VA Home Loans
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For service members, veterans and qualifying family members.
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Fixed VA Mortgage Rates
| Interest Rate |
|
Annual Percentage Rate |
|
Points |
|
Down Payment |
|
Monthly Principal & Interest Payment per $100,000 borrowed |
|
|---|---|---|---|---|---|---|---|---|---|
|
30 Year - Hawaii |
5.625% |
6.147% 1 |
1.875% |
0% |
$575.66 2 |
||||
|
30 Year - Guam |
5.625% |
6.147% 1 |
1.875% |
0% |
$575.66 2 |
Rates for Hawaii as of 04/03/2026 and for Guam as of 04/06/2026 and can change without notice. Rate is based on a 60-day lock period for purchase transactions.
The information provided on this page is for informational and comparative purposes only. 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.
1 APR includes a 3.30% VA funding fee.
2 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.
100% financing option available
VA funding fee can be financed
Competitive rates for fixed rate mortgages
Owner-occupied
Financing for Single Family 1-4 units, Planned Unit Developments and VA approved condominiums
Purchase and Refinancing available including VA Interest Rate Reduction and Cash out refinancing
Low or no down payment requirements
No pre-payment penalty
Flexible guidelines
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Trusted Lender
In 2025, Bank of Hawaiʻi was the No. 1 overall residential real estate lender in the state.+
+In number and dollars of residential real estate loans originated in 2025, using data from the Hawaii Bureau of Conveyances.
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