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Purchase your dream home or refinance your existing mortgage with a Hickam FCU Mortgage Loan. We offer a variety of home loans, including 1st and 2nd mortgages on both owner-occupant and non-owner-occupied loans.*

A Step-By-Step Guide to Owning a Home:

Consumer Financial Protection Bureau's

"Your Home Loan Toolkit"


  • Attractive first mortgage plans for purchase, refinance, or cash out.
  • Low closing costs.
  • Up to 100% loan-to-value financing.

Call us, stop by one of our branches, or apply for a loan online and we'll help you determine the best home loan product to meet your needs. NMLS# 421418.

* For fee simple properties located in the State of Hawaii.

Mortgage Loans with up to $500 off closing costs
*The Annual Percentage Rate (APR) with 2.000 points is based on an owner-occupied single-family dwelling or condo with a FICO score of 660 or higher. A 20-year fixed loan at 2.500% simple interest will have 240 monthly principal and interest payments of $529.90 per $100,000. Payment (principal and interest) does not include property taxes or insurance, so actual payments will be greater. Maximum loan amount is $650,000.00 for a single-family dwelling or condo. An appraisal is required for loan amounts over $250,000. Subject to credit approval and satisfaction of all eligibility requirements. Full income documentation is required. Real property must be in the State of Hawaii. Property insurance is required. There is no prepayment penalty. Certain restrictions and fees may apply. Rates and terms are subject to change without notice. Credit union membership is required. **For new or refinance Mortgage applications originated from
9/1/2020 through 10/15/2020, a credit up to $500 will be given at closing to offset third-party fees such as/including: credit report, flood certification, title insurance, mortgage recording, release of third-party mortgage, and legal document preparation. Closing costs including appraisal, escrow, trust reviews and other third-party fees estimated between $300 to $1,800 may apply. Any credit (up to $500) given at closing to offset third-party fees must be reimbursed should the mortgage be closed within the first three years. ***Other rates and terms available for over 80% to 100% Loan-to-Value (LTV). All loans are subject to qualifications and approval. Certain terms and conditions apply. Rates, terms, and conditions are subject to change without notice. Hickam FCU membership required. Offer effective 9/1/2020 thru 10/15/2020.
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