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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: September 13, 2026

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FRAUD ALERT: Beware of people calling claiming to be from Pearl Hawaii where the caller ID says Pearl Hawaii. Pearl Hawaii will never ask you to respond to a text to reverse or erase a transaction, or ask for passwords, PINs, card numbers, Social Security numbers, or authentication codes. If you shared personal information, contact us immediately at 808-737-4328 or MyFamily@phfcu.com .