Use the equity in your home to finance your major goals.
Say yes to every opportunity that presents itself. You can borrow when you need it and in the amounts you need. Only pay what you’ve borrowed.
Enjoy a fixed rate of 1.99% for the first 24 months.
Zero annual fee throughout the loan life.
HOCU allows extra payments or loan payoffs before the maturity date without penalty.
HOCU allows you to borrower up to 80% of the value of your house.
Save money on closing cost with up to a $550 closing cost credit.
We offer Home Equity LOC on your Owner occupied property with a loan to value up to 80% with a 18 or 30 year repayment.Apply Now
Loan Options to Suit Your Home Needs
At HOCU, we have products and service expertise to help assist in purchasing your first home, refinancing an existing mortgage, and even leveraging into your home’s equity. Talk with us to see which option is best for you.
Owner Occupied 2nd Home
Life changes as you do. Whether it’s career advancement or looking for a vacation home, we understand the importance of owning your 2nd home. Contact us today for more information.
Navigating through the finances of a rental or investment property can be a hassle. We make it easy for you to find the right mortgage that will suit all your needs. Maximize your property value with us!
A better financial future is within reach. Get in touch to get started!
With over 30,000 surcharge-free CO-OP network ATMs across Hawaii and nationwide, HOCU makes accessing your money easier for you. Call us at 777-JOIN to learn more!