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.

01
Little to No Downpayment

Pay as little as 0% down for your home.

02
Credit Union Advantage

Search, shop and finance all in one place.

03
No Prepayment Penalty

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

04
Competitive Interest Rates

Secure your home without breaking the bank.

Latest Mortgage Programs

VA Loans

QUICK FACTS

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
Rates and points are subject to daily change.

FHA Loans

QUICK FACTS

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
Rates and points are subject to daily change.

ONE+ Mortgage

QUICK FACTS

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
Rates and points are subject to daily change.

Start Your Homeowner Journey Now

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Let HOCU Help You

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

Call HOCU

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

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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!

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