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

Learn more about the Fixed-Rate Mortgage

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

Learn more about the Adjustable-Rate Mortgage

 USDA/VA Loans (For Hawaii properties only)  Fixed interest rates
  • Low down payments
  • Flexible qualifying guidelines
  • Certain closing costs may be financed
  • Requires less cash upfront
  • Available for variety of income levels
  • First-time home buyers
  • Borrowers on modest incomes
  • Eligible veterans


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 $765,600
  • Equity cash-outs permitted
  • Owner occupant, second homes, and investors
  • Borrowers with good credit

Learn more about Jumbo Loans

Construction Loan Fixed interest rate
  • 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

Learn more about Construction Loans

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"

Learn more about Home Improvement Loans

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

Learn more about Land Loans