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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Jeremy Higgins

Jeremy Higgins

Mortgage Loan Officer

Makiki Branch

Apply with Jeremy
Leonard Fernandes

Leonard Fernandes

VP & Sales Manager

First Hawaiian Center

Apply with Leonard
Marisa Watson

Marisa Watson

Mortgage Loan Officer

First Hawaiian Center

Apply with Marisa
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 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?

          You can easily view your mortgage account information, manage payments and access year-end tax documentation using the mortgage portal in FHB Online & Mobile Banking. If you have not yet enrolled for Online & Mobile Banking, you can sign up here

           

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