First Step Home Loan

When you’re ready to leap into homeownership, we’re here to help you take the first step.

Quick Quote
Apply Now

Benefits

  • Low down payment of 10.01%
    • With as little as 3% down payment from the buyer and the remainder from family
  • Waiver of mortgage insurance
  • Lower closing costs
  • Competitive mortgage rates
  • Maximum loan amount of $970,800
  • Maximum loan-to-value ratio of 89.99%
  • Fixed and adjustable rates available
First-time homebuyers

Features

  • Fixed rates and low down payments
  • See today's rates and loan terms and conditions, including payment examples

Ideal for

  • Owner occupants with no prior home ownership in the last 3 years
  • First time homebuyers purchasing residential property in Hawaii

What is the impact of making extra payments on my debt?

* Indicates a required field.

Result

-

Ready to Apply?

Jiamei Zahnen

Jiamei Zahnen

Mortgage Loan Officer

Maite Banking Center

Apply with Jiamel
Jeremy Higgins

Jeremy Higgins

Mortgage Loan Officer

Makiki Branch

Apply with Jeremy
Bernadette Kaneshiro

Bernadette Kaneshiro

AVP & Sr. Mortgage Loan Officer

Makiki Branch

Apply with Bernadette
View All Loan Officers
Apply Now

 

We're here to help.

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 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. 

        • 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 current mortgage balance and upcoming payment due. You can also make a payment to your mortgage using internal transfers or external transfers.

          To make special payments, such as a principal only payment, you will need to process the transfer then send a secured message with specific instructions on how the payment should be applied. Your current month's mortgage payment must be posted to your loan and with no outstanding fees, in order to make additional principal payments.

          If you have not yet enrolled for Online & Mobile Banking, you can sign up here.

           

          Didn’t find an answer? Still have questions?

          See More Related FAQs

          First Step Home Loan

          First Step Home Loan

          Apply Now Apply Now