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Lower Your Interest Rate

If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.

Why should I lower my rate?
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Shorten Your Loan Term

Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.

Why should I shorten my term?
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Leverage Your Home's Equity

Take cash out of your home to apply to improvements, renovations, or other necessary expenses.

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Hawaii Mortgage Rates

With beautiful weather, the best surfing in the country, and a nearly endless amount of outdoor activities to explore, nothing compares to living in Hawaii. If you are considering relocating to the Aloha State, there is no time like the present!

Of course, before you pack up your life and head for the islands, it helps to know what you are getting into, and one of the significant factors to consider is the type of interest rate you can expect to get on a home purchase in Hawaii.

Common Hawaii Loan Types:

  • Hawaii conventional mortgages: Hawaii mortgage requirements and rates vary based on the area you live in, or want to live in, and your financial situation. Compare mortgage rates on to find the option that's right for you.
  • Hawaii FHA loans: Home loans backed by the FHA are offered throughout the U.S. The FHA doesn't offer loans directly, you can find one through an FHA-approved lender in Hawaii on today. FHA loans are typically offered to first-time homebuyers. FHA loans are designed for low- to moderate-income borrowers with lower credit scores.
  • Hawaii VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in Hawaii through VA loans require no down payment and typically have lower interest rates than conventional mortgages.

Hawaii Mortgage Rates Compared to National Averages

Mortgage rates in Hawaii tend to come in right around the national averages, but that is typically about the only thing about the cost of buying a home or living in Hawaii that falls around the national average.

Because of its reputation as an island paradise, home prices in Hawaii tend to be higher compared to other parts of the country. The cost of living is also higher due to the difficulty of getting goods shipped to the islands.

First-time homebuyers can find a tremendous amount of resources to assist them throughout the home buying process in Hawaii. The Hawaii Housing Finance & Development Corporation (HHFDC) and the Hawaii Homeownership Center (HHOC) combine to offer an entire suite of assistance for anyone looking to purchase their first home in Hawaii.