Whether you want to buy a home or build a home in Hawai‘i, we can help!
Please follow the link below and one of our mortgage professionals will reach out to you within 48 hours.
Your tools for homeownership:
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
A Debt Consolidation Loan is 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
Pre-Construction Loans - Build a Home
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
Construction Loans - Build a Home
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
Down Payment Assistance Loans are second mortgages that give you the funds you need to afford down payment and/or closing costs.
- Must be Native Hawaiian to be eligible for this program
- $25,000 maximum loan amount
- Fixed interest rate at 2% above first mortgage interest rate
- 1% origination fee due at closing
- Deferred payments due at resale, refinance, or loan maturity
- 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
