Mortgage Rates
Current Mortgage Rates
Current Fixed Mortgage Rates
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
15-yr Fixed Rate¹
5.375%
2.125
5.86%
$8.10 per $1,000 borrowed for 180 Monthly Payments
Interest rates updated as of 06/01/2026
30-yr Fixed Rate¹
6.125%
2.000
6.41%
$6.08 per $1,000 borrowed for 360 Monthly Payments
Interest rates updated as of 06/01/2026
1 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
15-yr Fixed Rate¹
5.375%
2.125
5.86%
$8.10 per $1,000 borrowed for 180 Monthly Payments
Interest rates updated as of 06/01/2026
30-yr Fixed Rate¹
6.125%
2.000
6.41%
$6.08 per $1,000 borrowed for 360 Monthly Payments
Interest rates updated as of 06/01/2026
1 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
15-yr Fixed Rate¹
6.875%
1.000
7.20%
$8.92 per $1,000 borrowed for 180 Monthly Payments
Interest rates updated as of 06/01/2026
30-yr Fixed Rate¹
7.750%
1.000
7.97%
$7.16 per $1,000 borrowed for 360 Monthly Payments
Interest rates updated as of 06/01/2026
1 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 30% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in Saipan only.
Current ARM Mortgage Rates
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
3-yr ARM²
5.250%
1.875
6.36%
$5.52 per $1,000 borrowed for First 36 Monthly Payments
Interest rates updated as of 06/01/2026
5-yr ARM²
5.375%
1.875
6.25%
$5.59 per $1,000 borrowed for First 60 Monthly Payments
Interest rates updated as of 06/01/2026
7-yr ARM²
5.500%
1.875
6.30%
$5.68 per $1,000 borrowed for First 84 Monthly Payments
Interest rates updated as of 06/01/2026
10-yr ARM²
5.625%
1.875
6.15%
$5.76 per $1,000 borrowed for First 120 Monthly Payment
Interest rates updated as of 06/01/2026
Adjustable Rate Mortgages (ARMs) adjust after the initial fixed rate period and your interest rate can increase or decrease every 6 months according to the current index. Adjustments for the 3, 5, 7, and 10 year Adjustable Rate Mortgages (ARMs) is based on the 30 Day Average of the Secured Overnight Financing Rate as published by the Federal Reserve Bank of New York, plus a margin of 2.75% for owner-occupant, 3.25% for investors.
2 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
3-yr ARM²
5.250%
1.875
6.36%
$5.52 per $1,000 borrowed for First 36 Monthly Payments
Interest rates updated as of 06/01/2026
5-yr ARM²
5.375%
1.875
6.25%
$5.59 per $1,000 borrowed for First 60 Monthly Payments
Interest rates updated as of 06/01/2026
7-yr ARM²
5.500%
1.875
6.30%
$5.68 per $1,000 borrowed for First 84 Monthly Payments
Interest rates updated as of 06/01/2026
10-yr ARM²
5.625%
1.875
6.15%
$5.76 per $1,000 borrowed for First 120 Monthly Payment
Interest rates updated as of 06/01/2026
Adjustable Rate Mortgages (ARMs) adjust after the initial fixed rate period and your interest rate can increase or decrease every 6 months according to the current index. Adjustments for the 3, 5, 7, and 10 year Adjustable Rate Mortgages (ARMs) is based on the 30 Day Average of the Secured Overnight Financing Rate as published by the Federal Reserve Bank of New York, plus a margin of 2.75% for owner-occupant, 3.25% for investors.
2 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
3-yr ARM²
6.125%
1.500
6.55%
$6.08 per $1,000 borrowed for First 36 Monthly Payments
Interest rates updated as of 06/01/2026
Adjustable Rate Mortgages (ARMs) adjust after the initial fixed rate period and your interest rate can increase or decrease every 6 months according to the current index. Adjustments for the 3, 5, 7, and 10 year Adjustable Rate Mortgages (ARMs) is based on the 30 Day Average of the Secured Overnight Financing Rate as published by the Federal Reserve Bank of New York, plus a margin of 2.75% for owner-occupant, 3.25% for investors.
2 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 30% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in Saipan only.
Hale Kamaʻāina Mortgage Program¹
State of Hawaii Only
Program
Program
Rate
Rate
Points
Points
APR
APR
P&I
P&I
30-Year Conforming Fixed²
4.950%
1.000
5.10%
$5.34 per $1,000 borrowed for 360 Monthly Payments
Interest rates updated as of 06/01/2026
Veteran Affairs (VA) and USDA 30-Year Fixed²
4.650%
1.000
4.85%
$5.16 per $1,000 borrowed for 360 Monthly Payments
Interest rates updated as of 06/01/2026
1The Hale Kamaʻāina Mortgage Program (the “Program”) is a mortgage finance program designed to help first-time homebuyers in the State of Hawaii achieve affordable homeownership. The Program offers competitive fixed rate 30-year mortgages (Mortgage loans) and optional down payment assistance loans (DPA loans) to eligible borrowers. The availability of funds, interest rates, points, and annual percentage rate (APR) are subject to change without notice. Subject to credit and loan approval. Other terms and conditions may apply and offer subject to change or be discontinued without prior notice. For more information about the Program, please go to the official program website Hawaiʻi Housing Finance & Development Corporation | Hale Kamaʻāina Mortgage Program or contact an FHB Mortgage Loan Officer for details.
2 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a 45-day lock period. 30-day and 60-day lock pricing are also available to fit your lending needs. Subject to credit and loan approval. Other rates and terms available. Payments do not include amounts for property taxes, insurance premiums, maintenance fee, and association fee, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii only.
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