Best Mortgage Rate Tools to Buy in December 2025
Calculated Industries 3405 Real Estate Master IIIx Residential Real Estate Finance Calculator | Clearly-Labeled Function Keys | Simplest Operation | Solves Payments, Amortizations, ARMs, Combos, More
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Calculated Industries 43430 Qualifier Plus IIIfx Desktop PRO Real Estate Mortgage Finance Calculator | Clearly-Labeled Keys | Buyer Pre-Qualifying | Payments, Amortizations, ARMs, Combos, FHA/VA, More
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Calculated Industries 3415 Qualifier Plus IIIx Advanced Real Estate Mortgage Finance Calculator | Simple Operation | Buyer Pre-Qualifying | Solves Payments, Amortization, ARMs, Combos, FHA, VA, More
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SIMPLIFIES MORTGAGE TERMS FOR QUICK CLIENT DECISIONS.
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SIMPLIFIED MORTGAGE TERMS EMPOWER CLIENTS TO MAKE INFORMED DECISIONS.
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If you're looking to purchase a home in Hawaii, it's essential to stay updated on the current mortgage rates to make an informed decision. Here are some insights into the best mortgage rates in Hawaii from various lenders:
American Savings Bank:
- 15-Year Fixed: 5.25% interest rate, 2.00 points, 5.69% APR.
- 30-Year Fixed: 6.125% interest rate, 1.75 points, 6.375% APR.
- 5-Year ARM: 5.625% interest rate, 2.00 points, 7.066% APR.
Bank of Hawaii:
- 15-Year Fixed: 6.00% interest rate, 0.875 points, 6.138% APR.
- 30-Year Fixed: 6.25% interest rate, 1.875 points, 6.43% APR.
- 5-Year ARM: 6.00% interest rate, 0.875 points, 7.208% APR.
Central Pacific Bank:
- 15-Year Fixed: 5.375% interest rate, 2.00 points, 5.823% APR.
- 30-Year Fixed: 6.00% interest rate, 2.25 points, 6.302% APR.
- 5-Year ARM: 7.00% interest rate, 0 points, 7.849% APR.
First Hawaiian Bank:
- 15-Year Fixed: 5.375% interest rate, 2.125 points, 5.90% APR.
- 30-Year Fixed: 6.125% interest rate, 2.00 points, 6.44% APR.
- 5-Year ARM: 5.75% interest rate, 2.00 points, 7.44% APR.
Hawaii State Federal Credit Union:
- 15-Year Fixed: 5.375% interest rate, 1.625 points, 5.78% APR.
- 30-Year Fixed: 6.25% interest rate, 1.50 points, 6.494% APR.
- 5-Year ARM: 6.00% interest rate, 0.875 points, 7.515% APR.
HawaiiUSA Federal Credit Union:
- 15-Year Fixed: 6.25% interest rate, 1.50 points, 6.693% APR.
- 30-Year Fixed: 6.625% interest rate, 1.50 points, 6.90% APR.
Programs and Benefits
Hawaii also offers several programs to assist homebuyers:
- Down Payment Assistance Loan Program: Helps first-time homebuyers cover down payments.
- Mortgage Booster: Provides additional financial support for qualifying buyers.
Considerations
- Rates are influenced by various factors, including credit score, loan amount, and down payment.
- It's crucial to compare the APR (Annual Percentage Rate) since it includes both the interest rate and additional fees.
- Adjustable-rate mortgages (ARMs) may offer lower initial rates but can increase after the fixed period ends.
Staying informed about the current mortgage rates and available programs can help you make the best financial decision when purchasing a home in Hawaii.