This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Home > Loans & Mortgages > Real Estate > First Mortgage

First Mortgage


Looking to buy your first home or interested in refinancing your current mortgage? If so a first mortgage from HFS FCU may be right for you. Through our partnership with CU Members Mortgage, HFS is able to offer a variety of loan terms at the most competitive rates available, plus you can feel confident that you will be working with a trusted credit union partner. Let HFS FCU help you with your home purchase or refinance and enjoy valuable features such as:

  • Competitive fixed interest rates
  • Terms up to 30 years 
  • Borrow up to 80% of the appraised value of the home (financing up to 97% may be available with private mortgage insurance)
  • Low closing costs
  • No prepayment penalties

Already own your home? If so take advantage of historically low rates and refinance your mortgage today. We may be able to save you money and lower your monthly payment.

Click here for more information regarding a First Mortgage or contact the credit union at (808) 930-1400.

Apply for a HFS FCU Loan

SAFE Act Information
On July 28, 2010 the Nation Credit Union Association (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLOs to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Upon completing this registration, each MLO is provided with a Unique Identifier number from the NMLS. An MLO must provide this Unique Identifier number to each mortgage loan applicant upon request and prior to the employee acting as an MLO.

Click here for a listing of our Mortgage Loan Originators.
Please visit the NMLS registry website for more information.

© 2017 HFS Federal Credit Union
National Credit Union AdministrationEqual Housing Lender

Federally insured by NCUA.
We do business in accordance with the Federal Fair Housing Law.