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Pearl Hawaii Credit Union
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Home Loans

CONSOLIDATE | RENOVATE | EDUCATE | CELEBRATE

Apply for a Home Loan
SweetHale

 

Pearl Hawaii offers affordable rates and flexible financing options with our Home Loans. Consolidate debt, fix up your home, take a vacation- whatever you need!  Better yet, the interest you pay may be tax-deductible (Consult your tax advisor for your personal situation).

FOCUS ON YOUR HOME

& WE WILL FOCUS ON YOUR LOAN

  • Fixed rates
  • Quick and streamlined experience with expert, personalized service
  • Rate lock-ins: Your rate is locked at the time of application until your loan is funded, giving you the flexibility and freedom you need.
  • 15, 20, and 30 Year Terms (Owner-Occupied)
  • Borrow up to $765,600
  • No Annual Fees
  • No Pre-Payment Penalties
  • 0, 1, and 2 points are available
  • Interested? Contact our mortgage loan officer to find out how you can get started.

APPLY | RATES | HOME LOAN SPECIALS, PROMOTIONS, & OFFERS

 

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MORTGAGES

  • Conventional, Investment, First Time Buyer
  • Several Terms Available
  • Competitive Rates
  • Experienced Mortgage Specialists
  • Pre-Approval for Stress-Free Shopping
  • 15 year, 20 Year, and 30 Year Terms Available

DETAILS | APPLY | RATES

 

HOME EQUITY LINES-OF-CREDIT (HELOC)

With a Home Equity Line of Credit (HELOC), you can use your home’s value to get a much lower rate. It’s perfect if you’ve got an upcoming project, but don’t know exactly how much you’ll want to borrow.

This variable rate line-of-credit provides homeowners with the opportunity to use the equity in their primary residence.

  • 80% Loan-to-Value – Credit Lines up to $300,000
  • 90% Loan-to-Value –  Credit Lines up to $150,000
  • Start with an Initial Advance of $1,000
  • Great for Home Renovations

DETAILS | APPLY | RATES | SPECIAL OFFERS

 

HELOC FIXED ADVANCES

This is a customizable Home Equity Line of Credit (HELOC) with fixed-rate options. You can use the loan for what you want when you want… and you can even use the fixed-rate option to pay off the Annual Adjustable HELOC.

  • No annual fees
  • No pre-payment penalties
  • Terms available: 1, 2, 3, 5, 7, and 15 years.
  • Maintain up to 4 separate loans at a time (1 adjustable rate line-of-credit and 3 fixed rate advances)
  • The initial advance is only $1000

DETAILS | APPLY | RATES

HOME LOANS | REFINANCE

Deciding if it makes sense to refinance your mortgage and home is always a big decision. Whether you want to lower your monthly payment, get a lower interest rate, shorten your term, or do a cash-out refinance, let Pearl Hawaii help you determine if refinancing can help you meet your goals.

DETAILS | APPLY | RATES

Feel confident at Pearl Hawaii

From the finest service to the latest tech, we’ve got your back in every possible way. At Pearl Hawaii, we are committed to providing you the most innovative products and services. From home or car loans and helping you with other banking services. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at MyFamily@phfcu.com.

ABOUT | COMMUNITIES | FAQs | JOIN | JOBS

Keep it close to home

You can finish your home loan app right here online… from the comfort of your couch or while you are waiting around.

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