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Home Loans

Taking out a Hawaii home loan is a big decision. We’re here to help.

Special HELOC Offer

Introductory APR

0.98% APR1 Fixed for 24 months,
1.68% APR1 Fixed for 36 months, or
2.28% APR1 Fixed for 48 months.

Current APR

4.30% APR Variable rate is based on a current index and a margin as of 11/1/21.

Terms & Conditions

First Time Home Buyer Promotion

Get half a percent discount on points AND a $500 closing cost credit2

  • 0.5% discount on points
  • $500 lender credit at closing
  • Automatic payment from a Hawaii National Bank checking account required

For more information, please call our Residential Mortgage Team at (808) 528-7838 or email

Terms & Conditions

Home Equity Loans & Lines

A Home Equity Line of Credit uses your home’s equity to create a line of credit for home improvement, trips, or any of life’s emergencies. A HELOC provides ongoing borrowing power, with convenient checks for easy access and can help with major expenses such as home expansions.

Prime Plus Home Equity Credit Line

  • A revolving line of credit secured by the equity in the borrower's home or investment property
  • Converts the home's equity into available cash
  • Credit line is accessed with special checks
  • Unrestricted use
  • Repayment replenishes credit reserve
  • Up to $250,000 credit reserve

Prime Plus Investment Equity Credit Line

  • A revolving line of credit secured by an income producing investment property
  • Credit reserve is replenished as funds are repaid

Home Equity Loans

  • A term loan based on the equity of a residence or investment property
  • Unrestricted use


Fixed-Rate Mortgages

Choose your terms and lock in an interest rate for the life of your mortgage loan, with 15 and 30-year loans offering the purchasing power and peace of mind you need when finding your dream home.

Adjustable-Rate Mortgages

Adjustable-rate mortgages are ideal for home buyers who plan to own a home for a limited time or who expect an increase in future earnings. While fixed-rate loans stay the same for the life of the mortgage, adjustable-rate loans are subject to periodic change, giving you greater flexibility on your home purchase with a lower initial rate and payments.

Already have a mortgage?

Consider converting to a fixed-rate loan or refinancing for a lower interest rate to decrease your payments. Our competitive rates and experienced lending team will work with you to get the mortgage that helps you save in the long-term.

Calculate Your Monthly Payment and view our helpful resources.

To open an account, visit our online Mortgage Center.

Other Loans

Construction Loans

Build your dream home with a loan based on the value of your land and the cost of construction. You pay interest only until your home is completed, at which time your loan will be easily converted to a permanent fixed-rate or adjustable rate mortgage.

Bridge Loans

Have you found the perfect home, but still need to sell your current residence? The short-term bridge loan offers 12-month and 24-month terms to give you the financing you need when you need it most.

Improved Vacant Land Loans

Buy land now and build later with a loan that is amortized over 30 years, with the balance due in three years. Qualifying lots must have public water and sewer.

Let's Get Started

    To check rates, calculate a quote or apply, visit our Mortgage Center.

    Mortgage Center

    Questions? We're here to help online or over the phone.

    Contact Us
The SAFE Act

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), is a federal law that requires the licensure of mortgage loan originators according to national standards and participation in the Nationwide Mortgage Licensing System and Registry (NMLS). These standards are designed to enhance customer protection by providing greater uniformity and transparency in the mortgage industry. For a complete listing of Hawaii National Bank mortgage loan officers and their national mortgage license number, click here. Residential Mortgage Loan Packet.

1. Terms and Conditions for the Special HELOC Offer
0.98% introductory Annual Percentage Rate (APR) will be effective for the first 24 months, 1.68% introductory APR will be effective for the first 36 months or 2.28% introductory APR will be effective for the first 48 months from the date your Hawaii National Bank Home Equity Line is opened, subject to change or discontinuation without notice. The 24 and 36 month introductory APR is available on both the Interest only or Principal and Interest Payment Plan. The 48 month introductory APR is only available on the Principal and Interest Payment Plan. After the introductory period, the rates are variable. The rate will be based on an index plus a margin and may vary quarterly. The index rate used is the average 13-week Treasury Bill, rounded to the nearest one-hundredth of a percent. The margin applied is determined by your credit score and repayment terms you select at the time your account is opened. The non-introductory fully indexed variable APR as of 11/1/21 was 3.80% to 4.30%. Upon the expiration of your introductory rate; the APR will be adjusted on the 1st business day of every January, April, July, and October, but will not exceed 24.00%. Approval for this home equity line offer requires you to meet our credit criteria, income ratios and loan to value guidelines. Minimum credit line is $10,000. Maximum loan to value is 75%. Property must be 1 - 4 family owner occupied and applicable flood, hurricane, and property insurance is required. A participation fee of $50 will be charged annually. The participation fee will be reduced by: a) $25 annually if you choose to enroll in Automatic Payments for your credit line account; and/or b) by $25 if you elect to receive electronic statements for your credit line account. The reduced fee will be reversed if you do not remain enrolled in Automatic Payments and/or elect to receive printed statements at any time throughout the entire year. Offer only valid for applications received for new lines of credit - no refinances. Additional terms and conditions may apply. $500 early termination fee if HELOC is closed within 3 years of origination and within 4 years of origination for a 4 year fixed loan. Offer subject to change or discontinuation at any time without notice.

2. First Time Home Buyer Promotion
This offer is applicable for first time home purchase transactions financed through Hawaii National Bank through December 31, 2021. Automatic payment from a new or existing Hawaii National Bank checking account is required and must be established at mortgage closing. If a borrower opts out of automatic payment or if a Hawaii National Bank checking account is not established at loan closing, this offer will not apply. Offer good for owner-occupant, 1-4 unit single-family dwellings and condominiums only. An individual will be considered a first time home buyer if they (1) are purchasing the subject property; (2) will reside in the subject property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three years preceding the date of the purchase of the subject property. Offer valid for Hawaii properties only. Subject to applicant satisfactorily meeting loan underwriting requirements. Offer subject to change or discontinuation at any time without notice.