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Pearl Hawaii Credit Union
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Rates as low as 2.25%

Save Time & Money with Pearl Hawaii’s Mortgage

If you want to save on interest and pay off your loan quicker, a 15 or 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. Apply

BENEFITS

  • Lower interest rates
  • Borrow up to $765,600
  • Affordable monthly payments
  • Pay off your house quicker
  • Stability – You lock in the interest rate on your mortgage for the entire term since it’s 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 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
  • A 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.

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15 & 20 Mortgage rates as of 12/7/2020. More rates and terms available. 

Mortgage Loans

Fixed Rate Term RatePointsAPR* AS LOW AS Payment Examples Based on an A-Tier rate of $100,000 (Owner Occupied & Investment Properties)
7 Year Owner Occupied3.000%0.003.111%Monthly principal and interest is 84 payments of $1,321.31. Total interest payments is $10,989.69; total of all payments is $110,989.69.
7 Year Investment 3.000%0.003.111%Monthly principal and interest is 84 payments of $1,321.31. Total interest payments is $10,989.69; total of all payments is $110,989.69.
12 Year Investment 4.500%0.004.569%Monthly principal and interest is 144 payments of $899.99. Total interest payments is $29,598.03; total of all payments is $129,598.03.
15 Year First Mortgage Owner Occupied 2.250%1.002.446%Monthly principal and interest is 180 payments of $655.08. Total interest payments is $17,913.64; total of all payments is $117,913.64.
15 Year First Mortgage Owner Occupied2.500%0.002.554%Monthly principal and interest is 180 payments of $666.78. Total interest payments is $20,020.33; total of all payments is $120,020.33.
15 Year Second Mortgage Owner Occupied2.625%1.002.823%Monthly principal and interest is 180 payments of $672.68. Total interest payments is $21,082.29; total of all payments is $121,082.29.
15 Year Second Mortgage Owner Occupied2.875%0.002.929%Monthly principal and interest is 180 payments of $684.58. Total interest payments is $23,223.22; total of all payments is $123,223.22.
20 Year First Mortgage Owner Occupied2.500%1.002.652%Monthly principal and interest is 240 payments of $529.90. Total interest payments is $27,174.73; total of all payments is $127,174.73.
20 Year First Mortgage Owner Occupied2.750%0.002.792%Monthly principal and interest is 240 payments of $542.16. Total interest payments is $30,117.87; total of all payments is $130,117.87.
20 Year Second Mortgage Owner Occupied2.875%1.003.029%Monthly principal and interest is 240 payments of $548.36. Total interest payments is $31,604.07; total of all payments is $131,604.07.
20 Year Second Mortgage Owner Occupied3.125%0.003.167%Monthly principal and interest is 240 payments of $560.87. Total interest payments is $34,607.62; total of all payments is $134,607.62.
30 Year Mortgage- Owner Occupied, First Liens2.875%1.002.984%Monthly principal and interest is 360 payments of $414.93. Total interest payments is $49,374.15; total of all payments is $149,374.15.
30 Year Mortgage- Owner Occupied, First Liens3.125%0.003.156%Monthly principal and interest is 360 payments of $428.42. Total interest payments is $54,228.89; total of all payments is $154,228.89.

*Annual Percentage Rate (APR). Rates are subject to change without prior notice. The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. The borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Only improved residential properties on Oahu accepted as collateral. PHFCU must be listed as a loss payee on the Home Insurance policy. Payment example does not include possible fees, insurance, or closing costs that may occur and will range dependent on your situation.

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. Average Closing Cost: $800.00-$1500.00 and may vary dependent on the personal financial situation. You must maintain broad form hazard insurance on the property, listing PHFCU as a loss payee.

Maximum loan amount: $765,600.

NMLS 472169. a href="https://pearlhawaii.com/wp-content/uploads/2021/04/HOME-DISCLOSURE.pdf" style="">HELOC EARLY DISCLOSURE.

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Disclaimer

*Annual Percentage Rate (APR). Rates are subject to change without prior notice. The loan rate advertised is an “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. It May not be used for a business loan. The borrower must be 18 years of age or older. Rate is subject to change or cancellation without prior notice. Only improved residential properties on Oahu accepted as collateral. Payment example does not include possible fees, insurance, or closing costs that may occur and will range dependent on your situation. The advertised rate is as of 12/7/20. 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. You must maintain broad form hazard insurance on the property, listing PHFCU as a loss payee. Closing cost fees incurred will be dependent on the amount borrowed and will vary. Average Closing Cost: $800.00-$1500.00 and may vary dependent on the member’s personal financial situation. Maximum loan amount: $765,600. HELOC EARLY DISCLOSURE

NMLS 472169. Equal Housing Lender. Federally insured by NCUA.