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Hawaii Refinance Rates
Hawaii Refinance Rates shows today's refinance rates in Hawaii. Find and compare the best HI refinance rates and save money on your mortgage payments.
Following are the refinance rates from 5 Hawaii lenders. Updated: September 13, 2026.
Today's Refinance Rates (Hawaii)
| Lender | Rate / APR | Payment / Fees |
|---|---|---|
|
Mutual of Omaha Mortgage
30-Year Fixed
|
6.49%
APR: 6.75%
|
$3,158 /mo
$6,450 (1.469 Pts)
|
|
Refi.com
30-Year Fixed
|
6.50%
APR: 6.61%
|
$3,161 /mo
$0 (1.188 Pts)
|
|
AimLoan.com
30-Year Fixed
|
6.50%
APR: 6.65%
|
$3,161 /mo
$1,236 (1.403 Pts)
|
|
Sage Home Loan Corporation
30-Year Fixed
|
6.63%
APR: 6.73%
|
$3,202 /mo
$1,494 (0.796 Pts)
|
|
PenFed Credit Union
30-Year Fixed
|
6.63%
APR: 6.78%
|
$3,202 /mo
$1,995 (1.250 Pts)
|
Mortgage Refinance Calculator |
||||||
New Monthly Payment: |
$1,693.12 | |||||
Payoff Date: |
Aug, 2041 | |||||
Closing Cost: |
$0.00 | |||||
Other Expenses: |
$0.00 | |||||
Interest Savings: |
$117,663.83 | |||||
Total Savings: |
$117,663.83 | |||||
Mortgage Refinance Amortization Schedule |
||||||
| Payment Date | Payment # | Interest Paid | Principal Paid | Total Payment | Remaining Balance | |
|---|---|---|---|---|---|---|
| Sep, 2026 | 1 | $1,008.33 | $684.79 | $1,693.12 | $199,315.21 | |
| Oct, 2026 | 2 | $1,004.88 | $688.24 | $1,693.12 | $198,626.97 | |
| Nov, 2026 | 3 | $1,001.41 | $691.71 | $1,693.12 | $197,935.26 | |
| Dec, 2026 | 4 | $997.92 | $695.20 | $1,693.12 | $197,240.06 | |
| Jan, 2027 | 5 | $994.42 | $698.70 | $1,693.12 | $196,541.36 | |
| Feb, 2027 | 6 | $990.90 | $702.23 | $1,693.12 | $195,839.14 | |
| Mar, 2027 | 7 | $987.36 | $705.77 | $1,693.12 | $195,133.37 | |
| Apr, 2027 | 8 | $983.80 | $709.32 | $1,693.12 | $194,424.05 | |
| May, 2027 | 9 | $980.22 | $712.90 | $1,693.12 | $193,711.15 | |
| Jun, 2027 | 10 | $976.63 | $716.49 | $1,693.12 | $192,994.65 | |
| Jul, 2027 | 11 | $973.01 | $720.11 | $1,693.12 | $192,274.55 | |
| Aug, 2027 | 12 | $969.38 | $723.74 | $1,693.12 | $191,550.81 | |
| Sep, 2027 | 13 | $965.74 | $727.39 | $1,693.12 | $190,823.43 | |
| Oct, 2027 | 14 | $962.07 | $731.05 | $1,693.12 | $190,092.37 | |
| Nov, 2027 | 15 | $958.38 | $734.74 | $1,693.12 | $189,357.63 | |
| Dec, 2027 | 16 | $954.68 | $738.44 | $1,693.12 | $188,619.19 | |
| Jan, 2028 | 17 | $950.96 | $742.17 | $1,693.12 | $187,877.03 | |
| Feb, 2028 | 18 | $947.21 | $745.91 | $1,693.12 | $187,131.12 | |
| Mar, 2028 | 19 | $943.45 | $749.67 | $1,693.12 | $186,381.45 | |
| Apr, 2028 | 20 | $939.67 | $753.45 | $1,693.12 | $185,628.00 | |
| May, 2028 | 21 | $935.87 | $757.25 | $1,693.12 | $184,870.75 | |
| Jun, 2028 | 22 | $932.06 | $761.06 | $1,693.12 | $184,109.69 | |
| Jul, 2028 | 23 | $928.22 | $764.90 | $1,693.12 | $183,344.79 | |
| Aug, 2028 | 24 | $924.36 | $768.76 | $1,693.12 | $182,576.03 | |
| Sep, 2028 | 25 | $920.49 | $772.63 | $1,693.12 | $181,803.40 | |
| Oct, 2028 | 26 | $916.59 | $776.53 | $1,693.12 | $181,026.87 | |
| Nov, 2028 | 27 | $912.68 | $780.44 | $1,693.12 | $180,246.42 | |
| Dec, 2028 | 28 | $908.74 | $784.38 | $1,693.12 | $179,462.05 | |
| Jan, 2029 | 29 | $904.79 | $788.33 | $1,693.12 | $178,673.71 | |
| Feb, 2029 | 30 | $900.81 | $792.31 | $1,693.12 | $177,881.41 | |
| Mar, 2029 | 31 | $896.82 | $796.30 | $1,693.12 | $177,085.10 | |
| Apr, 2029 | 32 | $892.80 | $800.32 | $1,693.12 | $176,284.79 | |
| May, 2029 | 33 | $888.77 | $804.35 | $1,693.12 | $175,480.43 | |
| Jun, 2029 | 34 | $884.71 | $808.41 | $1,693.12 | $174,672.03 | |
| Jul, 2029 | 35 | $880.64 | $812.48 | $1,693.12 | $173,859.54 | |
| Aug, 2029 | 36 | $876.54 | $816.58 | $1,693.12 | $173,042.96 | |
| Sep, 2029 | 37 | $872.42 | $820.70 | $1,693.12 | $172,222.27 | |
| Oct, 2029 | 38 | $868.29 | $824.83 | $1,693.12 | $171,397.44 | |
| Nov, 2029 | 39 | $864.13 | $828.99 | $1,693.12 | $170,568.44 | |
| Dec, 2029 | 40 | $859.95 | $833.17 | $1,693.12 | $169,735.27 | |
| Jan, 2030 | 41 | $855.75 | $837.37 | $1,693.12 | $168,897.90 | |
| Feb, 2030 | 42 | $851.53 | $841.59 | $1,693.12 | $168,056.30 | |
| Mar, 2030 | 43 | $847.28 | $845.84 | $1,693.12 | $167,210.47 | |
| Apr, 2030 | 44 | $843.02 | $850.10 | $1,693.12 | $166,360.37 | |
| May, 2030 | 45 | $838.73 | $854.39 | $1,693.12 | $165,505.98 | |
| Jun, 2030 | 46 | $834.43 | $858.70 | $1,693.12 | $164,647.28 | |
| Jul, 2030 | 47 | $830.10 | $863.02 | $1,693.12 | $163,784.26 | |
| Aug, 2030 | 48 | $825.75 | $867.38 | $1,693.12 | $162,916.88 | |
| Sep, 2030 | 49 | $821.37 | $871.75 | $1,693.12 | $162,045.13 | |
| Oct, 2030 | 50 | $816.98 | $876.14 | $1,693.12 | $161,168.99 | |
| Nov, 2030 | 51 | $812.56 | $880.56 | $1,693.12 | $160,288.43 | |
| Dec, 2030 | 52 | $808.12 | $885.00 | $1,693.12 | $159,403.43 | |
| Jan, 2031 | 53 | $803.66 | $889.46 | $1,693.12 | $158,513.97 | |
| Feb, 2031 | 54 | $799.17 | $893.95 | $1,693.12 | $157,620.02 | |
| Mar, 2031 | 55 | $794.67 | $898.45 | $1,693.12 | $156,721.57 | |
| Apr, 2031 | 56 | $790.14 | $902.98 | $1,693.12 | $155,818.59 | |
| May, 2031 | 57 | $785.59 | $907.54 | $1,693.12 | $154,911.05 | |
| Jun, 2031 | 58 | $781.01 | $912.11 | $1,693.12 | $153,998.94 | |
| Jul, 2031 | 59 | $776.41 | $916.71 | $1,693.12 | $153,082.23 | |
| Aug, 2031 | 60 | $771.79 | $921.33 | $1,693.12 | $152,160.90 | |
| Sep, 2031 | 61 | $767.14 | $925.98 | $1,693.12 | $151,234.92 | |
| Oct, 2031 | 62 | $762.48 | $930.64 | $1,693.12 | $150,304.28 | |
| Nov, 2031 | 63 | $757.78 | $935.34 | $1,693.12 | $149,368.94 | |
| Dec, 2031 | 64 | $753.07 | $940.05 | $1,693.12 | $148,428.89 | |
| Jan, 2032 | 65 | $748.33 | $944.79 | $1,693.12 | $147,484.09 | |
| Feb, 2032 | 66 | $743.57 | $949.56 | $1,693.12 | $146,534.54 | |
| Mar, 2032 | 67 | $738.78 | $954.34 | $1,693.12 | $145,580.20 | |
| Apr, 2032 | 68 | $733.97 | $959.15 | $1,693.12 | $144,621.04 | |
| May, 2032 | 69 | $729.13 | $963.99 | $1,693.12 | $143,657.05 | |
| Jun, 2032 | 70 | $724.27 | $968.85 | $1,693.12 | $142,688.20 | |
| Jul, 2032 | 71 | $719.39 | $973.73 | $1,693.12 | $141,714.47 | |
| Aug, 2032 | 72 | $714.48 | $978.64 | $1,693.12 | $140,735.82 | |
| Sep, 2032 | 73 | $709.54 | $983.58 | $1,693.12 | $139,752.25 | |
| Oct, 2032 | 74 | $704.58 | $988.54 | $1,693.12 | $138,763.71 | |
| Nov, 2032 | 75 | $699.60 | $993.52 | $1,693.12 | $137,770.19 | |
| Dec, 2032 | 76 | $694.59 | $998.53 | $1,693.12 | $136,771.66 | |
| Jan, 2033 | 77 | $689.56 | $1,003.56 | $1,693.12 | $135,768.09 | |
| Feb, 2033 | 78 | $684.50 | $1,008.62 | $1,693.12 | $134,759.47 | |
| Mar, 2033 | 79 | $679.41 | $1,013.71 | $1,693.12 | $133,745.76 | |
| Apr, 2033 | 80 | $674.30 | $1,018.82 | $1,693.12 | $132,726.94 | |
| May, 2033 | 81 | $669.17 | $1,023.96 | $1,693.12 | $131,702.99 | |
| Jun, 2033 | 82 | $664.00 | $1,029.12 | $1,693.12 | $130,673.87 | |
| Jul, 2033 | 83 | $658.81 | $1,034.31 | $1,693.12 | $129,639.56 | |
| Aug, 2033 | 84 | $653.60 | $1,039.52 | $1,693.12 | $128,600.04 | |
| Sep, 2033 | 85 | $648.36 | $1,044.76 | $1,693.12 | $127,555.28 | |
| Oct, 2033 | 86 | $643.09 | $1,050.03 | $1,693.12 | $126,505.25 | |
| Nov, 2033 | 87 | $637.80 | $1,055.32 | $1,693.12 | $125,449.92 | |
| Dec, 2033 | 88 | $632.48 | $1,060.64 | $1,693.12 | $124,389.28 | |
| Jan, 2034 | 89 | $627.13 | $1,065.99 | $1,693.12 | $123,323.29 | |
| Feb, 2034 | 90 | $621.75 | $1,071.37 | $1,693.12 | $122,251.92 | |
| Mar, 2034 | 91 | $616.35 | $1,076.77 | $1,693.12 | $121,175.15 | |
| Apr, 2034 | 92 | $610.92 | $1,082.20 | $1,693.12 | $120,092.96 | |
| May, 2034 | 93 | $605.47 | $1,087.65 | $1,693.12 | $119,005.30 | |
| Jun, 2034 | 94 | $599.99 | $1,093.14 | $1,693.12 | $117,912.17 | |
| Jul, 2034 | 95 | $594.47 | $1,098.65 | $1,693.12 | $116,813.52 | |
| Aug, 2034 | 96 | $588.93 | $1,104.19 | $1,693.12 | $115,709.34 | |
| Sep, 2034 | 97 | $583.37 | $1,109.75 | $1,693.12 | $114,599.58 | |
| Oct, 2034 | 98 | $577.77 | $1,115.35 | $1,693.12 | $113,484.23 | |
| Nov, 2034 | 99 | $572.15 | $1,120.97 | $1,693.12 | $112,363.26 | |
| Dec, 2034 | 100 | $566.50 | $1,126.62 | $1,693.12 | $111,236.64 | |
| Jan, 2035 | 101 | $560.82 | $1,132.30 | $1,693.12 | $110,104.34 | |
| Feb, 2035 | 102 | $555.11 | $1,138.01 | $1,693.12 | $108,966.33 | |
| Mar, 2035 | 103 | $549.37 | $1,143.75 | $1,693.12 | $107,822.58 | |
| Apr, 2035 | 104 | $543.61 | $1,149.52 | $1,693.12 | $106,673.06 | |
| May, 2035 | 105 | $537.81 | $1,155.31 | $1,693.12 | $105,517.75 | |
| Jun, 2035 | 106 | $531.99 | $1,161.14 | $1,693.12 | $104,356.61 | |
| Jul, 2035 | 107 | $526.13 | $1,166.99 | $1,693.12 | $103,189.62 | |
| Aug, 2035 | 108 | $520.25 | $1,172.87 | $1,693.12 | $102,016.75 | |
| Sep, 2035 | 109 | $514.33 | $1,178.79 | $1,693.12 | $100,837.96 | |
| Oct, 2035 | 110 | $508.39 | $1,184.73 | $1,693.12 | $99,653.23 | |
| Nov, 2035 | 111 | $502.42 | $1,190.70 | $1,693.12 | $98,462.53 | |
| Dec, 2035 | 112 | $496.42 | $1,196.71 | $1,693.12 | $97,265.83 | |
| Jan, 2036 | 113 | $490.38 | $1,202.74 | $1,693.12 | $96,063.09 | |
| Feb, 2036 | 114 | $484.32 | $1,208.80 | $1,693.12 | $94,854.28 | |
| Mar, 2036 | 115 | $478.22 | $1,214.90 | $1,693.12 | $93,639.39 | |
| Apr, 2036 | 116 | $472.10 | $1,221.02 | $1,693.12 | $92,418.36 | |
| May, 2036 | 117 | $465.94 | $1,227.18 | $1,693.12 | $91,191.19 | |
| Jun, 2036 | 118 | $459.76 | $1,233.37 | $1,693.12 | $89,957.82 | |
| Jul, 2036 | 119 | $453.54 | $1,239.58 | $1,693.12 | $88,718.24 | |
| Aug, 2036 | 120 | $447.29 | $1,245.83 | $1,693.12 | $87,472.40 | |
| Sep, 2036 | 121 | $441.01 | $1,252.11 | $1,693.12 | $86,220.29 | |
| Oct, 2036 | 122 | $434.69 | $1,258.43 | $1,693.12 | $84,961.86 | |
| Nov, 2036 | 123 | $428.35 | $1,264.77 | $1,693.12 | $83,697.09 | |
| Dec, 2036 | 124 | $421.97 | $1,271.15 | $1,693.12 | $82,425.94 | |
| Jan, 2037 | 125 | $415.56 | $1,277.56 | $1,693.12 | $81,148.39 | |
| Feb, 2037 | 126 | $409.12 | $1,284.00 | $1,693.12 | $79,864.39 | |
| Mar, 2037 | 127 | $402.65 | $1,290.47 | $1,693.12 | $78,573.92 | |
| Apr, 2037 | 128 | $396.14 | $1,296.98 | $1,693.12 | $77,276.94 | |
| May, 2037 | 129 | $389.60 | $1,303.52 | $1,693.12 | $75,973.42 | |
| Jun, 2037 | 130 | $383.03 | $1,310.09 | $1,693.12 | $74,663.33 | |
| Jul, 2037 | 131 | $376.43 | $1,316.69 | $1,693.12 | $73,346.64 | |
| Aug, 2037 | 132 | $369.79 | $1,323.33 | $1,693.12 | $72,023.31 | |
| Sep, 2037 | 133 | $363.12 | $1,330.00 | $1,693.12 | $70,693.30 | |
| Oct, 2037 | 134 | $356.41 | $1,336.71 | $1,693.12 | $69,356.60 | |
| Nov, 2037 | 135 | $349.67 | $1,343.45 | $1,693.12 | $68,013.15 | |
| Dec, 2037 | 136 | $342.90 | $1,350.22 | $1,693.12 | $66,662.93 | |
| Jan, 2038 | 137 | $336.09 | $1,357.03 | $1,693.12 | $65,305.90 | |
| Feb, 2038 | 138 | $329.25 | $1,363.87 | $1,693.12 | $63,942.03 | |
| Mar, 2038 | 139 | $322.37 | $1,370.75 | $1,693.12 | $62,571.28 | |
| Apr, 2038 | 140 | $315.46 | $1,377.66 | $1,693.12 | $61,193.62 | |
| May, 2038 | 141 | $308.52 | $1,384.60 | $1,693.12 | $59,809.02 | |
| Jun, 2038 | 142 | $301.54 | $1,391.58 | $1,693.12 | $58,417.44 | |
| Jul, 2038 | 143 | $294.52 | $1,398.60 | $1,693.12 | $57,018.84 | |
| Aug, 2038 | 144 | $287.47 | $1,405.65 | $1,693.12 | $55,613.18 | |
| Sep, 2038 | 145 | $280.38 | $1,412.74 | $1,693.12 | $54,200.45 | |
| Oct, 2038 | 146 | $273.26 | $1,419.86 | $1,693.12 | $52,780.59 | |
| Nov, 2038 | 147 | $266.10 | $1,427.02 | $1,693.12 | $51,353.57 | |
| Dec, 2038 | 148 | $258.91 | $1,434.21 | $1,693.12 | $49,919.35 | |
| Jan, 2039 | 149 | $251.68 | $1,441.44 | $1,693.12 | $48,477.91 | |
| Feb, 2039 | 150 | $244.41 | $1,448.71 | $1,693.12 | $47,029.20 | |
| Mar, 2039 | 151 | $237.11 | $1,456.02 | $1,693.12 | $45,573.18 | |
| Apr, 2039 | 152 | $229.76 | $1,463.36 | $1,693.12 | $44,109.83 | |
| May, 2039 | 153 | $222.39 | $1,470.73 | $1,693.12 | $42,639.09 | |
| Jun, 2039 | 154 | $214.97 | $1,478.15 | $1,693.12 | $41,160.94 | |
| Jul, 2039 | 155 | $207.52 | $1,485.60 | $1,693.12 | $39,675.34 | |
| Aug, 2039 | 156 | $200.03 | $1,493.09 | $1,693.12 | $38,182.25 | |
| Sep, 2039 | 157 | $192.50 | $1,500.62 | $1,693.12 | $36,681.63 | |
| Oct, 2039 | 158 | $184.94 | $1,508.18 | $1,693.12 | $35,173.45 | |
| Nov, 2039 | 159 | $177.33 | $1,515.79 | $1,693.12 | $33,657.66 | |
| Dec, 2039 | 160 | $169.69 | $1,523.43 | $1,693.12 | $32,134.23 | |
| Jan, 2040 | 161 | $162.01 | $1,531.11 | $1,693.12 | $30,603.12 | |
| Feb, 2040 | 162 | $154.29 | $1,538.83 | $1,693.12 | $29,064.29 | |
| Mar, 2040 | 163 | $146.53 | $1,546.59 | $1,693.12 | $27,517.70 | |
| Apr, 2040 | 164 | $138.74 | $1,554.39 | $1,693.12 | $25,963.31 | |
| May, 2040 | 165 | $130.90 | $1,562.22 | $1,693.12 | $24,401.09 | |
| Jun, 2040 | 166 | $123.02 | $1,570.10 | $1,693.12 | $22,830.99 | |
| Jul, 2040 | 167 | $115.11 | $1,578.01 | $1,693.12 | $21,252.98 | |
| Aug, 2040 | 168 | $107.15 | $1,585.97 | $1,693.12 | $19,667.01 | |
| Sep, 2040 | 169 | $99.15 | $1,593.97 | $1,693.12 | $18,073.04 | |
| Oct, 2040 | 170 | $91.12 | $1,602.00 | $1,693.12 | $16,471.04 | |
| Nov, 2040 | 171 | $83.04 | $1,610.08 | $1,693.12 | $14,860.96 | |
| Dec, 2040 | 172 | $74.92 | $1,618.20 | $1,693.12 | $13,242.76 | |
| Jan, 2041 | 173 | $66.77 | $1,626.36 | $1,693.12 | $11,616.40 | |
| Feb, 2041 | 174 | $58.57 | $1,634.55 | $1,693.12 | $9,981.85 | |
| Mar, 2041 | 175 | $50.33 | $1,642.80 | $1,693.12 | $8,339.05 | |
| Apr, 2041 | 176 | $42.04 | $1,651.08 | $1,693.12 | $6,687.98 | |
| May, 2041 | 177 | $33.72 | $1,659.40 | $1,693.12 | $5,028.57 | |
| Jun, 2041 | 178 | $25.35 | $1,667.77 | $1,693.12 | $3,360.80 | |
| Jul, 2041 | 179 | $16.94 | $1,676.18 | $1,693.12 | $1,684.63 | |
| Aug, 2041 | 180 | $8.49 | $1,684.63 | $1,693.12 | $0.00 | |
Mortgage vs. Refinance |
||||||
| Original | Mortgage Refinance | |||||
| Monthly Payment | $1,315.43 | $1,693.12 | ||||
| Total Interest | $222,425.62 | $104,761.79 | ||||
| Total Principal | $200,000.00 | $200,000.00 | ||||
| Total Payment | $422,425.62 | $304,761.79 | ||||
| Closing Cost | $0 | $0.00 | ||||
| Other Expenses | $0 | $0.00 | ||||
| Total Interest Savings | $0 | $117,663.83 | ||||
| Total Savings | $0 | $117,663.83 | ||||
| Payoff Date | Jun, 2053 | Aug, 2041 | ||||
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