Mortgage Program	Rate	Points	APR*
Home Equity Line of Credit**	7.00%		7.00%+
15 Year Fixed Rate++	***		***
15/30 Year Fixed Rate +++	***		***

*APR = Annual Percentage Rate
Rates are based on individual credit evaluation
 

**$100,000 or up to 80% loan-to-value ratio, whichever is less.  Secured by a first or second mortgage lien on a fee-simple, owner-occupied residence located in Hawaii.  There are no application fees, no annual fees, no early closure fees, no pre-payment penalties, and no balance transfer fees.  There are no points or origination fees. 
+The variable rate is based on the Federal Home Loan Board 11 District Cost of Funds Index plus 2.75%, rounded up to the nearest 1/4%.  The rates will be adjusted semi-annually on January 1 and July 1 of each year, but will not exceed 18%. Current adjustable rate is effective January 1, 2009 through June 30, 2009. Thereafter, interest rate will adjust in accordance with the terms of the Agreement.   Monthly payment on a $10,000 loan is $200.00.
++Repayment example on a $100,000. with a 6.25% APR and no points:
Term of 15 years @ 180 monthly payments of $858.00 P & I and total interest paid of $54,268.55.
+++Repayment example on a $100,000. with a 6.50% APR and no points:
Term of 15/30 years @ 359 monthly payments of $633.00 P & I and one (1) Balloon Payment of $72,909.12.

***Call 808-682-4511 for loan rates