Construction-to-Permanent Loans

Big projects need loans that can take you all the way from bare ground to the home you’ve always wanted.


  • Interest-only payments during construction
  • The interest paid may be tax deductible
  • Flexible pricing to adapt to the terms of your construction contract

Fixed, flexible financing that locks in your initial rate when you’re approved

Buy your land and build and/or renovate, all with one permanent financing plan

A refinance construction loan lets you add your existing loan balance and refinance into a new loan

Home improvement project

Ideal for

  • Those planning to buy land and build within a year
  • Large dollar home improvement projects
  • Those who want to buy a "fixer-upper"

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

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Norman Hong photo

Norman Hong

VP & Sr. Mortgage Loan Officer

First Hawaiian Center

Isaiah Caycayon

Isaiah Caycayon

Mortgage Loan Officer

Lihue Branch

Paulette Suzuki

Paulette Suzuki

AVP & Private Banking Loan Officer

First Hawaiian Center


We're here to help.

Construction-to-Permanent Loans

Construction-to-Permanent Loans