Start your journey to home
Whether you want to buy a home or build a home in Hawai‘i, or if you are not sure where to start and would like to talk to a staff member we can help!
Please fill out the form below, and one of our mortgage professionals will reach out to you within 48 hours.
Homeownership Toolkit
A Debt Consolidation Loan is used to pay off collections, high interest credit cards, and reduce your monthly debt payments.
- $35,000 maximum loan amount
- 8%-14% fixed APR
- Term up to 7 years
A Credit Builder Loan helps you build and improve your credit score while saving money.
- $2,000 maximum loan amount
- 18% fixed APR
- Term up to 24 months
Kapili Construction Loans help native Hawaiians build homes on their Hawaiian Homelands lot.
- $450,000 maximum loan amount
- 6-8% fixed APR
- 1% origination fee due at closing
- Term up to 18 months
- Referrals to builders and home package suppliers
- Owner-builder technical assistance offered
Deferred Payment Loans help you buy down your purchase price to make homeownership a reality. Only available to homebuyers in approved projects within participating counties.
- $200,000 maximum loan amount
- 0% fixed APR
- 0% origination fee due at closing
- Resale and share equity restrictions apply
Talk with an HCL team member for more information
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