USDA Loans

Government program that helps homeowners refinance a mortgage in an eligible rural area


  • Financing up to 100% of the appraised property value
  • No private mortgage insurance required
  • Income limits and other restrictions may apply
  • See today's rates and loan terms and conditions, including payment examples

USDA Loans

The Rural Housing Service Loan (RHS) provides borrowers the opportunity to refinance a home in eligible rural areas

rural home

Ideal for

  • Homeowners with a property in an eligible rural area 
  • Buyers who meet the USDA income guidelines

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

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Bernadette Kaneshiro

Bernadette Kaneshiro

Senior Mortgage Loan Officer

Makiki Branch

Marisa Watson

Marisa Watson

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

          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.


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          USDA Loans

          USDA Loans