; HOME LOANS - Hawaii Central Federal Credit Union

Personal > Home Loans

Home Loans

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

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

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.

Rates & Disclosures


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.

Rates & Disclosures


1st & 2nd Mortgages

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.

Rates & Disclosures


First-Time Home Buyer Program

When you are ready to take the first step toward home ownership, our experienced staff is here to help! Don’t miss our limited-time-only First-Time Home Buyer Program! Low down payment and no mortgage insurance required.

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

*APR=Annual Percentage Rate.