Hawaii 5/1 Year ARM Refinance Mortgage Rates 2025

Compare Hawaii 5/1 Year ARM Conforming Refinance Mortgage Rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information.

10-Year Fixed Mortgage 15-Year Fixed Mortgage 20-Year Fixed Mortgage 30-Year Fixed Mortgage 30-Year FHA Mortgage 5/1 ARM Mortgage 7/1 ARM Mortgage 10/1 ARM Mortgage 15-Year Fixed Jumbo Mortgage 20-Year Fixed Jumbo Mortgage 30-Year Fixed Jumbo Mortgage 5/1 ARM Jumbo Mortgage 7/1 ARM Jumbo Mortgage 10/1 ARM Jumbo Mortgage 10-Year Fixed Mortgage Refinance 15-Year Fixed Mortgage Refinance 20-Year Fixed Mortgage Refinance 30-Year Fixed Mortgage Refinance 30-Year FHA Mortgage Refinance 5/1 ARM Refinance Mortgage 7/1 ARM Refinance Mortgage 10/1 ARM Refinance Mortgage 15-Year fixed Jumbo Mortgage 20-Year Fixed Jumbo Mortgage 30-Year fixed Jumbo Mortgage 5/1 ARM Jumbo Mortgage 7/1 ARM Jumbo Mortgage 10/1 ARM Jumbo Mortgage

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10-Year Fixed 15-Year Fixed 20-Year Fixed 30-Year Fixed 40-Year Fixed 1-Year ARM 3-Year ARM 5-Year ARM 7-Year ARM 10-Year ARM 3-Year ARM I/O 5-Year ARM I/O 7-Year ARM I/O

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Single Family Condo <= 4 Condo > 4 2 units 3 units 4 units

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Superior (780-850) Exceptional (760-779) Excellent (740-759) Very Good (720-739) Good (700-719) Above Average (680-699) Average (660-679) Fair (640-659) Need Improvement (620-639) Poor (350-620)

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Hawaii 5/1 Year ARM Conforming Refinance Mortgage

July 15, 2025
Average: 6.33% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment?
PenFed Credit Union NMLS ID: 401822	6.692% 5 Yr ARM	6.500% Fees & Points $6,400 Total 1.000 Pts: $3,200 $3,200 Fees	$2,023	Learn More See Table View
Rocket Mortgage NMLS ID: 3030	Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Get personalized solutions for your goals 5 Yr ARM			Learn More
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 5 Yr ARM			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Jpmorgan Chase Bank, National Association Updated 02/21/2024	7.62%	6.75% 0.00 points $0.00 fees	$2,075.51	Learn MoreShow Less See Table View
State Employees Cu Of Maryland, Inc Credit Union Updated 06/15/2022 Restrictions	7.33%	6.88% 0.00 points $2,784.00 fees	$2,103.24	Learn MoreShow Less See Table View
Eastman Credit Union Updated 06/15/2022 Restrictions	8.17%	7.00% 1.00 points $2,784.00 fees	$2,128.97	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	7.61%	7.13% 1.00 points $0.00 fees	$2,155.90	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	7.84%	7.25% 0.63 points $2,784.00 fees	$2,182.96	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 07/11/2025	7.02%	7.26% 0.00 points $3,210.00 fees	$2,185.79	Learn MoreShow Less See Table View
U.s. Bank National Association Updated 05/07/2023	7.12%	7.31% 0.73 points $0.00 fees	$2,195.57	Learn MoreShow Less See Table View
Axos Bank Updated 06/15/2022	8.50%	8.00% 0.00 points $3,915.00 fees	$2,348.05	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

Adjustable Rate Mortgages 2025

An Adjustable Rate Mortgage (ARM) starts with a rate for a fixed period. In a 5/1 ARM, the fixed period is 5 years, and in a 7/1 or 10/1 it is 7 and 10 years, respectively. After that fixed period, the rate adjusts. It can adjust up or down at that point. Most ARMs have provisions that state exactly how it can adjust and it is usually adjustable based on either the 10-Year US Treasury rate or the 6 month LIBOR rate (The loan document will specify exactly how it can adjust, with language like "after x years, the rate adjusts each January 1 to 6 month LIBOR plus 3%". Some states have laws that limit how much an ARM can adjust. As a borrower entering into an ARM, it is imperative that you understand how and when an ARM can adjust.

Unlike an Interest Only Loan, ARMs are amortizing loans. Each month the mortgage holder makes a payment to the bank that covers the interest for that month and an amount allocated to payment of principal. At the end of the mortgage (most ARMs have a 30 year length), the mortgage is completely paid off because it has been completely amortized through the component of monthly payments attributable to principal repayments.

Adjustable Rate Mortgages can be great loans for those with high net income and earnings capacity who are confident that they can either pay off the loan or get a new loan before the rate begins to adjust. ARMs also make sense for borrowers who do not intend to stay in the home beyond the length for which the rate is fixed. These loans enables a borrower to get a much lower interest rate than may be available on a 30-year or a 15-year fixed mortgage and to build equity in their homes. Those who intend to stay for longer periods in their homes, those who do not believe that they will have the ability to pay off their mortgage when the fixed period ends, and/or those who want to protect themselves from the possibility of much higher rates down the road should consider longer-term fixed rate mortgages.

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