USDA Loans

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


  • Financing up to 100% of the appraised property value[[#1]]
  • 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 mortgage debt?

* Indicates a required field.


Section Result



Ready to Apply?

Elina Grugier Bell

Elina Grugier Bell

AVP & Sr Mortgage Loan Officer

NMLS ID #609941

Makiki Branch

Richard Smith

Richard Smith

Senior Mortgage Loan Officer

NMLS ID #543118

Kahului Branch

Leonard Fernandes

Leonard Fernandes

VP & Sales Manager

NMLS ID #543033

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 808-643-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 mortgage transactions, 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 FHB Online & Mobile Banking, you can enroll here.


          Didn’t find an answer? Still have questions?


            1. Subject to credit approval. For dwellings less than 12 months old that have never been occupied, a 10% down payment may be required.

            USDA Loans

            USDA Loans