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Real Estate Loan Rates

Take a look at our current rates and terms effective Friday, February 3, 2012 subject to change without notice.

Other mortgage products and rates available.
• To speak with a loan officer directly, click here.
• Or call us at (808) 522-2000 or toll-free at 1-800-648-7136.

Below is a brief sample of our most popular rates and products.
For a full listing of rates and programs available, click here.

 


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FIXED RATE MORTGAGES

Loan Term
Call for Price Adjustments
Maximum Loan to Value
  
Interest Rate Points APR Purchase No Cash out Refinance Cash out Refinance Principal & Interest Monthly Payments based on a $100,000 loan amount
30 Years
 3.375% 2.375% 3.65% 95% 90% 80% $442.10
30 Years
 3.750% 0.000% 3.82% 95% 90% 80% $463.12
15 Years
2.750% 1.375% 3.07% 95% 90% 80% $678.62
15 Years
 3.000% 0.125% 3.14% 95% 90% 80% $690.58

The payments do not include amounts for taxes and insurance premiums; actual payment obligation will be greater. Maximum loan amount is $625,500; other rates and terms available for higher loan amounts and investors. Must be secured by residential real property located in Hawaii.

Contact our Guam Loan Center for Guam rates and terms.


E-Z HOME EQUITY CREDIT LINES*
Click on a product below for more information

Loan Type

      
Introductory Rate
Fixed for Two Years		 Current Variable Rate
3.250% APR 4.250% APR
3.500% APR 4.500% APR

*The rates shown above are subject to change without notice. The line of credit has a variable rate feature, and the corresponding annual percentage rate (APR) and monthly payments may vary as a result.

For a line of credit secured by owner-occupied residential property, the 3.250% APR introductory rate is fixed for the first two years and it will be adjusted thereafter based on the published Wall Street Journal prime rate plus a margin. While the rate may vary after the introductory rate period, it will never be less than the current variable rate which is 4.250%, and the maximum APR will not exceed 19%.

For a line of credit secured by investor residential property, the 3.500% APR introductory rate is fixed for the first two years and it will be adjusted thereafter based on the published Wall Street Journal prime rate plus a margin. While the rate may vary after the introductory rate period, it will never be less than the current variable rate which is 4.500%, and the maximum APR will not exceed 19%.

Two-year introductory rate special is available to new E-Z Home Equity Line of Credit customers only. Refinances of existing Finance Factors Home Equity Lines of Credit are not eligible. Discounted rate not available to anyone with any Finance Factors Home Equity Line of Credit that is open on 12/28/11 and/or when paying down or paying off any existing Finance Factors Home Equity Line of Credit or residential mortgage loan balance. Other rates and terms are available for lines over $250,000.

Minimum $10,000 loan amount. Finance Factors will waive underwriting and processing fees.

Line of credit must be secured by fee-simple residential property located in Hawaii. Property owner's and hurricane insurance are required at property owner's expense. Flood insurance is also required if the property is located in a flood zone.  Other terms and restrictions may apply.

Contact our Guam Loan Center for Guam rates and terms.

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