Hawaii Daily Loan Rates

Our Best In-house Rates are Listed

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

Some refinance transactions may require a higher rate, higher closing costs, or both.

• Annual Percentage Rate (APR)
• All rates are subject to change without notice.
• There are NO prepayment penalties on any loan with MVFCU.

Effective as of August 13, 2018

Hawaii Consumer 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	80%	4.50%	4.699%
15 years b	80%	4.75%	4.891%
20 years c	80%	5.00%	5.143%
30 years d	80%	5.25%	5.335%

Island Home

Loan Term	Maximum Loan to Value	Interest Rate	APR
10 years e	80%	5.00%	5.205%
15 years f	80%	5.50%	5.649%

Owner Occupied Second Mortgage: Single Family Residence

Loan Term	Maximum Loan to Value	Interest Rate	APR
Up to 7 years g	80%	6.75%	7.064%
Up to 15 years h	80%	7.75%	7.925%

Consumer Land: Residential Lot or Small Tracts not for Development

Loan Term	Maximum Loan to Value	Interest Rate	APR
8 years i	70%	6.85%	7.359%
12 years j	70%	7.35%	7.724%

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. There will be additional third party fees.

Notes:

a	Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740. The monthly payment in this example is $1036.38, 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 $100,000 and a minimum credit score of 740. The monthly payment in this example is $777.83, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
c	Assumes a 20% down payment on a loan amount of $100,000 and a minimum credit score of 740. The monthly payment in this example is $646.22, 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 $100,000 and a minimum credit score of 740. The monthly payment in this example is $552.20, 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 $100,000 and a minimum credit score of 740. The monthly payment in this example is $1060.66, 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 $100,000 and a minimum credit score of 740. The monthly payment in this example is $817.08, 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 $763.83, which could change if reserves are held for insurance and/or taxes. Other risk based pricing factors may also affect the payment and APR.
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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