Today's Mortgage Rates Hawaii
Below are today's mortgage rates (07/24/2025) for our Conforming, This is HOME, Jumbo and Veteran Affairs (VA) Loans.
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American Savings Bank is Hawaii's #1 Local Mortgage Lender* *2024 State of Hawaii Bureau of Conveyances data, recorded total value of residential, non-wholesale, purchase mortgages.
Conforming & Jumbo Loans | |||||
|---|---|---|---|---|---|
Rate | Points | APR | Down Payment | Monthly Payment (principal & interest) | |
| 30 Year Fixed1 | 6.375% | 2.125 | 6.639% | 20% | $ 623.87 |
| Jumbo 30 Year Fixed2 | 6.375% | 2.125 | 6.634% | 20% | $ 623.87 |
| 15 Year Fixed1 | 5.250% | 2.375 | 5.704% | 20% | $ 803.88 |
The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice and may vary based on credit history and market movement. Rate is based on a 45 day lock for purchase transactions. Monthly payment example does not include amounts for real estate taxes and insurance premiums. If an escrow account is required or requested, the actual monthly payment will be greater. Rates shown include our purchase promotion of .25 points off closing costs. Pricing options with fewer points are available. Above rates are for purchase transactions. Refinance rates may be higher.
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This is Home - 30 Year Fixed Loan | |||||
|---|---|---|---|---|---|
Rate | Points | APR | Down Payment | Monthly Payment (principal & interest) | |
| 30 Year Fixed1 | 6.125% | 2.250 | 6.405% | 20% | $ 607.61 |
The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice and may vary based on credit history and market movement. Rate is based on a 60 day lock for purchase transactions. Monthly payment example does not include amounts for real estate taxes and insurance premiums. If down payment is less than 20%, then APR and monthly payment will increase due to mortgage insurance premium. If an escrow account is required or requested, the actual monthly payment will be greater. Rates shown may not include any current promotions or specials. Other interest rates and points combinations are available. Above rates are for purchase transactions. Refinance rates may be higher.
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This is Home - 10 Year Adjustable Rate Mortgage (ARM) Loan | |||||
|---|---|---|---|---|---|
10 Year ARM | |||||
| Initial Interest Rate | 5.375% | ||||
| Points | 1.875 | ||||
| APR | 6.213% | ||||
| Down Payment | 20% | ||||
| Initial Monthly Payment (principal & interest) Per $100,000 borrowed | $ 559.97 | ||||
| First Adjusted Interest Rate Cap | 5% | ||||
| Subsequent Adjusted Interest Rate Cap | 1% | ||||
| Fully Indexed Rate* | 7.125 % | ||||
| Fully Indexed Payment (principal & interest) Per $100,000 borrowed* | $ 673.72 | ||||
| Maximum Lifetime Cap Over Initial Interest Rate | 5% | ||||
| Floor Rate | 2.75% | ||||
The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice and may vary based on credit history and market movement. Interest rate adjustments are subject to a floor rate of 2.75% and a maximum rate of 5.00% above the initial rate. Rate is based on a 45 day lock for purchase transaction. Monthly payment example does not include amounts for real estate taxes and insurance premiums. If down payment is less than 20%, then APR and monthly payment will increase due to mortgage insurance premium. If an escrow account is required or requested, the actual monthly payment will be greater. Rates shown may not include any current promotions or specials. Pricing options with fewer points are available. The Fully Indexed Interest Rate and Fully Indexed Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is the 30 Day Average SOFR Index, the Secured Overnight Financing Rate as published by the Federal Reserve Bank of New York, plus a margin of 2.75%. * After the Initial Interest Rate period, your Fully Indexed Rate and corresponding Payment can increase or decrease every 6 months according to the current index. | |||||
Veterans Affairs (VA) Loans3 | |||||
|---|---|---|---|---|---|
Rate | Points | APR | Down Payment | Monthly Payment (principal & interest) | |
| 30 Year Fixed1,2 | 6.250% | 0.000 | 6.507% | 0% | $ 615.72 |
The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice and may vary based on credit history and market movement. Rate is based on a 60 day lock for purchase transactions. Monthly payment example does not include amounts for real estate taxes and insurance premiums. If an escrow account is required or requested, the actual monthly payment will be greater. Rates shown may not include any current promotions or specials. Other interest rates and points combinations are available. Above rates are for purchase transactions. Refinance rates may be higher.
| |||||
Adjustable Rate Mortgage (ARM) Loans | |||||
|---|---|---|---|---|---|
7 Year ARM | 7 Year ARM Jumbo | 10 Year ARM | 10 Year ARM Jumbo | ||
| Initial Interest Rate | 5.750% | 6.125% | 5.875% | 6.250% | |
| Points | 1.875 | 0.250 | 1.875 | 0.250 | |
| APR | 6.647% | 6.680% | 6.532% | 6.619% | |
| Down Payment | 20% | 20% | 20% | 20% | |
| Initial Monthly Payment (principal & interest) Per $100,000 borrowed | $ 583.57 | $ 607.61 | $ 591.54 | $ 615.72 | |
| Fully Indexed Rate* | 7.125 % | 7.125 % | 7.125 % | 7.125 % | |
| Fully Indexed Payment (principal & interest) Per $100,000 borrowed* | $ 673.72 | $ 673.72 | $ 673.72 | $ 673.72 | |
| Maximum Lifetime Cap Over Initial Interest Rate | 5% | 5% | 5% | 5% | |
| Floor Rate | 2.75% | 2.75% | 2.75% | 2.75% | |
The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice and may vary based on credit history and market movement. Interest rate adjustments are subject to a floor rate of 2.75% and a maximum rate of 5.00% above the initial rate. Rate is based on a 45 day lock for purchase transaction. Monthly payment example does not include amounts for real estate taxes and insurance premiums. If an escrow account is required or requested, the actual monthly payment will be greater. Rates shown may not include any current promotions or specials. Pricing options with fewer points are available. The Fully Indexed Interest Rate and Fully Indexed Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is the 30 Day Average SOFR Index, the Secured Overnight Financing Rate as published by the Federal Reserve Bank of New York, plus a margin of 2.75%. * After the Initial Interest Rate period, your Fully Indexed Rate and corresponding Payment can increase or decrease every 6 months according to the current index. | |||||
Please select your margins as "none" before printing.
| Rate | 6.375% |
| Points | 2.125 |
| APR | 6.639% |
| Down Payment | 20% |
| Monthly Payment (principal & interest) per $100,000 borrowed | $ 623.87 |
| Rate | 6.375% |
| Points | 2.125 |
| APR | 6.634% |
| Down Payment | 20% |
| Monthly Payment (principal & interest) per $100,000 borrowed | $ 623.87 |
| Rate | 5.250% |
| Points | 2.375 |
| APR | 5.704% |
| Down Payment | 20% |
| Monthly Payment (principal & interest) per $100,000 borrowed | $ 803.88 |
The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice and may vary based on credit history and market movement. Rate is based on a 45 day lock for purchase transactions. Monthly payment example does not include amounts for real estate taxes and insurance premiums. If an escrow account is required or requested, the actual monthly payment will be greater. Rates shown include our purchase promotion of .25 points off closing costs. Pricing options with fewer points are available. Above rates are for purchase transactions. Refinance rates may be higher.
- Maximum loan amount $1,209,750
- For loan amounts greater than $1,209,750
| Rate | 6.125% |
| Points | 2.250 |
| APR | 6.405% |
| Down Payment | 20% |
| Monthly Payment (principal & interest) per $100,000 borrowed | $ 607.61 |
The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice and may vary based on credit history and market movement. Rate is based on a 60 day lock for purchase transactions. Monthly payment example does not include amounts for real estate taxes and insurance premiums. If down payment is less than 20%, then APR and monthly payment will increase due to mortgage insurance premium. If an escrow account is required or requested, the actual monthly payment will be greater. Rates shown may not include any current promotions or specials. Other interest rates and points combinations are available. Above rates are for purchase transactions. Refinance rates may be higher.
- Maximum loan amount $1,209,750
| Rate | 5.375% |
| Points | 1.875 |
| APR | 6.213% |
| Down Payment | 20% |
| Initial Monthly Payment (principal & interest) per $100,000 borrowed | $ 559.97 |
| First Adjusted Interest Rate Cap | 5% |
| Subsequent Adjusted Interest Rate Cap | 1% |
| Fully Indexed Rate* | 7.125 % |
| Fully Monthly Payment (principal & interest) per $100,000 borrowed* | $ 673.72 |
| Maximum Lifetime Cap Over Initial Interest Rate | 5% |
| Floor Rate | 2.75% |
The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice and may vary based on credit history and market movement. Interest rate adjustments are subject to a floor rate of 2.75% and a maximum rate of 5.00% above the initial rate. Rate is based on a 45 day lock for purchase transaction. Monthly payment example does not include amounts for real estate taxes and insurance premiums. If down payment is less than 20%, then APR and monthly payment will increase due to mortgage insurance premium. If an escrow account is required or requested, the actual monthly payment will be greater. Rates shown may not include any current promotions or specials. Pricing options with fewer points are available.
The Fully Indexed Interest Rate and Fully Indexed Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is the 30 Day Average SOFR Index, the Secured Overnight Financing Rate as published by the Federal Reserve Bank of New York, plus a margin of 2.75%.
* After the Initial Interest Rate period, your Fully Indexed Rate and corresponding Payment can increase or decrease every 6 months according to the current index.
| Rate | 6.250% |
| Points | 0.000 |
| APR | 6.507% |
| Down Payment | 0% |
| Monthly Payment (principal & interest) per $100,000 borrowed | $ 615.72 |
The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice and may vary based on credit history and market movement. Rate is based on a 60 day lock for purchase transactions. Monthly payment example does not include amounts for real estate taxes and insurance premiums. If an escrow account is required or requested, the actual monthly payment will be greater. Rates shown may not include any current promotions or specials. Other interest rates and points combinations are available. Above rates are for purchase transactions. Refinance rates may be higher.
| Rate | 5.750% |
| Points | 1.875 |
| APR | 6.647% |
| Down Payment | 20% |
| Initial Monthly Payment (principal & interest) per $100,000 borrowed | $ 583.57 |
| Fully Indexed Rate* | 7.125 % |
| Fully Monthly Payment (principal & interest) per $100,000 borrowed* | $ 673.72 |
| Maximum Lifetime Cap Over Initial Interest Rate | 5% |
| Floor Rate | 2.75% |
| Rate | 6.125% |
| Points | 0.250 |
| APR | 6.680% |
| Down Payment | 20% |
| Initial Monthly Payment (principal & interest) per $100,000 borrowed | $ 607.61 |
| Fully Indexed Rate* | 7.125 % |
| Fully Monthly Payment (principal & interest) per $100,000 borrowed* | $ 673.72 |
| Maximum Lifetime Cap Over Initial Interest Rate | 5% |
| Floor Rate | 2.75% |
| Rate | 5.875% |
| Points | 1.875 |
| APR | 6.532% |
| Down Payment | 20% |
| Initial Monthly Payment (principal & interest) per $100,000 borrowed | $ 591.54 |
| Fully Indexed Rate* | 7.125 % |
| Fully Monthly Payment (principal & interest) per $100,000 borrowed* | $ 673.72 |
| Maximum Lifetime Cap Over Initial Interest Rate | 5% |
| Floor Rate | 2.75% |
| Rate | 6.250% |
| Points | 0.250 |
| APR | 6.619% |
| Down Payment | 20% |
| Initial Monthly Payment (principal & interest) per $100,000 borrowed | $ 615.72 |
| Fully Indexed Rate* | 7.125 % |
| Fully Monthly Payment (principal & interest) per $100,000 borrowed* | $ 673.72 |
| Maximum Lifetime Cap Over Initial Interest Rate | 5% |
| Floor Rate | 2.75% |
The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice and may vary based on credit history and market movement. Interest rate adjustments are subject to a floor rate of 2.75% and a maximum rate of 5.00% above the initial rate. Rate is based on a 45 day lock for purchase transaction. Monthly payment example does not include amounts for real estate taxes and insurance premiums. If an escrow account is required or requested, the actual monthly payment will be greater. Rates shown may not include any current promotions or specials. Pricing options with fewer points are available.
The Fully Indexed Interest Rate and Fully Indexed Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is the 30 Day Average SOFR Index, the Secured Overnight Financing Rate as published by the Federal Reserve Bank of New York, plus a margin of 2.75%.
* After the Initial Interest Rate period, your Fully Indexed Rate and corresponding Payment can increase or decrease every 6 months according to the current index.
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