**A $200,000 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 360 principal and interest monthly payments of $1,280.62 based on a 30 Year Fixed Rate at 6.625% with 1.875 points and 6.961% APR.

**+A $200,000 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 180 principal and interest monthly payments of $1,660.82 based on a 15 Year Fixed Rate at 5.750% with 1.875 points and 6.277% APR. 

The payments shown above do not include taxes and insurance premiums, actual payment obligations will be greater. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $1,209,750. Rates effective 1/9/25 and are subject to change without notice. Other restrictions may apply.  Additional rates and terms available.