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Personal Banking

Home Loans

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

Special HELOC Offer

Introductory APR

7.48% APR1 Fixed for 24 months,
7.58% APR1 Fixed for 36 months, or
8.08% APR1 Fixed for 48 months.

Current APR

9.49% APR Variable rate is based on a current index and a margin as of 6/3/24.1

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 Residential Mortgage Center.

Hawaii National Bank is not required to report home mortgage loan data pursuant to 1003.3 of the Home Mortgage Disclosure Act (HMDA).

Other Loans

Construction Permanent Loans

Build your dream home with a loan based on the value of your land and proposed home. One-time closing for both the construction and permanent loan phases saves time and money.

Improved Vacant Land Loans

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

Let's Get Started

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

    Mortgage Center

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

    Contact Us

1. Terms and Conditions for the Special HELOC Offer
7.48% introductory Annual Percentage Rate (APR) will be effective for the first 24 months, 7.58% introductory APR will be effective for the first 36 months, or 8.08% 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-, 36-, and 48- month introductory APR is 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. For introductory APRs provided, the current non-introductory fully indexed variable APR, as of 6/3/24 was 9.49%, for lines with a 4.25% margin. Other fully indexed APRs are available for qualifying applications from 8.99% to 9.49%, for margins ranging from 3.75% to 4.25%, respectively. 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. For requests up to and including $400,000, the bank will cover the cost of applicant(s) credit report(s), flood certification, title insurance, mortgage recording, and exterior appraisal. Requests over $400,000 will be charged for a full appraisal ($725 - $2,000), ALTA policy ($1,820 - $6,000), and flood certification and mortgage recording fees ($52 - $100).  Payments to third parties for trust review, petition changes, attorney prepared documents, and release fees, which generally total between $0 and $1,000, may be required at closing.

A participation fee of $50 will be charged annually. The participation fee may be waived annually if you choose to enroll in Automatic Payments from a Hawaii National Bank deposit account for your credit line account. The waived fee will be reversed if you do not remain enrolled in Automatic Payments at any time throughout the entire year. 

A Prepayment Penalty fee will be assessed for early termination of HELOCs paid off by other lenders within the introductory fixed rate term. A penalty fee will not be assessed if the subject property is sold or the line of credit balance is paid off by a new HNB first mortgage loan. Prepayment penalty fees are tiered according to loan amount as follows:
Loan Amount [Prepayment Penalty fee]
$0 to $250,000 [$500]
$250,001 to $400,000 [$1,000]
$400,001 and above [$1,500]

Special HELOC offer is subject to change or discontinuation at any time without notice. Offer only valid for completed applications received for new lines of credit - no refinances. Additional terms and conditions may apply.

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