FINANCE UP TO 100% LOAN-TO-VALUE

Have some big plans for 2022? Your home can help! Our Home Equity Line of Credit (HELOC) can help you achieve your wildest dreams. Use the extra funds to build an ohana suite, go on that long-awaited vacation, or pay off high interest debt – the choice is yours!

HOW TO APPLY

Please contact us at 808-777-5626 if you have any questions.

^{*APR – An*APR=Annual Percentage Rate.  Rates effective as of 1/1/2022 and are subject to change without notice.  HOCU membership required.  Program is for fee-simple owner occupied properties located in Hawaii with combined loan to value ratios above 80% and no more than 100%.  You can obtain credit advances for 8 years (draw period).  At the time you establish the plan you will have your choice of a 216 or a 360 month payoff period.  You must pay certain fees to third parties to open the plan.  These fees generally total between $250.00 and $3,500.00.  If you ask, we will provide you with an itemization of the fees you will have to pay third parties.  Property insurance is required.¹Up to 90% LTV HELOC Program: maximum credit limit $200,000, for qualified borrowers with a minimum credit score of 660.  Subject to credit approval.  Home Equity Line of Credit is a variable rate loan.  The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added.  This rate is adjusted quarterly (4.99% APR min. & 18.00% APR max). ²Up to 100% LTV HELOC Program: Maximum credit limit $150,000, for qualified borrowers with a minimum credit score of 720.  Subject to credit approval.  Home Equity Line of Credit is a variable rate loan.  The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added.  This rate is adjusted quarterly (5.99% APR min. & 18.00% APR max).}