Real Estate Loans

Home is always where the heart is. That’s why we offer our members a variety of loan options to help you secure or improve your real estate here on the island. We work with you to give you the tools and knowledge needed to make an educated choice, the choice that’s right for you, your family and your home.

If you have questions, contact us to say aloha or schedule an appointment with one of our lending team members.

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Fixed Rate Mortgage Loans

Finance up to 80% of the value of your home, as high as $650,000. for 15 years, 20 years, or 30 years with 15 year balloon.

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Land Loans

Borrow up to $350,000 or 75% of your loan value for 15 years fixed.

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Adjustable-Rate Home Equity Line of Credit (HELOC)

Borrow up to 80% of the equity value in your home, for any reason, up to $350,000 for up to 20 years.

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Real Estate

Rates Updated: 08/04/17

Loan Type Amount Mortgage Term APR*
Mortgage Loans (Owner) Up to 80% of home value or $726,000    
First Mortgage   Up to 30 years Contact Us for Rates
    30 years with 15 year balloon Contact Us for Rates
Second Mortgage 75% Loan to Value up to $750,000 Up to 30 years Contact Us for Rates
    30 years with 15 year balloon Contact Us for Rates
HELOC   Up to 20 years Contact Us for Rates
Land Loan 90% Loan to Value up to $350,000 Up to 20 years Contact Us for Rates

 

*APR = Annual Percentage Rate. 30-year Fixed-Rate Mortgage Every $100,000 borrowed at 3.375% on a 30-year mortgage is $442.10 per month, APR*= 3.537
15-year Fixed Rate Mortgage Every $100,000 borrowed at 2.75% on a 15-year mortgage is $678.62 per month, APR*= 3.039
Rates sample reflects borrowers with excellent credit history, direct deposit with KGEFCU, and a 0.5 point
buy down. Rates are subject to change without notice. Federally insured by NCUA. Equal Housing Opportunity.

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