Fixed Rate Mortgage Interest rate is constant over the life of the loan
  • Variety of terms available
  • Stable monthly payments
  • Protection against rising interest rates
  • Fully amortized over the life of the loan
  • Borrowers seeking a set interest rate
  • Borrowers who want the certainty of knowing their payment amount
  • Borrowers on a fixed monthly income

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Adjustable Rate Mortgage (ARM) Interest rates and monthly payments can adjust periodically over the life of the loan
  • Variety of terms available
  • Annual and lifetime interest rate caps
  • Initial interest rate may be lower than fixed rate products
  • Borrowers who expect to move within 5-7 years
  • Borrowers who anticipate rising incomes
  • Borrowers who can manage payment changes
  • Borrowers expecting large cash settlements in the future

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First Time Homebuyer Mortgage Fixed or adjustable interest rates
  • Variety of terms available
  • Flexible qualifying guidelines
  • Fully amortizing
  • Payments go towards equity rather than rent
  • Minimum down payment enhances buying power
  • First-times home buyers
  • Borrowers with limited personal funds for down payments and closing costs
  • Borrowers on modest incomes

Jumbo Loans Fixed or adjustable interest rates
  • Competitive pricing
  • Available for loans greater than $625,500
  • Equity cash-outs permitted
  • Owner occupant, second homes, and investors
  • Borrowers with good credit

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Rural Housing Service Loan (RHS) Fixed long term rates
  • Guaranteed loan to assist eligible households in rural areas
  • No reserves required
  • May be able to finance all closing costs
  • Limited to owner occupants
  • For borrowers located in rural areas

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Construction Loan Fixed or adjustable interest rates
  • Interest only payments during the construction period
  • Permanent financing means applying only once
  • Competitive pricing
  • Buy your land and build, all with one permanent financing plan
  • Interest only payments provide some relief on the budget during the construction period
  • Flexible pricing to meet your construction contract terms
  • Those planning to buy land and build within a year
  • Large dollar home improvement projects

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Home Improvement Loan Fixed long term interest rate and adjustable rate mortgages with competitive pricing Low down payment
  • Buy a home and renovate with one loan
  • Stable monthly payments for term of loan Service
  • Those who are owner occupants, second homeowners and investors
  • Those who want to buy a "fixer-upper"

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Land Loans Fixed rate or adjustable rate mortgages available

Interest only
  • Competitive pricing
  • Low monthly payments
  • Buy the land now, build later
  • Receive a discount on fees when applying for the construction loan at First Hawaiian Bank
Those seeking to invest in land, but not ready to build just yet

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