Keep your low mortgage rate. Access your equity fast. 15-minute digital application funded in as little as 5 days. No refinance required.
If you locked in a low rate and have built up equity, this HELOC lets you access cash without touching your first mortgage.
Credit cards, personal loans, medical bills at 20-25%? Consolidate into a much lower HELOC rate and free up monthly cash flow.
You got a great rate don't give it up. A HELOC sits as a second lien, so your 3-4% first mortgage stays completely intact.
Kitchen, bath, ADU/ohana unit invest in your property and increase its value using the equity you've already built.
College, medical, business investment, or emergency cushion your equity is ready when life calls for it.
100% digital — no branch visits, no paperwork piles.
Complete a fully digital application from your phone or laptop. Fast, simple, and secure.
Often the same day. We review your equity, credit, and income to confirm your line amount.
Sign everything digitally from home. No notary office required for most Hawaii transactions.
Funded in as little as 5 business days. Draw as needed throughout your draw period.
The Equity Access HELOC is built for speed, flexibility, and simplicity.
Traditional HELOCs take 4-6 weeks. This one can close and fund in just 5 days from completed application.
Apply, upload docs, and eSign entirely online. Optimized for mobile no office visits or fax machines.
This is a second lien. Your existing mortgage rate and payment remain completely unchanged.
Draw what you need, pay it down, and draw again. Flexible access throughout your draw period.
Borrow up to 80% CLTV on primary residences. Lines available from $25,000 to $500,000. No prepayment penalties.
Accessible to most homeowners. Investment properties require 700+. State exceptions may apply.
Hawaii homeowners are using the Equity Access HELOC to take control of their finances:
Enter your debts and home details below. We'll show you your estimated monthly savings and email you a personalized summary.
Add your high-interest debts below. We've pre-filled common accounts adjust the balances to match yours.
I'm a Hawaii-based mortgage broker with Hi Five Mortgage, powered by Kamaaina Mortgage Group Inc. My job is to shop the wholesale side of 50+ lenders so you get the best rate and terms, not just whatever one bank happens to offer.
When I saw how many local homeowners were carrying expensive credit card debt while sitting on massive equity, I made the Equity Access HELOC a core part of what I do. It's fast, fully digital, and genuinely life-changing for the right homeowner.
Not sure if it's right for you? Book a free 10-minute call I'll give you a straight answer.
Three ways to get started choose what feels right for you.