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Mortgage Rates as of February 21, 2024

Conv 30

3/2/1 Buydown

Rate6.250%
Rate6.500%
Points2.180%
Points1.180%
APR6.372%
APR6.623%

See important rate information [1, 2, 9, 10]

VA 30

3/2/1 Buydown

Rate5.750%
Rate5.990%
Points1.819%
Points1.253%
APR5.888%
APR6.130%

See important rate information [1, 2, 3, 9, 10]

Conv 15

Rate5.625%
APR6.093%
Points1.555%

 

See important rate information [1, 2]

5/6 ARM

Rate6.000%
APR7.329%
Points1.375%

 

See important rate information [5, 6, 7, 8]

10/6 ARM

Rate6.250%
APR7.205%
Points1.375%

 

See important rate information [5, 6, 7, 8]

Jumbo

Rate6.875%
APR7.051%
Points1.793%

 

See important rate information [1, 2, 4]

7/6 ARM

Rate6.125%
APR7.180%
Points1.250%

 

See important rate information [5, 6, 7, 8]

  1. Rates as of 02/21/2024 and can change without notice. Rate is based on 30-day lock for purchase transaction.
  2. The information provided on this page is for informational and comparative purposes only. Rates and terms may change at any time and without prior notice. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc. The payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
  3. APR includes a 2.3% VA funding fee for first time users.
  4. For loan amounts greater than $1,149,825.
  5. Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease every 6 months according to the then current index.
  6. Since the index in the future is unknown, the Current Adjusted Interest Rate and Current Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is based on the 30 Day Average of the Secured Overnight Funding Rate (SOFR) as published daily by the Federal Reserve Bank of New York, plus a margin of 2.75%. For more information on the SOFR index, please visit the Federal Reserve Bank of New York.
  7. Max loan $4,000,000
  8. Rates are based off 20% Down and $1,149,825 loan amount
  9. Rates are the same for 3-2-1 Buydown.
  10. With a 3-2-1 buydown, Only seller or builder concessions can pay the upfront lump sum fee in order to reduce the buyer’s mortgage rate temporarily, in effect making their monthly payments for the first three years lower than they’ll be in the future.  The “3-2-1” aspect of the term comes from the fact that the buyer’s mortgage rate will be reduced by 3% during the first year, 2% the next year, and 1% the following year, after which it will return to standard pricing for the duration of the loan. Program is available for FHA, VA and Conventional purchases only.

 

Popular Hawaii Home Loans Which loan is right for YOU?

First Time Homebuyers Hawaii

FHA Home Loans Hawaii Hawaii

FHA home loans are popular among Hawaii first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans Hawaii

Conventional Home Loans Hawaii Hawaii

A conventional(fixed-rate mortgage) is a popular type of home financing in Hawaii because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages Hawaii

Jumbo Home Loans Hawaii Hawaii

A jumbo home loan is a mortgage used to finance Hawaii properties that are too expensive for a conventional conforming loan.

Jumbo Loans

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Hawaii? Now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

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Hawaii Paradise Mortgage

1314 S King St Ste 415B
Honolulu, Hawaii 96814
(808) 888-9013
NMLS# 790278

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