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Hawaii Mortgage Rates

Updated: July 15, 2024

Compare today's rates for Mortgage Refinance in HI

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Mortgage rates for Hawaii go down to 3.00%

Monday, July 15, 2024

Mortgage rates for Hawaii on Lender411 for 30-year fixed-rate mortgages are at 3.00%. That dropped from 3.00% to 3.00%. The 15-year fixed rates are now at 2.56%. The 5/1 ARM mortgage for Hawaii is now at 4.56%.

If you are looking for up to the minute Hawaii mortgage rates, you’ve come to the right place.  Finding the lowest rates is easy when you have access to our vast network of trusted mortgage professionals in Hawaii. Talk to multiple mortgage lenders in HI to compare rate quotes and understand your options.

Hawaii Mortgage Refinance

Why is it critical to find the lowest rate when refinancing?  Simply put, this is the entire goal of a refinance.  The lower your new rate, the more money you’ll save. While there are many ways to secure a refinance loan, the best option is the no cost refi, which allows you to switch to a new mortgage with a lower rate without paying the fees associated with closing a new loan.  This can literally save you thousands of dollars.

Home Loans in Hawaii

The loan types available in Hawaii are much like those available elsewhere.  One of the most widely available mortgage loan types is the 30 year fixed rate mortgage.  As the name implies, this loan comes with a fixed interest rate.  This is considered the most financially sound mortgage by many borrowers. Some opt for the 15-year fixed option.

The adjustable rate mortgage (ARM) is another common loan type.  You can also pursue a jumbo loan, interest-only loan, balloon mortgage, or other specialized loan type.  Whether or not one of these loans fits you will depend entirely on your needs and the requirements of your lender.  Government backed loans, such as the FHA loan and the VA loan, are available to those who qualify.

Hawaii Beach and Palm Tree

About Hawaii

Hawaii became the 50th of the United States in August of 1959.  Hawaii is an archipelago and does not share a border with any other U.S. State.  It consists of a chain of islands far away from any other land masses in the middle of the Pacific Ocean, with major cities including Honolulu, Hilo, Kailua, and Kaneohe.

All of Hawaii’s eight main islands were formed due to volcanic activity.  Known for its great climate and relaxing environment, Hawaii is a popular destination for tourists from all over the world.  Hawaii's aboriginal culture is Polynesian and the state counts both English and Hawaiian as its official languages.  Some of Hawaii exports include pineapple, sugar cane, macadamia nuts, and coffee.

To learn more about homeownership in Hawaii or research HI home buying programs, visit the Hawaii HUD portal.

If you’re not ready to take this first step yet, that’s fine.  Continue researching and learning about your mortgage choices by following any of the links below.

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