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loans for every need (or want)

AUTO - HOME - PERSONAL - CREDIT CARDS

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HOME EQUITY + HOME EQUITY LINES OF CREDIT (HELOC)
No pre-payment penalties or annual fees! 

Home Equity Loans are a smart way to borrow for home improvements, education, vacation or debt consolidation. 

Advantages
  • Low Rates
  • Fixed Rate Options
  • Up To 15 Year Terms
  • Easy source of cash
  • Interest may be tax deductible (consult your Tax Adviser for details)
  • No Pre-Payment Penalties
  • No Annual Fees
  • Borrow up to $625,500 for a Closed End Loan or $300,000 for a HELOC adjustable or fixed advance.


  • 30 YEAR MORTGAGES Conventional, Investment, First-Time Home Buyer

    If you are looking for a great mortgage rate in Hawaii, consider a 30 Year Mortgage from Pearl Hawaii. As a mortgage lender with over 80 years of experience, we offer a variety of home loan options to our members.




    HELOC FIXED ADVANCES

    This is a customizable Home Equity Line of Credit (HELOC) with fixed rate options. You can use the loan for what you want, when you want, and you can even use the fixed rate option to pay off the Annual or Semi-Annual HELOC. 




    CLOSED END SECOND MORTGAGE LOANS Primary Residence or Investment Property 

  • Fully amortized 7 year Fixed Rate Loan
  • Fully amortized 12 year Fixed Rate Loan-Investment
  • Fully amortized 15 year Fixed Rate Loan- Owner Occupied
  • Borrow up to $625,500 (loan-to-value ratio cannot exceed 80% for primary residence and 70% for investment property).



  • HOME EQUITY LINES OF CREDIT (HELOC) Annual or Semi-Annual 

    If you need access to cash quickly and periodically, this is the plan for you. This variable rate line of credit provides home owners with the opportunity to use the equity in their primary residence to obtain a credit limit of up to $300,000 (subject to the loan-to-value ratio, not exceeding 70% or 80%). The convenience of writing checks is available. Initial advance of $1000, no annual fees.




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