First Step Home Loan
When you’re ready to leap into homeownership, we’re here to help you take the first step.
First Step Home Loan[[#1]] Benefits
- Low down payment of 10.01% with as little as 3% down payment from the buyer and the remainder from family[[#2]]
- Waiver of mortgage insurance
- Reduced Closing Costs[[#3]]
- Maximum loan amount of $1,098,300
- Maximum loan-to-value ratio of 89.99%
- Choose from either a fixed-rate or adjustable rate mortgage

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 mortgage debt?
Ready to Apply?

Jeffery Barnard

Danielle Kapua

Lan Yao
We're here to help.
FAQs
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