; Préstamos Hipotecarios - Hawaii Central Federal Credit Union

Espanol > Préstamos Hipotecarios

Préstamos Hipotecarios

Whether you’re looking to buy your first or second home, build your dream home, or tap into your home’s equity, Hawaii Central has competitive loan options to fit your needs.

Want to discuss your loan options? Fill our prequalification form and our loan officers will get in touch with you. 

logo-298

OWNER-OCCUPANT (HELOC)

1.49%

2 Year Introductory Rate

5.00%APR*

APR After Introductory Term

OWNER-OCCUPANT (HELOC)

2.49%

3 Year Introductory Rate

5.00%APR*

APR After Introductory Term

OWNER-OCCUPANT (HELOC)

2.75%

5 Year Introductory Rate

5.00%APR*

APR After Introductory Term

Owner-Occupant & Non Owner-Occupant HELOC Loans

Our Home Equity Line of Credit allows you to borrow against your home’s accumulated equity. These funds can be used for home improvements, to help pay for college tuition, or that long needed vacation. This revolving line-of-credit is a quick, convenient, and economical way to borrow and make the most out of your home’s equity.

logo-299

Vacant Land Loans

7.500%

Rate

8.702%APR*

24 Estimated Interest-Only Payments of $625.00

Land Loans

Found the perfect lot but aren’t ready to begin construction on your dream home yet? Our Land Loans can help you secure property even if you’re not quite ready to begin building just yet.

logo-297

Construction Loans

7.000%

Rate

9.780%APR*

12 Estimated Interest-Only Payments of $583.33

Construction Loans

7.250%

Rate

8.692%APR*

24 Estimated Interest-Only Payments of $604.17

Construction Loans

Whether you already have a contractor lined up or plan to be your own contractor, our Construction Loans can fit your specific needs! Although a bonded contractor is recommended, it is not required for our Construction Loans. From Owner/Builder to Contractors, our Construction Loans can help you build the home of your dreams.

logo-296

Fixed 2nd Mortgages

5.500%

Rate

5.827%APR*

180 Estimated Monthly Payments of $817.08

Fixed 2nd Mortgages

5.500%

Rate

5.567%APR*

360 Estimated Monthly Payments of $567.80

1st & 2nd Mortgages

With low mortgage interest rates, now might be the perfect time to see if you can refinance at a lower rate or become a new homeowner. Our Mortgage Loans offer competitive rates and an experienced staff that will help you achieve your goals.

Home Loan Checklist

When applying for a home loan, the following documents will be required:

  • Tax returns (last two years – personal and business)
  • Proof of income (paystubs and W-2s)
  • Proof of assets: statements from banks, investment companies, mutual funds, stocks, etc.
  • Proof of insurance coverage
  • Documentation for other source of income (e.g., social security, pension, annuities, lease agreements, etc.)
  • Copies of most recent monthly mortgage statements for all real property owned (if applicable)
  • Copy of most recent maintenance or association fee statement (if applicable)
  • Renting history (if applicable)
  • If self-employed with 25% or more ownership in a business, year-to-date profit & loss statement along with the last two years’ filed business tax returns with all schedules, attachments, and K-1 as applicable

logo-298

OWNER-OCCUPANT (HELOC)

1.49%

2 Year Introductory Rate

5.00%APR*

APR After Introductory Term

OWNER-OCCUPANT (HELOC)

2.49%

3 Year Introductory Rate

5.00%APR*

APR After Introductory Term

OWNER-OCCUPANT (HELOC)

2.75%

5 Year Introductory Rate

5.00%APR*

APR After Introductory Term

logo-297

Construction Loans

7.000%

Rate

9.780%APR*

12 Estimated Interest-Only Payments of $583.33

Construction Loans

7.250%

Rate

8.692%APR*

24 Estimated Interest-Only Payments of $604.17

logo-299

Vacant Land Loans

7.500%

Rate

8.702%APR*

24 Estimated Interest-Only Payments of $625.00

logo-296

Fixed 2nd Mortgages

5.500%

Rate

5.827%APR*

180 Estimated Monthly Payments of $817.08

Fixed 2nd Mortgages

5.500%

Rate

5.567%APR*

360 Estimated Monthly Payments of $567.80

*APR=Annual Percentage Rate.