Today we here at Peak Personal Finance are looking at the best home loans in Hawaii so our readers in paradise can see where their best deal will come from.

The numbers here represent an average home purchase price for the area and assume a credit score of 700 or better (FICO), up to 20% in down payment or equity, and cash on hand to pay any fees (described here in points and/or fixed fees).

30-Year Fixed Best Home Mortgage Rates in Hawaii
AimLoan has a 4.977% annual percentage rate (APR) and a 5.036% APR for 1.365 or 0.611 points (respectively) and with a fixed fee of $1,995.

The Hawaii Mortgage Company has a 5.144% or 5.432% APR with 2 or 1 points as fees.

Quicken Loans offers a 5.498% APR with 1.75 points and $1,600 in fixed fees as well.

15-Year Fixed Best Mortgage Rates in Hawaii
For this term, AimLoan has 4.548% APR and 4.557% APR offers with 0.765 or no points and fixed fees of $1,995. If your FICO is under 700, but over 640, you may also consider the AimLoan 4.61% APR with 1.993 points and the same fixed fee.

Hawaii Mortgage has 4.835% APR and 4.932% APR with 2 and 1 points as fees.

5/1 ARM Best Home Loans in Hawaii
If an adjustable rate mortgage is right for you, then these ARM options might be helpful.

AimLoan offers 3.755% APR with 0.937 points and a fixed fee of $1,995 with a 5/2/5 cap.

Hawaii Mortgage offers a 3.852% APR with 2 points as fees and caps of 2/2/5.

As with any major financial decision, make sure to talk to your financial adviser before purchasing a new home. These best home mortgage rates will likely change according to your specific circumstances, so talk to a mortgage broker to pre-qualify before purchase. Most of the loans listed here have a lock-in rate option for 30 days or more.