.250% 6.613% Apply Now

    Rates are accurate as of 12/3/2024 and subject to change without prior notice. Examples based on loan amount up to $970,800. If you have any questions or need current rate information, please contact us. NMLS #421550.
    * APR = Annual Percentage Rate

  • Calculator

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  • FAQ

    FAQs

    • Why should I choose University of Hawaii FCU for my Home Loan?

      University of Hawaii FCU has a wide range of loan programs that are competitively priced. Using the latest technology, we have made the borrowing process simple and convenient. As a direct lender, we can offer you a competitive rate and eliminate fees associated with a loan arranged through a broker. Our commitment is to provide top quality service.

    • What is the difference between a fixed rate and adjustable rate mortgage?

      A fixed rate mortgage provides a rate of interest that remains the same for the life of the loan. An adjustable (or variable) rate mortgage (ARM) has an interest rate that adjusts periodically on the basis of changes in a specified financial index. Typically, adjustable rate mortgages start out at somewhat lower rates than fixed rate mortgages. They can fluctuate up, raising the monthly payment, or down, lowering the monthly payment, depending on the activity of the index to which they are tied. Our loan consultants can discuss the advantages of both types of mortgages to help you decide which product is best for you.

    • Does my home need to be owner-occupied to qualify?

      No. The property may be owner occupied, 2nd home, or an investment property.  Certain restrictions may apply depending on the type of occupancy, so please speak with one of our experienced loan consultants for more details.

NMLS #421550.

* Annual Percentage Rate (APR). Owner occupant properties only. Rates are accurate as of 12/3/2024 and subject to change without prior notice. Examples based on loan amount up to $970,800. If you have any questions or need current rate information, please contact us.

First-Time Homebuyer Loan Promo

1) Promotion applies to discount points paid for qualified First-Time Homebuyer purchase transactions. May not be used towards down payment or other closing costs. May not be combined with any other offers. Certain restrictions apply. UHFCU reserves the right to modify or cancel this promotion at any time.

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