USDA Loans

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

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Features

 

  • 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

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?

Open Debt Payment Calculator

Ready to Apply?

Nikki A N Kruse

Nikki A N Kruse

AVP and Senior Mortgage Loan Officer

NMLS #580465

Apply with Nikki
Warren P. De La Rosa

Warren P. De La Rosa

Mortgage Loan Officer

NMLS #543027

Apply with Warren
Jeff Barnard

Jeff Barnard

AVP and Senior Mortgage Loan Officer

NMLS #1559076

Apply with Jeff
View All Loan Officers
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We're here to help.

FAQs

    How do I know which mortgage is right for me?

    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.

      How can I find out about refinancing?

      Find out about rates and more online or call us to talk about your refinancing options at 808-643-4663.

        How can I apply for a new mortgage?

        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
          How can I manage and make payments to my Mortgage?

          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.

           

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            Disclosures

            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

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