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Overview
UH Employee Homebuyer Program
Exclusively for UH System Employees
When you are part of the University of Hawai‘i System, buying a home should come with a little extra aloha. Our UH Employee Homebuyer Program rewards our UH ohana with a rate advantage and flexible ways to get in the door, so you can stop renting and start building your future right here at home.
A Smarter Mortgage for UH Employees
- 0.25% OFF* your mortgage rate
- As little as 3% down
- Up to 1% closing cost credit for qualifying first-time homebuyers
First-Time Homebuyer Loan Promo
For a limited time, First-Time Homebuyers can receive up to
Online Application Center
1.00 POINT OFF1
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Rates
Mortgage Rates
(Before 0.25% Rate Discount)Mortgage Product Term Rate Type Points Rate APR* 1st Mortgage
30 Year Fixed 2.00 6.500% 6.757% Apply Now 20 Year Fixed 2.00 6.375% 6.710% Apply Now 15 Year Fixed 2.00 6.000% 6.411% Apply Now 15/15 ARM Adjustable 2.00 6.125% 6.395% Apply Now 5/5 ARM Adjustable 2.00 5.625% 6.699% Apply Now 5/1 ARM Adjustable 2.00 5.625% 6.847% Apply Now Rates are accurate as of 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
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Who qualifies for the UH Employee Homebuyer Program?
Any borrower who is currently employed at the University of Hawai‘i or within the Universityof Hawai‘i System. The UH employee must be a borrower on the loan.
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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.
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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.
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Who qualifies for the UH Employee Homebuyer Program?
*Membership eligibility required. UH Employee Homebuyer Program is available only to borrowers currently employed by the University ofHawai‘i or the University of Hawai‘i System, and the UH employee must be a borrower on the loan. All loans subject to credit approval and program guidelines. The interestrate reduction, down payment options, and promotional HELOC terms are subject to change without notice and are not a commitment to lend. Mortgage insurance maybe required depending on the loan program and down payment. Contact UHFCU for current rates, terms, and full program details. Federally insured by NCUA. EqualHousing Lender.
First-Time Homebuyer 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.
