Buying your first home?
We're with you each step of the way.

When you're ready to take that first step to home ownership our simple online mortgage application and local loan experts are here to help.

Apply Online Now Find a Loan Officer

Still shopping for a home? Get Prequalified

First-Time Home Buyer's Loan Program

Let us help you say, Welcome Home with our First-Time Home Buyer's Loan program. Everyone's a first-time homebuyer at some point. At Bank of Hawaii, we've walked thousands of first-time home buyers through the mortgage process. from start to finish, we're here to make the process easy, convenient, and worry free. Call one of our local mortgage experts and start the online process today.

Features and Benefits

Reduced closing costs • No prepayment penalty • Fixed or adjustable interest rates • Variety of terms available • Homeownership counseling

Apply Now

Looking For A Home

Looking for a home

By getting prequalified before you buy, you can do home shopping with confidence. You'll know exactly how much home you can afford. And, because you'll be prequalified, when you find the home you love and make an offer, you'll be a more attractive buyer to the home seller.
Here’s how to get started.

Step 1

Gather your documents

View Our Document Checklist

Step 2

Start the prequalification process

Submit your prequalification request

Step 3

Find a home

Bank of Hawaii supports REALTORS® associations across the state. Consult a professional real estate agent to assist you in the home buying process.

Already Found A Home?

Already Found A Home Image

If you found a home and the clock is ticking, we can help you get the process started right away. You can begin your mortgage process by applying online or call one of our local experts. We will help you through the entire process from start to housewarming!

Step 1

Gather your documents

View Our Document Checklist

Step 2

Begin the loan application process

What to Expect
1. Submit your application online
2. Verification documents
3. Underwriting and final approval
4. Closing and loan signing
5. Funding and recording

Step 3

Move into your new home

Congratulations and welcome home!

SmartMoney Seminars

Attend one of our upcoming free Educational Seminars and learn all about your financing options.

Register Now

Helpful Tips

Buying Your First Home

Preparing to Purchase Your Home

Qualifying for the Mortgage Credit Certificate Program

Ready to Apply?

Loan Officers are standing by to assist you with your online application.

Apply Now

Trusted Lender Badge

Trusted Lender
*#1 in total dollars and numbers of loans made in the State of Hawaii.

*#1 Residential Lender ranking is for total number of residential loans and total dollars made by a lender in the State of Hawaii in 2018. Information compiled by Title Guaranty derived from Hawaii Bureau of Conveyances tax data recorded information for 2018. Information is deemed reliable but not guaranteed.

Footnotes and Disclosures

To be eligible as a First-Time Homebuyer, all borrowers must not have had any ownership interest in a residential dwelling during the three-year period preceding the date of purchase of the subject property. The most recent 3-years' federal tax returns are required. The borrower must occupy the subject property as his/her primary residence. Eligible properties include one-unit single-family primary residences and condos. The First-Time Homebuyer Discount is not available on FHA and VA loans or on loan amounts greater than $726,525. There is no rebate pricing allowed and therefore in certain cases the discount applied may be less than 0.50%. May not be combined with any other discounts, specials or promotions. Certain requirements and restrictions apply. Subject to loan approval and closing. No cash value. One discount per loan.