Adjustable Rate Mortgage

Enjoy lower initial rate and monthly payments prior to the rate adjustment period.

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Adjustable Rate Mortgage[[#1]] Features

  • Interest rate and monthly payments remain the same for an initial period, then adjust semi-annually
  • Variety of terms available: 3/6, 5/6, 7/6 or 10/6[[#2]], with annual and lifetime interest rate caps
  • See today's rates and loan terms and conditions, including payment examples.
Lower initial rates

The rate may be lower than a fixed rate mortgage.

Your rate is fixed for years

Choose fixed-rate terms that last from 1 to 10 years.

Flexible options for your changing life

Great for those who plan to move within a few years.

Your rate is fixed for years

Choose fixed-rate terms that last from 1 to 10 years.

Flexible options for your changing life

Great for those who plan to move within a few years.

Lower initial rates

The rate may be lower than a fixed rate mortgage.

ideal for buyers who may sell in a few years

Ideal for

  • Owners who know they will sell in a few years
  • House flippers or short-term investors
  • Borrowers who anticipate rising incomes or large cash settlements in the future
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Lorrie Ann Onaga

Lorrie Ann Onaga

VP & Senior Mortgage Loan Officer

NMLS #543097

Apply with Lorrie
Christopher Kim Bento

Christopher Kim Bento

Digital Mortgage Loan Officer

NMLS #1369899

Apply with Christopher
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FAQs

    How do I know which mortgage is right for me?

    It’s all about you, your budget, and your life. We have a variety of mortgage types, and we can help you find the one that’s right for you. For a free analysis and recommendation of the best mortgage loan program for you, please call us at (808) 643-HOME (4663) or take a look at our Mortgage Selector Tool. We also have mortgage calculators that can help you determine what is right for you.

      How can I find out about refinancing?

      Find out about rates and more online or call us to talk about your refinancing options at 808-643-4663.

        How can I apply for a new mortgage?

        Welcome home! We’re here to help make the process of applying for a mortgage as simple for you as possible. 

        • Apply online using our Digital Home Loans Portal 
        • Contact our customer service line for new or current mortgage customers. We’ll put you in contact with a mortgage specialist who will be able to help make your dreams come true.
        • Apply in person at the branch most convenient for you
          How can I manage and make payments to my Mortgage?

          FHB Online & Mobile Banking enables you to easily view your mortgage transactions, current mortgage balance and upcoming payment due. You can also make a payment to your mortgage from your FHB checking or savings account using the Make a Payment form, or from your account at another bank by using  external transfers.

          If you have not yet enrolled for FHB Online & Mobile Banking, you can enroll here.

           

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            Disclosures

            1. Subject to credit approval. Certain other restrictions may apply.
            2. After the initial 3,5,7,or 10 year terms, the rate will adjust semi-annually. 

            Adjustable Rate Mortgage

            Adjustable Rate Mortgage

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