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First Time Home Buyer's Loan Program

A program specially designed to help you buy your first home.

Bank of Hawaii’s First Time Home Buyer’s Loan Program is specially designed to help you buy your very first home. It features reduced down payment requirements, discounts on closing costs, and free homeowner counseling.

Features and Benefits:

  • Reduced closing costs
  • Lower down payment required
  • Flexible qualifying guidelines
  • No prepayment penalty
  • Fixed or adjustable interest rates
  • Variety of terms available

Requirements and Other Restrictions:

  • Eligible properties include one-unit single-family primary residences and condos on Bank of Hawaii’s approved list
  • Certain requirements and restrictions apply. Subject to loan approval. Not valid with any other offers

Fast.  Flexible. Friendly.

  • State’s largest retail bank. We’re here to help you meet all of your personal and business banking needs, with over 70 convenient locations statewide.
  • Mortgage loans done fast. We’ll speed the mortgage for your home purchase in just 30 days from start to finish!
  • Pre-approved loans. Pre-approval coupled with a quick closing could give you a negotiating edge with the seller and a competitive advantage over other buyers.
  • Experienced, knowledgeable, friendly lending professionals. We’ll help you select the appropriate loan program and facilitate the documentation process.
  • Strength of a portfolio lender. This gives us the flexibility you may need to get the deal done.  No prepayment penalties.
  • Local decision making, underwriting and servicing.  We get loans done quickly, and when you need our help, we’re right here to assist you.

Trusted Lender

At Bank of Hawaii, we're proud to have helped more Hawaii homeowners get a new home loan, refinance their existing home loan or get a home equity line of credit than any other local bank. We were also named by Forbes as one of "America's Best Banks" for the fifth straight year and voted as “Best Bank” by the readers of the Star-Advertiser in its "Best of 2013 People’s Choice Award."

*#1 Residential Lender ranking is for total number of residential loans and total dollars made by a lender in the State of Hawaii. Information compiled by Title Guaranty derived from Hawaii Bureau of Conveyances tax data recorded information for 2013. Information is deemed reliable but not guaranteed.
**Forbes, December 19, 2013 online edition.
Includes complete written application, all documents contained in the Mortgage Loan Application Checklist, and any other documents required by Bank of Hawaii
Pre-approval means that you could qualify for a residential loan based on limited information provided, and is not a commitment by Bank of Hawaii to make you a particular loan.