Fixed Rate Mortgage

Relax. Your rate is locked in for the length of your mortgage.


  • You can pay off your loan early with no prepayment penalty
  • Stable, predictable monthly payments
  • See today's rates and loan terms and conditions, including payment examples

No worries, no surprises

Your bill is the same each month.

You’re protected

Rising mortgage rates won’t affect you.

Know what you owe

Budgeting and planning are a snap.

long-term home

Ideal for

  • Owner occupants who are refinancing
  • Those who want to know what their payments will be
  • Those on a fixed income
  • Homeowners who will stay in the home for many years

Current fixed mortgage rates











15-yr Fixed Rate¹




$6.60 per $1,000 borrowed for 180 Monthly Payments

Interest rates updated as of 01/24/2022

30-yr Fixed Rate¹




$4.35 per $1,000 borrowed for 360 Monthly Payments

Interest rates updated as of 01/24/2022

1 Annual Percentage Rate (APR) and monthly principal and interest payments are calculated based on owner-occupancy, 20% down payment, the respective rate, related fees, and associated expenses. The rates and fees quoted are subject to change at any time and are based on a purchase transaction with a 45-day lock period.  30-day and 60-day lock pricing are also available to fit your lending needs. Applicable add-ons apply. Subject to credit approval. Other rates and terms available. Payments do not include amounts for taxes and insurance premiums, if applicable, and actual payment obligation may be greater. Not available through mortgage originator companies. For real properties located in the State of Hawaii and Guam only.

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

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Ready to Apply?

Wendy Lum

Wendy Lum

Senior Mortgage Loan Officer

Makiki Branch

Lan Yao

Lan Yao

Digital Mortgage Loan Officer

First Hawaiian Center


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

          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?

          Fixed Rate Mortgage

          Fixed Rate Mortgage