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"When shopping for a home it’s easy to get caught up in the price, current rates, and other hype. But the most important thing is what monthly payment you can afford. To find out, work with a loan officer to get pre-qualified. Getting pre-qualified will help you shop with confidence for the right house at the right price."
"Qualifying for a mortgage can be easier if you have a good credit history. Carefully managing 3 or more credit accounts such as a credit card, personal, auto or home loan helps. Even one 30-day late payment can have a significant effect, so pay on time or early."
"You know, it’s never too early to think about becoming a home owner! If you’re not sure how much you need to save, whether or not you make enough money, or if your credit’s good enough, let a Bank of Hawaii loan officer prequalify you, and help you get started on your journey to home ownership!"
"Think you can’t afford a home? Think again. Because with Bank of Hawaii’s First Time Home Buyer program, Bank of Hawaii discounts fees for first time homebuyers who qualify. To find out what you can afford, as well as how to save on the costs of the loan, come to Bank of Hawaii today."
"Your credit score is an important factor in getting a loan. Federal law entitles you to a free credit report once a year. You can correct any errors that may appear on your report and help ensure a good score. To order your free credit report, go to annualcreditreport.com or call
"Becoming a homeowner for the first time can be very exciting. But it can also be pretty nerve-wracking. So make sure you find a loan officer and realtor you trust and feel comfortable with. Because the right loan officer and realtor can make the home buying experience a lot less stressful and a lot more rewarding."
"When you’re ready to make the leap from renter to homeowner, you might want to consider attending a first-time homebuyer seminar from Bank of Hawaii. You'll learn what to expect and other tips for a smoother experience and be better prepared to take that exciting new step into owning your first home."
"Find a realtor you really click with. After all, you don’t pay a realtor – the seller does. The right realtor can help you navigate through the entire purchase process, answer your questions and give you advice. So if you want to find the right home, find the right realtor."
"Before meeting with your loan officer, organize your documents. Here’s what you’ll need. The last two years of tax returns, your last two paychecks and your bank or investment statements of the account you’re using for your down payment. So to get into your first home, just get organized."