Current Rates

Competitive Mortgage Rates

At Pacific Home Loans, we take pride in our unwavering commitment to providing not only some of the most competitive mortgage interest rates but also a diverse range of mortgage products to cater to the unique needs of individuals across Hawaii.

Whether you’re a first-time homebuyer eager to embark on the journey of homeownership, a seasoned homeowner looking to upgrade or downsize, an astute investor seeking opportunities, or someone considering a refinance to optimize your current mortgage terms, we have tailored programs designed just for you. Our goal is to offer not just a loan but a financial solution that aligns seamlessly with your objectives. Explore the possibilities with Pacific Home Loans and experience the personalized service and flexibility that set us apart in the dynamic landscape of mortgage financing.

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Current Mortgage Rates for Hawaii

Loan Type	Current Rate	Discount Points	APR
Conforming 30 Year Fixed	6.375%	1.5	6.541%
FHA 30 Year Fixed	5.75%	0.745	6.985%
VA 30 Year Fixed	5.75%	0.74	6.129%
Jumbo 30 Year Fixed	6.75%	1.25	6.896%

Click here to view important disclosures for our Conforming, FHA and VA rates.

Rates as of 12/16/2024 and can change without notice.
Conforming and Jumbo rates are based on 30-day lock for purchase transactions with 20% down and a FICO of 740.
Conforming loan limit in Hawaii is $1,209,750
Jumbo loan amounts up to $3,000,000 for a Primary and Second Home with 20% down
FHA purchase loan rate is based on 3.5% down with a 740 FICO score and a 30 day rate lock. The FHA Loan has a one-time upfront mortgage insurance premium at 1.75% of the base loan amount that can be financed and added to the base loan amount, increasing the total financed loan amount. In addition, the FHA Loan has a monthly mortgage insurance premium which is calculated based on the down payment, loan amount, and amortization term. Visit our FHA Loan page for the complete details.
VA purchase loan rate is based on 0% down with a 740 FICO score and a 30 day rate lock. APR includes a 3.60% VA funding fee. VA loans do not require Private Mortgage Insurance. VA loans are a benefit of military service and only available for qualified veterans, surviving spouses and active-duty military.
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice.
All loans are subject to credit approval. Your actual rate, payment, terms, and costs could be different. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.

Click here to view important disclosures for our Jumbo Loan rates.

Jumbo 30yr fixed

-Loan amounts up to $3,000,000 with 20% down
-Available for primary and second homes
-The rate quote is based on SFR with a minimum 740 credit score and maximum 43% DTI

Jumbo 7yr ARM
-Time initial rate is fixed 7 years
-Current payment $673.72*
-Current adjusted rate 8.05%**
-Adjusted payment $737.25*
-First payment change cap +5%/ -5%
-Subsequent change cap +1%/ -1%
-Maximum lifetime cap 5% over start rate
-Floor rate 2.75%

* Monthly payments are per $100,000 borrowed and do not include additional costs such as taxes and insurance. Actual monthly payment will be greater.

** Since the index in the future is unknown, the Current Adjusted Interest Rate and Current Adjusted 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 based on the 30 Day Average of the Secured Overnight Funding Rate (SOFR) as published daily by the Federal Reserve Bank of New York, plus a margin of 2.75%. For more information on the SOFR index, please visit the Federal Reserve Bank of New York.
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice.

All loans are subject to credit approval. Your actual rate, payment, terms, and costs could be different. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.