Today's Mortgage Rates Hawaii

1. The interest rates, points, and annual percentage rates (APRs) are based on a purchase, 45-day lock, and subject to change without notice.  Other pricing options are available.  Monthly payment example does not include real estate taxes, insurance, association dues, or other impounds, if applicable. If down payment is less than 20%, mortgage insurance is required, which may increase the monthly payment and APR. Subject to loan approval. Fire, hurricane, flood (if in flood hazard zone) and localized peril (if in a lava hazard zone) insurance policies are required at homeowner’s expense.

See all 2026 Conforming Loan Limits >

See if ASB's Jumbo Loan is Right for You >

The Hale Kamaʻāina program is provided by Hawaiʻi Housing Finance and Development Corporation and financed through American Savings Bank (ASB). For more information regarding the program: https://dbedt.hawaii.gov/hhfdc/hk-mortgage-program/. Certain restrictions apply. Hawaii properties only. Fire, hurricane, flood (if in flood hazard zone) and localized peril (if in a lava hazard zone) insurance are required at homeowner’s expense. Subject to loan approval and cannot be combined with other offers or promotions.

ASB collects a 1% Loan Origination fee as part of the closing costs, which is included in the APR.

1. The availability of funds, interest rates, points, and annual percentage rate (APR) are subject to change without notice. The monthly payment example is based on the principal & interest per $100,000 and does not include payments for real estate taxes, insurance premiums, association dues, or other impounds. For Conforming loans, if down payment is less than 20%, mortgage insurance is required, which may increase the monthly payment and APR.

1. The interest rates, points, and annual percentage rates (APRs) are based on a purchase, 45-day lock, and subject to change without notice.  Other pricing options are available.  Monthly payment example does not include real estate taxes, insurance, association dues, or other impounds, if applicable. For Conforming loans, if down payment is less than 20%, mortgage insurance is required, which may increase the monthly payment and APR. Subject to loan approval. Fire, hurricane, flood (if in flood hazard zone) and localized peril (if in a lava hazard zone) insurance policies are required at homeowner’s expense.

See all 2026 Conforming Loan Limits >

2. Adjustable rate mortgage (ARM) interest rate adjustments are subject to a floor rate of 2.75% and a maximum rate of 5.00% above the initial rate. Monthly payment examples for the Fully Indexed Rate and fully indexed payment are based on the current 30-day average Secured Overnight Financing Rate (SOFR) Index as published by the Federal Reserve Bank of New York, plus a margin of 2.75% as of the effective date shown. The adjusted interest rate and payment may differ when the term for your initial rate expires. After the Initial Interest Rate period, the Fully Indexed Rate and corresponding payment can increase or decrease every 6 months based on the index rate at that time.

Learn more about ASB's This is HOME^SM Program >

The interest rates, points, and annual percentage rates (APRs) are based on a purchase, 45-day lock, and subject to change without notice.  Other pricing options are available.  Monthly payment example does not include real estate taxes, insurance, association dues, or other impounds, if applicable. Subject to loan approval. Fire, hurricane, flood (if in flood hazard zone) and localized peril (if in a lava hazard zone) insurance policies are required at homeowner’s expense.

1. APR includes a 2.3% VA Funding Fee
2. High balance VA loans up to $1,500,000 are available

See all 2026 Conforming Loan Limits >

Learn more about ASB's VA Home Loan Program >

2. Adjustable rate mortgage (ARM) interest rate adjustments are subject to a floor rate of 2.75% and a maximum rate of 5.00% above the initial rate. Monthly payment examples for the Fully Indexed Rate and fully indexed payment are based on the current 30-day average Secured Overnight Financing Rate (SOFR) Index as published by the Federal Reserve Bank of New York, plus a margin of 2.75% as of the effective date shown. The adjusted interest rate and payment may differ when the term for your initial rate expires. After the Initial Interest Rate period, the Fully Indexed Rate and corresponding payment can increase or decrease every 6 months based on the index rate at that time.