USDA Loans

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



  • Rate/term refinance loans available
  • 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
  • Homeowners who meet the USDA income guidelines

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

Ready to Apply?

Lorrie Ann Onaga

Lorrie Ann Onaga

VP & Senior Mortgage Loan Officer

NMLS #543097

Norman Hong

Norman Hong

VP & Sr. Mortgage Loan Officer

NMLS #378817

Rick Smith

Rick Smith

Senior Mortgage Loan Officer

NMLS #543118


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 from your FHB checking or savings account using the Make a Payment form, or from your account at another bank by using  external transfers.

          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