Residential Mortgage Loans
Count on our locally based mortgage staff, which averages more than 20 years of experience, to provide competitive rates and value-added service. We offer fixed and adjustable-rate loans for the improvement, construction, purchase or refinance of your residence or investment property.
Choose your terms and lock in an interest rate for the life of your mortgage, with 15- and 30-year loans offering the purchasing power and peace of mind you need when finding your dream home. Already have a mortgage? Refinance for a lower interest rate, to decrease your payments or convert to a fixed-rate loan. Our competitive rates and experienced lending team ensure that you get the right mortgage, whether this is your first home or you are revisiting the home-buying process.
Adjustable Rate Mortgage Loans
While fixed-rate loans stay the same for the life of the mortgage, adjustable-rate loans are subject to change periodically, giving you greater flexibility on your home purchase with a lower initial rate and payments. Adjustable-rate mortgages are ideal for prospective home buyers who may plan to own a home for a limited time or who expect an increase in future earnings.
Types of adjustable-rate mortgages available:
- 1 – Year ARM
- 3/1 ARM
- 5/1 ARM
- 7/1 ARM
Build your dream home with a loan based on the value of your land and the cost of construction. You pay interest only until your home is completed, at which time your loan will be easily converted to a permanent fixed-rate or adjustable rate mortgage.
Have you found the perfect home, but still need to sell your current residence? The short-term bridge loan offers 12-month and 24-month terms to give you the financing you need when you need it most.
Improved Vacant Land Loans
Buy land now and build later with a loan that is amortized over 30 years, with the balance due in three years. Qualifying lots must have public water and sewer.
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act), is a federal law that requires the licensure of mortgage loan originators according to national standards and participation in the Nationwide Mortgage Licensing System and Registry (NMLS). These standards are designed to enhance customer protection by providing greater uniformity and transparency in the mortgage industry. For a complete listing of Hawaii National Bank mortgage loan officers and their national mortgage license number, click here.
Residential Mortgage Loan Packet