Skip nav to main content.
1st Mortgages

"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 6.55% APR*

Monthly Payment
Property Tax: 167
Homeowners Insurance: 100
HOA Fee: 0
Mortgage Insurance: 167
Advanced Options

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!

— Stephanie

Additional info


Get one-on-one help today by contacting the Credit Union and asking for a Loan Officer.

View a list of our Mortgage Loan Originators.

Download the Mortgage Packet to get started.

Frequently Asked Questions

  • Yes, this is a requirement for all HFS Mortgages.

  • Yes, borrowers must have their own account with HFS where they are the primary account holder. For example, a joint member will need to open their own account so they are the primary member.

  • Due to the nature of Trust Accounts, these loans need to be reviewed by legal counsel. Please note that these loans have a lengthier processing time.


Drop us a message anytime with your questions about 1st Mortgages, or schedule an appointment with a loan officer.

  • 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.



    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.

Fraudulent Text Messages claiming to be from HFS are being sent. If you received a text and are unsure of its legitimacy, please contact the credit union.