Current Mortgage Rates

Pacific Home Loans is committed to offering some of the most competitive mortgage interest rates available. With our wide variety of mortgage products, we can find a program to fit your individual needs – whether you are a first time homebuyer, a seasoned homeowner, an investor, or seeking a refinance.

Loan Type Current Rates Points APR
Conforming 30 Year Fixed 6.875% 1.000 7.007%
Jumbo 30 Year Fixed 7.375% 0.837 7.494%
FHA 30 Year Fixed 6.5% 0.681 6.771%
VA 30 Year Fixed 6.5% 0.871 6.979%

Rates as of 9/18/2023 and can change without notice.
Conforming and Jumbo rates are based on 30-day lock for purchase transactions with 25% down and a FICO of 740.
Conforming loan limit in Hawaii is $1,089,300
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.
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Featured Loan Program of the Month

Loan Type Current Rates Points APR
Vacation Rental Condo 30 Year Fixed

Some restrictions apply*
 7.5% 0.375 7.572%

Rates as of 9/18/2023 and can change without notice. 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.
Vacation Rental Condo
Conforming loan limit in Hawaii is $1,089,300. Jumbo loan limit from $1,089,301.
30-year fixed rate is based on 30-day lock for purchase transactions with a 740 FICO and 25% down. For Investor add 0.375 to the rate.
*Condos that have a registration desk or the amenities of a hotel such as on-site maid service, concierge desk, etc. are ineligible for this program.
For Jumbo loans: $1,089,3001 – $1,499,999 add .25 to the rate
For Jumbo loans: $1,500,000 – $2,500,000 add .375 to the rate
Call or email to determine if your condo is eligible for this program. PHL offers competitive rates on Condotels too
*Condos that have a registration desk or the amenities of a hotel such as on-site maid service, concierge desk, etc. are ineligible for this program.

Pacific Home Loans | NMLS # 278194 | Equal Housing Opportunity