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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.

Hawaii Credit Builder Loan with Hawai‘i Community Lending

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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