Home Loans

Take the first step towards you next home. Explore your options with us.

Home Ownership, Realized

Bring your dreams home with the right mortgage product for you.

01
Experience Matters

Work with a trusted team of banking experts and loan officers in realizing your home goals. Whether you’re a first time home buyer or investor — we understand your needs and will help you find the perfect product.

02
Here Until The End

It’s not enough for us to help you get the keys to your new home. At HOCU, we will offer services and support well after purchase to ensure a smooth process.

03
Quick Turnaround

Tired of waiting 60 to 90 days to close? HOCU can help you close in 45 days or less.

04
Get Prequalified

Get a prequalification within 2 business days.

Mortgage Products

Owner Occupied – Conventional 1st Mortgage
Most Popular

QUICK FACTS

Call 777-5626 for rates

  • No prepayment penalty
  • Serviced in Hawaii
Rates and points based on term and subject to daily change.

Owner Occupied – Fixed 2nd Mortgage

QUICK FACTS

Call 777-5626 for rates

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.

  • No prepayment penalty
  • Serviced in Hawaii
Rates based on term and subject to daily change.

Rental/Investor Property – Fixed 2nd Mortgage

QUICK FACTS

Call 777-5626 for rates

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 suite all your needs. Maximize your property value with us!

  • No prepayment penalty
  • Serviced in Hawaii
Rates based on term and subject to daily change.

Owner Occupied – Balloon 1st Mortgage

QUICK FACTS

Call 777-5626 for rates

  • No prepayment penalty
  • Serviced in Hawaii
Rates and points are based on term and subject to daily change.

Rental/Investor Property – Balloon 1st Mortgage

QUICK FACTS

Call 777-5626 for rates

  • No prepayment penalty
  • Serviced in Hawaii
Rates and points are based on term and subject to daily change.

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.

Rental/Investment Property

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!

Balloon Mortgages

Mortgages get expensive and life can get tough with high rates. With our balloon mortgages, start at lower interest rates so you can make live your best life without hitting the brakes.

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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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!

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