Hawaii Mortgage Information

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Current Mortgage Rates
Type of Loan	Rate*        APR*
5 Year ARM	5.821% 5.033%
15 Year Fixed	5.243% 5.288%
30 Year Fixed	5.729% 5.717%
Home Equity Loan	7.420% 5.740%
HELOC	6.305% 6.990%
*Rates & APRs are based on Rate Observer .

Need a home equity loan in Hawaii?  Frequently used Hawaii Home equity loans are: Hawaii 125 Cash Out Home Equity Loans, Hawaii Cash Out Home Equity Loans, Hawaii Refinance Loans, Hawaii Bad Credit Home Equity Loans, Hawaii Home Equity Lines of Credit (HELOC), and Hawaii Second Mortgages.  Maybe we can help you if you are just looking for more information about Hawaii Home Equity Loans.

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Not sure what kind of Hawaii home equity loan you are looking for?  Then start by looking at Credit Unions, Banks, Mortgage Brokers, or Savings and Loans that lend in Hawaii.

Some quick facts on Hawaii owner occupied homes with a mortgage¹ :

• The median price of a home in Hawaii is $368,149.
• 77.6% of home owners in Hawaii have only a single mortgage.
• Only 0.8% of Hawaiian home owners have both a second mortgage and a home equity loan.
• While the median income for all of Hawaii is $63,813, the median income for owner occupied homes in Hawaii with a mortgage is $78,762.
• The median monthly housing cost in Hawaii is $1,648.
• Hawaii Median Annual real estate taxes are $845.
• While the national average Expedian Credit score is 678, the average for Hawaii is 691.
• Non-business bankruptcies in Hawaii have gone from 4,486
   in 2000 to 3,065 in 2004.

The state regulator for Hawaii mortgages is Kathryn S. Matayoshi

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 STATE OF HAWAII
 Department of Commerce and Consumer Affairs
 1010 Richards Street
 Honolulu, Hawaii 96801

Phone: (808) 586-2850

Website: http://www.hawaii.gov/dcca

 The Hawaii Department of Commerce and Consumer Affairs, Professional and Vocational Licensing Division, regulates Hawaii mortgage brokers and solicitors. Although Hawaii mortgage bankers are not separately licensed, most mortgage bankers are required to be licensed as mortgage brokers in Hawaii. Hawaii law defines “mortgage broker” as a person “who for compensation or gain… either directly makes, negotiates, [or] acquires… a mortgage loan on behalf of a borrower seeking a mortgage loan.” A list of licensed mortgage brokers and solicitors is available for approximately $58.00 from the Professional and Vocational Licensing Division. Submit your written request, along with your payment (checks made payable to Commerce and Consumer Affairs) to: Mortgage Brokers and Solicitors Program, Professional and Vocational Licensing Division, P.O. Box 3469, Honolulu, Hawaii 96801² .

Hawaii Counties:

Hawaii County, Honolulu County, Kalawao County, Kauai County, Maui County

Source
-US Census

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