"Very professional and very considerate. I really appreciate HFS FCU!"
- Benjamin
A loan that a lender gives you to help finance the purchase of your new home. Your home acts as collateral for the money you’re borrowing.
Rates as low as 6.00% APR*
Homeowners Insurance: 100
Mortgage Insurance: 167
Why get your 1st Mortgage from HFS?
Purchasing your first home is exciting; now financing it is too! We will save you money with our competitive rates, and you’ll rest easy with terms that fit your needs.
Low closing costs
No prepayment penalties
Competitive fixed interest rates
Terms up to 30 years
Borrow up to 80% of the home’s appraised value
HFS has always been there for my 'ohana, from our keiki's accounts to buying a home! Amazing customer service!
Additional info
Get one-on-one help today by contacting the Credit Union and asking for a Loan Officer.
Questions?
Drop us a message anytime with your questions about 1st Mortgages, or schedule an appointment with a loan officer.
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SAFE Act Information
On July 28, 2010 the Nation Credit Union Administration (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLOs to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Upon completing this registration, each MLO is provided with a Unique Identifier number from the NMLS. An MLO must provide this Unique Identifier number to each mortgage loan applicant upon request and prior to the employee acting as an MLO.Subject to credit approval. Rate may vary based on individual creditworthiness and loan term.
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account.Rates:
Member will be responsible for all expenses incurred to secure the loan. This includes an initial deposit of $800.00 to defray expenses for:
- Appraisal fee(s)
- Residential Mortgage Credit Report(s)
- Inspection fee(s)
- Flood Certification fee(s)
- Other incidental expenses that may be incurred to secure the loan
Note: Member will pay before final closing any outstanding expenses exceeding the $800.00 deposit. Any balance of the $800.00 can be applied to escrow costs.
Advanced Options
Property Tax Rate
The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.
Homeowners Insurance (Monthly)
The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.
HOA Fees (Monthly)
These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.
Private Mortgage Insurance Rate
The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.
Disclosure
This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.
Rates
| Term | Interest Rate | APR | Monthly Principal and Interest Payment |
|---|---|---|---|
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Up to 180 Months |
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Up to 360 Months |
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Rates effective as of: December 22, 2024
Disclosures
Subject to credit approval. Rate may vary based on loan term.
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account.
Additional Info
Member will be responsible for all expenses incurred to secure the loan. This includes an initial deposit of $800.00 to defray expenses for:
- Appraisal fee(s)
- Residential Mortgage Credit Report(s)
- Inspection fee(s)
- Flood Certification fee(s)
- Other incidental expenses that may be incurred to secure the loan
Note: Member will pay before final closing any outstanding expenses exceeding the $800.00 deposit. Any balance of the $800.00 can be applied to escrow costs.
Apply for a 1st Mortgage
Aloha and thank you for thinking of HFS Federal Credit union. We’d love to help you with a 1st Mortgage! Download the mortgage packet or contact us to schedule an appointment with a loan officer at your nearest HFS branch.
Open Account
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