Mortgages

Mortgages > First-Time Homebuyer

First-Time Homebuyer

We’ll help you find the mortgage that’s right for you with our experienced, knowledgeable and friendly lending professionals.

First-Time Homebuyer

We’ll help you find the mortgage that’s right for you with our experienced, knowledgeable and friendly lending professionals.

Looking For A Home

If you haven’t ever owned a home or it has been over 3 years since you last owned, you may qualify for special First-Time Homebuyer programs. Here’s how to get started.

1

Gather your documents

View Our Document Checklist >

2

Start the pre-approval process

Fill Out Our Customer Information Form >

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.

Looking For A Home

Already Found A Home

The clock is ticking to meet your closing deadline. At Bank of Hawaii, we can help you quickly get started over the phone, by email or by visiting with one of our loan officers at a branch convenient to you.

Already Found A Home

1

Gather your documents

View Our Document Checklist >

2

Find a Loan Officer

Contact Us > OR View Our Directory >

3

Begin loan application process

What to Expect
1. Complete an application with your Loan Officer
2. Verification documents
3. Underwriting and final approval
4. Closing and loan signing
5. Funding and recording

4

Move into your new home

First-Time Home Buyer's Loan Program

Bank of Hawaii’s First-Time Home Buyer’s Loan Program is specially designed to help you buy your very first home. It features access to homeownership counseling and discounts on closing costs.
Learn More >

First Time Home Buyer's Loan Program
Smart Money Seminars

SmartMoney Seminars

Attend one of our upcoming free Educational Seminars and learn all about financing your dream home.
Register Today >

SmartMoney Mortgage Tips

Our Loan Officers have some great advice that will help you get a head start on applying for your home loan.
Learn More >


Helpful Videos

  • Buying Your First Home

  • Preparing to Purchase Your Home

  • Qualifying for the Mortgage Credit Certificate Program

More Helpful Videos >


†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 $625,500. There is no rebate pricing allowed and therefore in certain cases the discount applied may be less than 1.00%. 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.

†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 $625,500. There is no rebate pricing allowed and therefore in certain cases the discount applied may be less than 1.00%. 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.
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