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?

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Ready to Apply?

Yuko Omorai photo

Yuko Omorai

AVP and Private Banking Mortgage Loan Officer

NMLS #1645209

First Hawaiian Center

Bernadette Kaneshiro

Bernadette Kaneshiro

AVP and Private Banking Mortgage Loan Officer

NMLS #881938

Makiki Branch

Daniel Costigan

Daniel Costigan

VP & Sales Manager

NMLS #370165

Makiki Branch


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