Waipahu, HI Mortgage Rates and Refinance Rates

Mortgages in Waipahu, HI: Find the best Waipahu, HI mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Waipahu, HI, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Waipahu, HI. Another option is searching for Waipahu, HI refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Waipahu, HI mortgage rates or refinance rates.

Search and Compare Waipahu, HI Mortgage Rates & Refinance Rates

Loan Type
Purchase    Refinance
State/City    Zip Code
Loan Amt Points FICO % Down
in 96801, All points, 740    Sort by:
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Waipahu, Hawaii Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Waipahu, HI are the most popular type of mortgages rates you can find advertised for home buyers in Waipahu, HI. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Waipahu, HI mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Waipahu, HI banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Waipahu, HI conforming mortgage rates and refi rates lower than Waipahu, HI jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Waipahu, HI home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Waipahu, Hawaii

Jumbo mortgage rates in Waipahu, HI are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Waipahu, HI and adjustable mortgage rates in Waipahu, HI. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Waipahu, HI make.

Waipahu, Hawaii Fixed Mortgage Rates and Fixed Refinance Rates

Waipahu, HI fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Waipahu, Hawaii Adjustable Mortgage Rates

Adjustable Waipahu, HI mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Waipahu, HI are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Waipahu, HI. Most adjustable mortgages in Waipahu, HI have yearly caps and life time maximum caps on how high the interest rate can fluctuate.

Google Map for Waipahu, HI Rates & Resources

Waipahu FDIC Insured Banks

Bank Name

FDIC Cert Number


Bank of Hawaii

18053 94-661 Kupuohi St., Waipahu, HI 96797

Bank of Hawaii

18053 94-712 Farrington Highway, Waipahu, HI 96797

Bank of Hawaii

18053 94-817 Lumiaina Street, Waipahu, HI 96797

Central Pacific Bank

17308 94-210 Pupukahi Street, Waipahu, HI 96797

Central Pacific Bank

17308 94-615 Kupuohi Street, Unit A1, Waipahu, HI 96797

First Hawaiian Bank

17985 94-205 Leoku Street, Waipahu, HI 96797