Buy a Home
Whether you want to buy a home or build a home in Hawai‘i, we can help! Please fill out the form below, and one of our mortgage professionals will reach out to you within 48 hours.
Your tools for homeownership:
Credit Builder Loans help you build and improve your credit score while saving money.
- $2,000 maximum loan amount
- 18% fixed APR
- Term up to 24 months
Debt Consolidation Loans are used to pay off collections, high interest credit cards, and reduce your monthly debt payments.
- $25,000 maximum loan amount
- 8%-14% fixed APR
- Term up to 5 years
Build a Home - Pre-Construction Loans
Kapili Pre-Construction Loans assist native Hawaiians to pay for pre-construction costs including engineer stamps and permits. Borrowers MUST plan to use NAHASDA financing to be eligible for this loan.
- $15,000 maximum loan amount
- 6-8% fixed APR
- 1% origination fee due at closing
- Term up to 18 months
- Affordable home package referrals available
- Owner-builder technical assistance offered
Build a Home - Construction Loans
Kapili Construction Loans help native Hawaiians build homes on their Hawaiian Home Lands lot.
- $450,000 maximum loan amount
- 6-8% fixed APR
- 1% origination fee due at closing
- Term up to 18 months
- Affordable home package referrals available
- Owner-builder technical assistance offered
Down Payment Assistance GRANTS are available through the Federal Home Loan Bank and HCL partner financial institutions.
- $15,000 maximum grant amount
Down Payment Assistance LOANS are second mortgages that give you the funds you need to afford down payment and/or closing costs.
- $150,000 maximum loan amount
- Fixed interest rate up to 2% above first mortgage interest rate
- 1% origination fee due at closing
- Term up to 360 months
Deferred Payment Loans
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
1315 Kalanianaole Avenue, Hilo, HI 96720 | (808) 587-7656
PO Box 210, Waimanalo, HI 96795
If you need an auxiliary aid/service or other accommodation due to a disability, call TTY: (877) 477-5990 as soon as possible. Requests made as early as possible will allow adequate time to fulfill your request. Upon request, this notice is available in alternate formats such as large print, Braille, or electronic copy.
