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20 Year Mortgages


Save time and money with Pearl Hawaii’s 20 Year Mortgage

If you want to save on interest and pay off your loan quicker, a 20 year mortgage is the way to do it. With low rates, you can pay off your home earlier while saving you a ton of money. Some borrowers choose a 20 year over a 15 year so they can have affordable payments.


  • Lower interest rate – Interest rates on 20-year loans are usually lower than on 30-year loans
  • Borrow up to  $1,149,825.
  • Affordable monthly payments
  • The amortization follows more closely to a 15 year than a 30 year
  • Pay off your house quicker
  • Stability – You lock in the interest rate on your mortgage for the entire 20-year term since its a fixed rate. This gives you a degree of predictability you won’t have with an adjustable-rate mortgage (ARM)
  • Less time before you own your home – Compared to the more common 30-year loan, you’ll shave 10 years off the time it takes to pay off your mortgage and own your home outright. Plus,  you will save money on interest during the lifetime of the loan
  • Lower total cost of borrowing – Between a lower interest rate and a shorter term, you’ll reduce the total interest you pay over the life of the loan.

Learn if a 20 Year Mortgage is right for you

If you still have questions, contact our mortgage loan team to find out how you can get started.

Twenty-year mortgages offer unique benefits that make it an attractive option for refinancing a home. Just like a year fixed-rate mortgage, a 20 year mortgage offers the security of a fixed rate, which means that your payments will be consistent during the lifetime of the loan. When you want professional help to determine whether a 20-year mortgage is the best home loan option for you, our mortgage specialists can help. As a leading mortgage company, we offer a broad range of mortgage programs and can help you compare mortgages and current home mortgage rates to find the right product for your unique financial situation and financial goals.

Programs Available

  • 20 Year: First Mortgage
  • 20 Year: Second Mortgage

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