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Government Loan Programs

Lower down payment requirements and flexible guidelines.

Whether you’re a first-time home buyer or looking for a new home, Bank of Hawaii’s Government Loan programs offer lower down payment requirements and flexible guidelines.

FHA Loans:

  • Fixed rate mortgages available
  • Non-traditional credit qualifications allowed 
  • Lower down payment requirements
  • 100% gift funds acceptable for down payment and closing costs
  • No pre-payment penalty
  • Owner-occupant
  • Single-family (1-4 units) and approved condominiums

VA Home Loans:

  • No minimum FICO score
  • No mortgage insurance premiums
  • VA funding fee can be financed
  • Fixed rate mortgages available
  • Lower down payment required
  • 100% gift funds are acceptable for down payment and closing costs
  • No pre-payment penalty
  • Owner-occupant
  • Single-family (1-4 units) and approved condominiums

Rural Housing Programs

Mortgage Credit Certificate

Requirements and Other Restrictions:

  • Certain requirements and restrictions apply. Subject to loan approval.

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, deposit check, 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.