eMortgage Hawaii offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
30 Year Fixed Conforming
15 Year Fixed
7 Year ARM
5 Year ARM
30 Year Fixed Jumbo
15 Year Fixed Jumbo
7 Year ARM Jumbo
5 Year Jumbo
100% USDA 30 Year Fixed
100% VA 30 Year Fixed
99% First Time Home Buyer Conforming 30 Year Fixed
97% Conforming 30 Year Fixed
96.5% FHA Loans with a 4.5% Grant
HARP Loans - Upside Down on Your Home?
Construction Loans
Land Loans

30 Year Fixed Conforming
Following Rates As of 9/22/2016

Term: 30 years   Maximum Amount: $625,500
RatesAPRPoints
3.375%3.496%-0.25%

15 Year Fixed
Term: 15 years   Maximum Amount: $625,500
RatesAPRPoints
2.625%2.895%0.125%

7 Year ARM
Term: 30 years   Maximum Amount: $625,500
RatesAPRPoints
3.125%3.332%0%

5 Year ARM
Term: 30 years   Maximum Amount: $625,500
RatesAPRPoints
3%3.303%0%

30 Year Fixed Jumbo
Term: 30 years   Maximum Amount: $10,000,000
RatesAPRPoints
3.5%3.581%0%

15 Year Fixed Jumbo
Term: 15 years   Maximum Amount: $10,000,000
RatesAPRPoints
3.125%3.307%0.25%

7 Year ARM Jumbo
Term: 30 years   Maximum Amount: $10,000,000
RatesAPRPoints
2.875%3.177%0.25%

5 Year Jumbo
Term: 30 years   Maximum Amount: $10,000,000
RatesAPRPoints
2.75%3.176%0.25%

100% USDA 30 Year Fixed

 Qualified borrowers can obtain 100% financing through USDA Rural Housing Authority loans.  Please call to discuss qualifying guidelines

Term: 30 years   Maximum Amount: $625,500
RatesAPRPoints
3.25%3.26%-1.625%

100% VA 30 Year Fixed
Term: 30 years   Maximum Amount: $625,500
RatesAPRPoints
3.125%3.244%-0.25%

99% First Time Home Buyer Conforming 30 Year Fixed
Term: 30 years   Maximum Amount: $625,500

97% Conforming 30 Year Fixed
Term: 30 years   Maximum Amount: $625,500

96.5% FHA Loans with a 4.5% Grant

HARP Loans - Upside Down on Your Home?

Construction Loans
RatesAPRPoints
4.375%4.475%1%

Land Loans
RatesAPRPoints
5.375%6.127%2%



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $625,500 with closing costs of $12,510. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $2,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.