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Current Mortgage Rates Hawaii

Current Hawaii Mortgage Rates

Makai Mortgage stands by our commitment to offer some of the most competitive mortgage interest rates in Hawaii. Whether you are buying your first home, looking to refinance, or are an investor seeking to maximize your return, our experienced team offers a wide variety of financing products for your individual real estate needs. 

Current rates as of October 10, 2022

Type Rates Points APR
Conforming 30-year fixed 6.625% 1.82 6.86%
Jumbo 30-year fixed 6.125% 2.13 6.46%
7/6 ARM 5.625% 1.75 5.91%


To learn more or to get started on your application process, please contact one of our Mortgage Loan Originators.  

Rates as of 10/03/2022 and can change without notice. Rate is based on 45-day lock for purchase transaction. 

1. 20% down / lower down payment options available

2. Maximum loan amount $970,800

3. Conforming rates are based on a $800,000 loan amount with 20% down.

4. Jumbo loan amounts from $970,801

5. Jumbo rates are based on a $1,000,000 loan amount with 20% down

6. Rate quote is based on a minimum FICO of 740

7. Lower FICO scores eligible with a higher rate

*The 15/30 is a 15-year fixed rate balloon that is amortized over 30 years for a lower payment

For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Your actual rate, payment, terms, and costs could be different. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.