Expanded Mortgage Programs

Unlock Your Path to Homeownership

Let’s Open Doors to Your Future

We know that buying a home can be intimidating, especially if you’re new to the process. Here at HOCU, we offer multiple options to help you finance your dreams.

Little to No Downpayment

Pay as little as 0% down for your home.

Credit Union Advantage

Search, shop and finance all in one place.

No Prepayment Penalty

HOCU allows extra payments or loan payoffs before the maturity date without penalty.

Competitive Interest Rates

Secure your home without breaking the bank.

Latest Mortgage Programs

VA Loans


Call 808-777-5613 for rates.

This option is available for veterans, service members, and their surviving spouses who are looking to purchase a home or refinance.

  • No prepayment penalty
  • No private mortgage insurance (PMI) needed
  • 100% financing
  • Less restrictive debt ratio
  • Only for properties in the state of Hawaii

FHA Loans


Call 808-777-5613 for rates.

This option is perfect for the first-time buyer looking to achieve homeownership.

  • 3.5% minimum down payment
  • No prepayment penalty
  • Mortgage insurance required
  • Only for properties in the state of Hawaii

ONE+ Mortgage


Call 808-777-5613 for rates.

ONE+ is for eligible first-time home buyers and repeat home buyers who make less than or equal to 80% of the area median income (AMI) of the location they’re buying in.

  • For purchase only
  • 1% down payment only
  • Maximum loan amount of $350,000
  • For primary residence only
  • Only for properties in the state of Hawaii

Start Your Homeowner Journey Now

Fill out your details below and a team member will respond shortly.

Let HOCU Help You

A better financial future is within reach. Get in touch to get started!


General Inquiries: (808) 777-JOIN [5646]
Loan Inquiries: (808) 777-LOAN [5626]
Email: info@myhocu.com


Apply Online

To become a member and gain access to the benefits a credit union brings.

Visit Us

At one of our 5 convenient locations.

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!

You are now leaving myhocu.com

HOCU provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by HOCU, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL