Hawaii 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.

• Annual Percentage Rate (APR)
• $0 Origination Fee on all in house Loans
• All rates are subject to change without notice.
• There are NO prepayment penalties on any loan with MVFCU.

Effective as of December 12, 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%	4.500%	5.158%
15 years b	95%	4.375%	4.831%
20 years c	95%	4.625%	4.987%
30 years d	95%	4.875%	5.144%

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: 5.25%

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: 5.25%

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:

a	Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740. The monthly payment in this example is $2,072.77, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
b	Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740. The monthly payment in this example is $1,517.24, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
c	Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740. The monthly payment in this example is $1,278.83, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
d	Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740. The monthly payment in this example is $1,058.42, which could change if reserves are held for insurance and /or taxes. Other risk based pricing factors may also affect the payment and APR.
e	Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740. The monthly payment in this example is $2,121.31, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
f	Assumes a 20% down payment on a loan amount of $200,000 and a minimum credit score of 740. The monthly payment in this example is $1,634.17, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
g	Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $748.54, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
h	Assumes a 20% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $470.64, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
i	Assumes a 30% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $677.96, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
j	Assumes a 30% down payment on a loan amount of $50,000 and a minimum credit score of 740. The monthly payment in this example is $523.57, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.

MVFCU NMLS#418470

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