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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.800%APR 6.828% | 0 pts$0 | $4,786/moP&I $4,786 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.959%APR 6.928% | 0 pts$0 | $4,801/moP&I $4,459 · MI $342 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.842%APR 5.881% | 0 pts$0 | $4,327/moP&I $4,327 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.497%APR 6.524% | 0 pts$0 | $4,639/moP&I $4,639 · MI $0 | See details |
| Investment Property FixedConforming | 7.449%APR 7.481% | 0 pts$0 | $5,108/moP&I $5,108 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.842% | 5.881% | 0 pts ($0) | $6,133/mo | $120,370 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.840% | 5.880% | 0 pts ($0) | $7,665/mo | $168,304 |
Condo 10% Down | 10% | 720 credit score | 6.980% | 7.137% | 0 pts ($0) | $5,484/mo | $191,347 |
Conventional 10% Down | 10% | 720 credit score | 6.615% | 6.764% | 0 pts ($0) | $5,283/mo | $182,265 |
Conventional 20% Down | 20% | 740 credit score | 6.800% | 6.828% | 0 pts ($0) | $4,786/mo | $147,383 |
Conventional 5% Down | 5% | 700 credit score | 6.078% | 6.997% | 0 pts ($0) | $5,271/mo | $178,305 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.195% | 7.226% | 0 pts ($0) | $6,226/mo | $213,050 |
Conventional High Balance | 10% | 740 credit score | 7.018% | 7.047% | 0 pts ($0) | $5,505/mo | $187,337 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.884% | 6.900% | 0 pts ($0) | $5,853/mo | $211,665 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.497% | 6.524% | 0 pts ($0) | $5,799/mo | $193,750 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $7,573/mo | $180,553 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.959% | 6.928% | 0 pts ($0) | $5,379/mo | $188,456 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $5,560/mo | $194,646 |
FHA Streamline Refi | 0% | 640 credit score | 6.075% | 7.046% | 0 pts ($0) | $5,643/mo | $198,546 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.350% | 7.595% | 0 pts ($0) | $6,007/mo | $219,551 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $5,741/mo | $112,409 |
Investment Property 25% Down | 25% | 740 credit score | 7.449% | 7.481% | 0 pts ($0) | $4,788/mo | $151,640 |
Jumbo Conforming | 20% | 760 credit score | 7.079% | 7.108% | 0 pts ($0) | $4,923/mo | $153,556 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $5,336/mo | $163,616 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.425% | 7.401% | 0 pts ($0) | $5,651/mo | $201,082 |
Second Home 10% Down | 10% | 720 credit score | 5.968% | 6.685% | 0 pts ($0) | $4,935/mo | $166,191 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $4,827/mo | $149,241 |
VA 0% Down | 0% | 700 credit score | 6.048% | 6.286% | 0 pts ($0) | $5,649/mo | $186,706 |
VA Cash-Out Refi | 0% | 640 credit score | 6.053% | 6.415% | 0 pts ($0) | $5,652/mo | $186,847 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.065% | 6.211% | 0 pts ($0) | $5,660/mo | $187,185 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $5,050/mo | $159,756 |
Frequently Asked Questions
What are today's mortgage rates in Waihee-Waiehu, HI across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in Waihee-Waiehu, HI is 6.800% (with an estimated monthly payment of $4,950). Active program rates also include FHA 30-year fixed loans at 5.959% and VA 0%-down fixed loans at 6.048%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in Waihee-Waiehu, HI?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in Waihee-Waiehu, HI have fluctuated between a low of 6.400% and a high of 6.858%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in Waihee-Waiehu, HI?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $917,695 in Waihee-Waiehu, HI, a standard 20%-down Conventional loan requires an upfront cash down payment of $183,539 but keeps your monthly payment lower at $4,950/mo (at 6.800% interest) with no monthly PMI. In comparison, an FHA loan requires only $32,119 (3.5% down) but has an estimated payment of $5,563/mo (at 5.959% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $885,576 falls comfortably within the local HUD FHA loan limit of $1,055,349 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in Waihee-Waiehu before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in Waihee-Waiehu is $806,501. With a typical local home value of $917,695 in , a standard 20%-down mortgage requires a loan size of $734,156. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in Waihee-Waiehu, HI impact estimated mortgage payments?
The median home value in Waihee-Waiehu, HI is estimated at $917,695. Buying a typical home here with a standard 20% down payment ($183,539) translates to an estimated starting monthly mortgage payment of $4,950 (principal and interest). Compared to the local area median household income of $122,288 ($10,191/mo), this basic housing payment represents approximately 48.6% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.