With home prices on the rise, it is becoming harder to find your dream home right from the start and at a reasonable price. However, with cost effective options like rebuilding or remodeling, your custom dream home is now within reach.

If you already own a home and are considering knocking down and rebuilding, or if you already have an empty lot ready to be built on, an Owner/Builder Construction Loan from Hawaii Central Federal Credit Union (HCFCU) could be the key to your dream home. This unique and specialized type of loan was created to provide financing for borrowers planning their own home-construction projects.

The home loan officers at HCFCU have extensive experience in financing home building projects and have provided numerous Owner/Builder Construction loans since they began offering this specialty loan product in 2010. The popularity of this specialty loan has continued to increase as more and more buyers choose this option to achieve the home of their dreams.


Another way to get your dream home is to remodel your current home. By analyzing your home’s current value against the costs involved in purchasing a new one, a remodel may turn out to be your best option financially. A renovation project can include updating your space with new paint and fixtures, adding rooms or another floor to accommodate a growing family and creating an environment for multigenerational living.

With a home equity line of credit from HCFCU, such projects can be funded in as little as two weeks, enabling you to get your renovations started promptly. A home equity line of credit is the fastest and easiest way to take your home’s built up equity and use it to add value to your current home.

While each remodeling or rebuilding project brings its own benefits and challenges, having the right lender can go a long way. The home loan officers at HCFCU understand the urgency of getting these types of projects started and can close your loan in a matter of weeks. To see if a remodel or rebuild is your best option, please call HCFCU’s home loan staff today at 529-4599, or visit the office at 681 S. King St. Home loans are processed by CU Network Services (NMLS #375459), a wholly owned subsidiary of Hawaii Central Federal Credit Union (NMLS #412820).

contact // 529-4599
address // 681 S. King St.
web // www.hccu.info



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