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Mortgages > Products & Programs > Government Loan Programs

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Still shopping for a home? Get Prequalified

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.

VA Home Loans

If you’re a veteran, a VA home loan may work for you. Whether you’re planning to purchase or to refinance an existing home loan, Bank of Hawaii may have solutions for you.

  • VA funding fee can be financed
  • Competitive Rates
  • Fixed rate mortgages available
  • Low down payment requirements
  • No pre-payment penalty
  • Owner-occupant
  • Single-family (1-4 units), approved Planned Unit Development (PUD) and condominiums

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

Mortgage Credit Certificate

Can the Hawaii Housing Finance and Development Corporation's Mortgage Credit Certificate Program help you? If you are a first-time homebuyer and qualify under certain income limit guidelines, this state program can possibly save you money. Click here to learn more

Rural Housing Programs

Also known as USDA Programs, these programs may help those who reside in certain ZIP codes as determined by the U.S. Department of Agriculture. Contact us for more information or view our directory.



Helpful Resources

Take a look at our tools and resources to help you with your mortgage needs.


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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.

Ready to Apply?

Apply online to find a mortgage that suits your needs.

Certain requirements and restrictions apply. Subject to loan approval.