Hawaii Mortgage Rates
& Home Loans
Find the best mortgage rates in Hawaii. Compare loan programs from 50+ lenders and get pre-qualified in 60 seconds. No credit impact.
Mortgage Programs in Hawaii
Compare loan options and find the right fit for your home purchase or refinance in Hawaii.
Conventional
6.75%Traditional financing with competitive rates for qualified borrowers.
- No upfront mortgage insurance fee
- PMI removable at 20% equity
- Primary, secondary & investment properties
FHA Loan
6.50%Government-backed loans with lower credit requirements.
- 580+ credit score accepted
- Loan limits up to $1,149,825
- Lower down payment requirements
VA Loan
6.25%Exclusive benefits for veterans and active-duty military.
- No down payment required
- No PMI ever
- Competitive below-market rates
Jumbo Loan
7.00%Financing for high-value properties above conforming limits.
- Loan amounts up to $3M+
- Flexible terms available
- Primary & secondary homes
Popular Cities in Hawaii
We serve borrowers across all of Hawaii. Here are some of the most popular markets:
How to Get a Mortgage in Hawaii
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Mortgage Guide for Hawaii Homebuyers
Whether you're a first-time homebuyer in Honolulu or refinancing your home in Pearl City, Slate Financial offers competitive mortgage rates across Hawaii. With an average home price of $850,000 and current rates starting at 6.75%, now is a great time to explore your options.
Hawaii homebuyers can choose from several loan programs including Conventional loans, FHA loans (with limits up to $1,149,825), VA loans for veterans, and Jumbo loans for higher-value properties. Our AI-powered platform compares rates from 50+ lenders to find you the best deal.
Property taxes in Hawaii average 0.28% of assessed value. When budgeting for your home purchase, be sure to factor in property taxes, homeowner's insurance, and PMI (if your down payment is less than 20%) alongside your monthly principal and interest payment.
First-Time Homebuyer Programs in Hawaii
- FHA Loans: As low as 3.5% down with a 580+ credit score. Popular choice for Hawaii first-time buyers.
- VA Loans: Zero down payment for eligible veterans. Available in all Hawaii markets.
- Conventional 97: Only 3% down for first-time buyers with good credit.
- Down Payment Assistance: Many Hawaii programs offer grants and low-interest second mortgages.
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