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Hawaii Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage Refinance rates in Hawaii

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4.625% Rate

30 Yr. Fixed

4.799% APR

$771 / month (est)

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Updated 12/10/2018

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5.750% Rate

30 Yr. Fixed

5.841% APR

$907 / month (est)

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Updated 12/11/2018

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5.375% Rate

30 Yr. Fixed

5.531% APR

$871 / month (est)

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Updated 12/11/2018

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Hawaii Mortgages

Most things in Hawaii tend to be more expensive than on the mainland, and housing is no exception. That's why the federal conforming loan limits consistently make allowances for Hawaii's high-cost areas.

What can make the critical difference in home affordability is finding a home loan offering low HI mortgage rates. Experienced mortgage lenders that understand Hawaii mortgage rates and real estate markets can help you save money on your next home loan or refinance deal--or even a home equity loan.

When you contact the mortgage professionals listed on this page, they'll review current HI mortgage rates (which you can also find on HSH.com's archived data, going back several decades) to uncover opportunities for you to save the most money.

Hawaii Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

For Hawaii, the conventional loan limits range from $679,650 to $721,050.

2018 Conventional loan limits for Hawaii

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Hawaii$679,650$870,225$1,051,875$1,307,175
Honolulu$721,050$923,050$1,115,800$1,386,650
Kalawao$679,650$870,225$1,051,875$1,307,175
Kauai$713,000$912,750$1,103,350$1,371,150
Maui$679,650$870,225$1,051,875$1,307,175