First Step Home Loan

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


  • 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 $822,375
  • Maximum loan-to-value ratio of 89.99%
  • Fixed and adjustable rates available
First-time homebuyers


  • 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?

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Ready to Apply?

Lucy Callahan

Lucy Callahan

Mortgage Loan Officer

Maite Banking Center

Nikki Kruse

Nikki Kruse

Mortgage Loan Officer

Mililani Branch


We're here to help.


    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.

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

        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

          You can easily view your mortgage account information, manage payments and access year-end tax documentation using the mortgage portal in FHB Online & Mobile Banking. If you have not yet enrolled for Online & Mobile Banking, you can sign up here.


          Didn’t find an answer? Still have questions?

          First Step Home Loan

          First Step Home Loan