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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: April 19, 2026

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We are receiving reports that our members may have received a fraudulent text message stating they have past due traffic infractions. For more details, CLICK HERE to read the publication on the Hawaii State Judiciary website