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Real Estate Loan Rates for Owner Occupants

Take a look at our current rates and terms effective Thursday, July 2, 2009 subject to change without notice.

•Fixed Rate Mortgages
•Adjustable Rate Mortgages
•Home Equity Credit Lines
•Interim Bridge Loans

 


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FIXED RATE MORTGAGES For Owner-Occupants

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 Payment1
30 Years
5.000%
 1.625%
5.21%
95%
90%
70%
$536.82
30 Years
5.500%
0.000%
5.57%
95%
90%
70%
$567.79
15 Years
4.375%
1.875%
4.77%
95%
90%
70%
$758.62
15 Years
4.875%
0.000%
4.99%
95%
90%
70%
$784.30
7 Year Balloon/Reset(2)
5.500%

1.875%
5.99%
80%
80%
70%
$567.79

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.

1. Monthly payment based on a $100,000 loan amount.

2. 7 year balloon/reset loan has an initial rate fixed for the first 7 years, then either a balloon payment of $89,383.54 is due or the loan can be reset and amortized over the remainder of the 30 year term at the then current rate plus .500% (not to exceed 5% of the initial rate).


ADJUSTABLE RATE MORTGAGES For Owner-Occupants

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 Payment
1-Year ARM*

4.375%

1.75%

4.17%

95%

90%

70%

$499.29

*Principal and interest monthly payment for the first year based on $100,000 loan amount. After the first year, the rate will adjust annually (not more than 2% in a year or more than 6% during the life of the loan) based on the 1-Year T-Bill rate plus a margin. Maximum loan amount is $625,500. Must be secured by residential real property located in Hawaii. Other rates and terms available for higher loan amounts and investors. Contact our Guam Loan Center for Guam rates and terms.


HOME EQUITY CREDIT LINES

Loan Type

Based on 91-Day Treasury Bills
Index
Margin
APR(1)
Fully Indexed
Rate(2)
Minimum Rate
Maximum Loan to Value
Principal & Interest Monthly Payment(3)
For Owner-Occupants

0.176%

4.500%

6.098%

4.676%

6.098%

75%

$92.12
Investors

0.176%

4.750%

6.348%

4.926%

6.348%

75%

$94.18

1. Maximum APR is 19%. Rates and terms may vary based on credit history, loan-to-value ratio, financial condition of applicant, condition of collateral and whether applicant is an owner-occupant or investor.

2. Fully indexed rates may change quarterly based on the prior quarter's average of 91-day T-Bills plus the margin. Effective as of date 7/01/09.

3. Payment examples based on $10,000 outstanding balance for 30 days. Interest only payments are also available. Minimum payments may not fully repay the principal balance at maturity resulting in a balloon payment.

Must be secured by fee simple property located in Hawaii only. Contact our Guam Mortgage Center for Guam rates and terms.


INTERIM BRIDGE LOANS For Owner-Occupants

Loan Term

Interest Rate
Points
APR
Maximum Loan to Value
Interest Only
Monthly Payment
Balloon Payment
12 Months

7.875%

3.000%

12.249%

60%

$656.25

$100,656.25
12 Months

8.375%

2.000%

11.671%

60%

$697.92

$100,697.92

1) Interest only monthly payments (based on a $100,000 loan amount) will not repay the principal loan amount and a balloon payment will be due at the end of the loan term. Must be secured by residential real property located in Hawaii. Other rates and terms available for investor loans, condos, and commercial loans. Contact the Guam Mortgage Center for Guam rates and terms.

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