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*Above rates are quoted NO POINTS, Except ARMs, Based on 780 credit score, purchase loan, loan amount < $1,249,126 (except JUMBO ) and 20% down (except for VA & JUMBO) Primary Residence (except DSCR)
The rates above reflect real-time pricing from our wholesale lender network, not a single bank’s rate sheet. As a mortgage broker, C2 Hawaii shops your loan across 100+ lenders simultaneously, then hands you the best fit for your credit profile and loan type. That’s the structural difference between a broker and a retail bank: more lenders competing for your loan means more leverage on your rate.
You fill out one application. We run it against our full lender network — banks, credit unions, and wholesale-only lenders you can’t access directly — and come back with the strongest offer for your situation. Whether you’re buying your first home, refinancing, or need a specialty program like DSCR or bank-statement financing, the same network works for you.
Comparing your options costs nothing upfront. There’s no fee to see what you qualify for, no obligation to move forward, and no pressure. Get your rate, compare it against what you’re seeing elsewhere, and decide from there.
The rates above are sample pricing based on a 780 credit score and a single-family primary residence, with down payment assumptions that vary by program: 20% down for Conventional, 0% down for VA, 3.5% down for FHA, 0% down for USDA, and 25% down for Jumbo (see full assumptions below the table). Your actual rate depends on your credit score, down payment, property type, and loan amount — which is exactly why the number you see quoted elsewhere can look different from what you personally qualify for. The fastest way to know your real number: get a personalized quote, which takes a few minutes and doesn’t affect your credit.
Hawaii’s high home prices mean loan amounts here often run larger than the mainland average — pushing many purchases into $1 Million + territory. Because of that volume, many lenders compete hard for larger loans in this market with special pricing for larger loans, which can mean sharper rates here than on a comparable loan on the mainland. We shop that competition for you — our network includes both mainland lenders and local Hawaii banks, so we capture whichever side is pricing more aggressively for your loan along with who can meet your timeline objectives.
How often do mortgage rates change? Throughout the day, based on the bond market. The table above updates hourly.
Do VA loans price differently than Conventional? Yes, since VA loans carry a government guarantee — that’s why we list VA and VA Jumbo separately above.
Should I lock my rate now or wait? That depends on your specific timeline, loan type, and risk tolerance — it’s not a one-size-fits-all answer. That’s exactly the kind of question worth a quick conversation with one of our loan officers rather than a guess based on a general article.