MORTGAGES

Jumbo Loans

Great rates and local experts for loans starting in the $700,000s.

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Have bigger borrowing needs?

Our no-hassle, simple online application and low rates can help get you into the house of your dreams.

FEATURES

For loans over $726,525

No prepayment penalty

Available for purchase or refinance

Available for up to 4-unit properties

JUMBO LOANS

Fixed Rate Loan Rates

Fixed Rate Loan Rates
30 Year 1 20 Year 1 15 Year 1
Interest Rate 3.250% 3.125% 2.750%
Annual Percentage Rate 3.380% 3.294% 2.948%
Points 1.625% 1.500% 1.375%
Down Payment 20% 20% 20%
Monthly Principal & Interest Payment
per $100,000 borrowed
$435.21 $560.88 $678.62

Rates as of 12/6/2019 and can change without notice. Rate is based on 45-day lock for purchase transaction.

1 For loan amounts greater than $726,525.
2 The information provided on this page is for informational and comparitive purposes only. Rates and terms may change at any time and without prior notice. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. 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. The payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.

JUMBO LOANS

Fixed Rate Loan Rates

Interest Rate
3.250%
Annual Percentage Rate
3.380%
Points
1.625%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
$435.21
Interest Rate
3.125%
Annual Percentage Rate
3.294%
Points
1.500%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
$560.88
Interest Rate
2.750%
Annual Percentage Rate
2.948%
Points
1.375%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
$678.62

Rates as of 12/6/2019 and can change without notice. Rate is based on 45-day lock for purchase transaction.

1 For loan amounts greater than $726,525.
2 The information provided on this page is for informational and comparitive purposes only. Rates and terms may change at any time and without prior notice. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. 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. The payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.

Rates as of 12/6/2019 and can change without notice. Rate is based on 45-day lock for purchase transaction.

1 For loan amounts greater than $726,525.
2 The information provided on this page is for informational and comparitive purposes only. Rates and terms may change at any time and without prior notice. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. 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. The payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.

Read more
jumbo loans

Adjustable Mortgage Rates

Adjustable Mortgage Rates
5/1 ARM 1 7/1 ARM 1 10/1 ARM 1
Interest Rate 2.500% 2.500% 2.750%
Annual Percentage Rate 3.773% 3.585% 3.487%
Time Initial Rate is Fixed 5 Years 7 Years 10 Years
Points 0.750% 1.000% 1.250%
Monthly Principal & Interest Payment
per $100,000 borrowed
$395.122 $395.122 $408.242
Current Adjusted Rate 4.375% 4.375% 4.375%
Current Adjusted Payment $499.29 $499.29 $499.29
Maximum Lifetime Caps Over Initial Interest Rate 6.000% 6.000% 6.000%
Floor Rate 2.500% 2.500% 2.500%

Interest Rates effective 12/6/2019 and are based on a 45-day lock period for purchase transactions.

For loan amounts greater than $726,525.

1Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the then current index.

2Monthly payments are per $100,000 borrowed and do not include additional costs such as taxes and insurance. Actual monthly payment will be greater.

3Since the index in the future is unknown, the Current Adjusted Interest Rate and Current Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is the average of the Interbank offered rates for one-year, U.S. dollar-denominated deposits in the London market (LIBOR) as published daily in The Wall Street Journal, plus a margin of 2.500%

jumbo loans

Adjustable Mortgage Rates

Interest Rate
2.500%
Annual Percentage Rate
3.773%
Time Initial Rate is Fixed
5 Years
Points
0.750%
Monthly Principal & Interest Payment
per $100,000 borrowed
$395.122
Current Adjusted Rate
4.375%
Current Adjusted Payment
$499.29
Maximum Lifetime Caps Over Initial Interest Rate
6.000%
Floor Rate
2.500%
Interest Rate
2.500%
Annual Percentage Rate
3.585%
Time Initial Rate is Fixed
7 Years
Points
1.000%
Monthly Principal & Interest Payment
per $100,000 borrowed
$395.122
Current Adjusted Rate
4.375%
Current Adjusted Payment
$499.29
Maximum Lifetime Caps Over Initial Interest Rate
6.000%
Floor Rate
2.500%
Interest Rate
2.750%
Annual Percentage Rate
3.487%
Time Initial Rate is Fixed
10 Years
Points
1.250%
Monthly Principal & Interest Payment
per $100,000 borrowed
$408.242
Current Adjusted Rate
4.375%
Current Adjusted Payment
$499.29
Maximum Lifetime Caps Over Initial Interest Rate
6.000%
Floor Rate
2.500%

Interest Rates effective 12/6/2019 and are based on a 45-day lock period for purchase transactions.

For loan amounts greater than $726,525.

1Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the then current index.

2Monthly payments are per $100,000 borrowed and do not include additional costs such as taxes and insurance. Actual monthly payment will be greater.

3Since the index in the future is unknown, the Current Adjusted Interest Rate and Current Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is the average of the Interbank offered rates for one-year, U.S. dollar-denominated deposits in the London market (LIBOR) as published daily in The Wall Street Journal, plus a margin of 2.500%

Interest Rates effective 12/6/2019 and are based on a 45-day lock period for purchase transactions.

1Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the then current index.

2Monthly payments are per $100,000 borrowed and do not include additional costs such as taxes and insurance. Actual monthly payment will be greater.

3Since the index in the future is unknown, the Current Adjusted Interest Rate and Current Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is the average of the Interbank offered rates for one-year, U.S. dollar-denominated deposits in the London market (LIBOR) as published daily in The Wall Street Journal, plus a margin of 2.500%

Read more

Let's talk about your home dreams

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Take advantage of our Jumbo Mortgage Loans today.
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#1 in total dollars and number of loans made in the State of Hawaii.

#1 Residential Lender ranking is for total number of residential loans and total dollars made by a lender in the State of Hawaii in 2018. Information compiled by Title Guaranty derived from Hawaii Bureau of Conveyances tax data recorded information for 2018. Information is deemed reliable but not guaranteed.

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