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
  • 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

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Stacey Nishiki

Stacey Nishiki

Mortgage Loan Officer

Makiki Branch

Apply with Stacey
Martin Stabilio

Martin Stabilio

Digital Mortgage Loan Officer

First Hawaiian Center

Apply with Martin
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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 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 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 Online & Mobile Banking, you can sign up here.

           

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