Banking Products

Resources

Government Loan Programs

Mortgages > Products & Programs > Government Loan Programs

Lower down payment requirements and flexible guidelines. Contact us to get the process started.

Lower down payment requirements and flexible guidelines. Contact us to get the process started.


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 requirements
  • 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

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 Videos

Qualifying for the Mortgage Credit Certificate Program

More Helpful Videos >


Helpful Resources

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


Certain requirements and restrictions apply. Subject to loan approval.

Loan Officers

Take some time and meet our highly-skilled Loan Officers and get in touch.
Find A Loan Officer >

 

Bank of Hawaii Trusted Lender Badge
*#1 Residential Lender ranking is for total number of residential loans and total dollars made by a lender in the State of Hawaii in 2014. Information compiled by Title Guaranty derived from Hawaii Bureau of Conveyances tax data recorded information for 2014. Information is deemed reliable but not guaranteed.
Certain requirements and restrictions apply. Subject to loan approval.
Follow us: