You want a home where you are comfortable, secure and happy for years to come. We believe your home loan should offer all that, too.

You have options for your future

Whether you're purchasing a home or looking to save money by refinancing, Maui County FCU mortgages can open the door to opportunities.

10, 15 and 30-year Mortgages

We offer fixed rates so you can budget with confidence and adjustable-rate mortgages that can provide lower rates for a fixed period of time before adjusting based on market conditions.

Low Down Payment Loans

Purchase or refinance your home with as little as 5% down with our 95% Loan to Value (LTV) mortgages.

  • Not limited to first time homebuyers
  • No income or sales price limits (loan limits do still apply)
  • Gift or grants can possibly be used for the down payment
  • Seller concessions allowed
  • Single family primary residences only (including eligible condos)
  • Purchase or refinance
  • Homebuyer counseling may be required
  • Mortgage insurance may be tax deductible

Reverse Mortgage Loans

A reverse mortgage can be used to get monthly distributions, pay off debts, complete home repairs/upgrades, refinance an existing mortgage, or to purchase a new home.

  • These are Home Equity Conversion Mortgages (HECMs) / Government Insured Reverse Mortgage Loans
  • No monthly mortgage payments.
  • Borrower must meet requirements of the HECM program:
    • Must be age 62 or older.
    • Maintain and live in the home as your primary residence.
    • Continue to pay for property related charges such as property taxes, homeowner’s insurance, etc.
    • Participate in a consumer information session given by a HUD-approved HECM counselor. 
    • Subject to credit and underwriting approval.
  • Can allow you to use your equity to support you in aging in your current home.

VA Loans

We’re grateful for the service of veterans and would like to show our gratitude by helping veterans with the purchase of a new home with our special mortgages just for Veterans. You have sacrificed so much with your military service, but with 100% financing you do not have to sacrifice when it comes to buying a home. Our VA Loan Program features:

  • 100% LTV financing with minimum mortgage insurance
  • No income limits or restrictions
  • Expanded qualifying ratios and flexible credit guidelines
  • Maximum loan amounts apply
  • VA Funding fee of 2.15% or 2.40% based on military status (financeable)
  • Do not need to be a first-time homebuyer, can be used for new purchases and refinance

Whichever mortgage you choose, you'll benefit from low rates, flexible repayment options and other features designed to fit your budget and lifestyle.

Which type of mortgage is best for you? Our friendly mortgage team can help you sort through the alternatives. Email us at [email protected].