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Q | What are Pearl Hawaii’s mortgage fees?

A | There are no pre-payment penalties or annual fees. Fees that may be incurred: application fee, title insurance fee, document preparation fee, SRA\appraisal fee, tax verification fee, trust review fee, recording fees, or flood verification fee. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation. The average Closing Cost is from $800.00 to $1500.00 and may vary dependent on your personal financial situation. You must maintain broad form hazard insurance on the property, listing PHFCU as a loss payee.

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Rates effective as of: November 4, 2025

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Important Security Alert – Individuals impersonating Pearl Hawaii FCU’s Fraud Department have been calling members and asking them to verify fraudulent transactions. Don’t provide them with your information. Call us directly at (808)737-4328 to report the incident .