If you’re an existing online and mobile banking customer, we’ll send you an email to let you know when you’ll be able to download and use the new app. New online and mobile banking customers can download the app now.
Now that you’re an open house veteran, you’re probably eager to start the financing process. Find out if you’re ready to apply with our easy checklist below.
Once you have an accepted offer and signed contract, we can process your loan application.
With today’s low interest rates, now is the time to apply and lock in a low rate.
Ask our local lending experts about the down payment options available to you.
With SimpliFi by Bank of Hawaii, the mortgage application process is safe, convenient and fast. It only takes a few minutes—and then you can get back to planning your dream living room.
Have questions? Contact our local lending experts to get all your questions answered.
Getting prequalified is an essential step before you can make an offer on a home. It allows you to have a better understanding of your financial health, search for homes in the right price range and have your offer taken seriously.
| Interest Rate |
|
Annual Percentage Rate |
|
Points |
|
Down Payment |
|
Monthly Principal & Interest Payment per $100,000 borrowed |
|
|---|---|---|---|---|---|---|---|---|---|
|
30 year |
5.875% |
6.039% |
1.750% |
20% |
$591.54 1 |
||||
|
15 year |
5.375% |
5.510% |
0.875% |
20% |
$810.47 1 |
Rates as of 04/02/2026 and can change without notice. Rate is based on 45-day lock for purchase transaction.
Maximum loan amount for these rates and terms is $1,249,125 for most Hawaii counties and Guam, except Maui and Kalawao where the maximum conforming loan limit is $1,299,500. Other options with different amounts, rates, and terms are available. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan-to-value ratio, etc.
1 Payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
| Interest Rate |
|
Annual Percentage Rate |
|
Points |
|
Down Payment |
|
Monthly Principal & Interest Payment per $100,000 borrowed | |
|---|---|---|---|---|---|---|---|---|---|
|
30 year |
6.125% |
6.208% |
0.875% |
20% |
$607.611 |
||||
|
20 year |
5.875% |
5.968% |
0.750% |
20% |
$709.241 |
||||
|
15 year |
5.375% |
5.530% |
1.000% |
20% |
$810.471 |
Rates as of 04/02/2026 and can change without notice. Rate is based on 45-day lock for purchase transaction.
For loan amounts greater than $999,999. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
1Payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
| Interest Rate |
|
Annual Percentage Rate |
|
Points |
|
Down Payment |
|
Monthly Principal & Interest Payment per $100,000 borrowed |
|
|---|---|---|---|---|---|---|---|---|---|
|
30 Year - Hawaii |
5.625% |
6.147% 1 |
1.875% |
0% |
$575.66 2 |
||||
|
30 Year - Guam |
5.625% |
6.147% 1 |
1.875% |
0% |
$575.66 2 |
Rates for Hawaii as of 04/02/2026 and for Guam as of 04/03/2026 and can change without notice. Rate is based on a 60-day lock period for purchase transactions.
The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
1 APR includes a 3.30% VA funding fee.
2 Payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
| Interest Rate |
|
Annual Percentage Rate |
|
Points |
|
Down payment |
|
Monthly Principal & Interest Payment per $100,000 borrowed |
|
|---|---|---|---|---|---|---|---|---|---|
|
30 year |
5.875% |
6.063% |
2.000% |
20% |
$591.54 1 |
||||
|
15 year |
5.375% |
5.549% |
1.125% |
20% |
$810.47 1 |
Rates as of 04/03/2026 and can change without notice. Rate is based on 45-day lock for purchase transaction.
Maximum loan amount for these rates and terms is $1,249,125 for most Hawaii counties and Guam, except Maui and Kalawao where the maximum conforming loan limit is $1,299,500. Other options with different amounts, rates, and terms are available. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan-to-value ratio, etc.
1Payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
| Interest Rate |
|
Annual Percentage Rate |
|
Time Initial Rate is Fixed |
|
Points |
|
Monthly Principal & Interest Payment per $100,000 borrowed |
|
Current Adjusted Rate |
|
Current Adjusted Payment |
|
Reset Period |
|
First Change Cap |
|
Subsequent Change Cap |
|
Maximum Life Time Caps Over Initial Interest Rate |
|
Floor Rate | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
5/6 ARM1 |
5.250% |
6.092% |
5 years |
1.750% |
$552.20 2 |
6.375% 3 |
$623.87 3 |
6 months |
+2% / -2% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
7/6 ARM1 |
5.375% |
6.030% |
7 years |
1.750% |
$559.97 2 |
6.375% 3 |
$623.87 3 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
10/6 ARM1 |
5.500% |
5.967% |
10 years |
1.750% |
$567.79 2 |
6.375% 3 |
$623.87 3 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
Interest Rates effective 04/02/2026 and are based on a 45-day lock period for purchase transactions.
1 Maximum loan amount for these rates and terms is $1,249,125 for most Hawaii counties and Guam, except Maui and Kalawao where the maximum conforming loan limit is $1,299,500. Other options with different amounts, rates, and terms are available. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan-to-value ratio, etc.
2 Monthly payments are per $100,000 borrowed and do not include additional costs such as taxes and insurance. Actual monthly payment will be greater.
3 Since the index in the future is unknown, the Current Adjusted Interest Rate and Current Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is based on the 30 Day Average of the Secured Overnight Funding Rate (SOFR) as published daily by the Federal Reserve Bank of New York, plus a margin of 2.75%. For more information on the SOFR index, please visit the Federal Reserve Bank of New York.
| Interest Rate |
|
Annual Percentage Rate |
|
Time Initial Rate is Fixed |
|
Points |
|
Monthly Principal & Interest Payment |
|
Current Adjusted Rate |
|
Current Adjusted Payment |
|
Reset Period |
|
First Change Cap |
|
Subsequent Change cap |
|
Maximum Life Time Caps Over Initial Interest Rate |
|
Floor Rate | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
5/6 ARM 1 |
5.500% |
6.115% |
5 Years |
0.875% |
$567.79 2 |
6.375%3 |
$623.873 |
6 months |
+2% / -2% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
7/6 ARM 1 |
5.625% |
6.075% |
7 Years |
0.875% |
$575.66 2 |
6.375%3 |
$623.873 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
10/6 ARM 1 |
5.750% |
6.048% |
10 Years |
0.875% |
$583.57 2 |
6.375%3 |
$623.873 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
Interest Rates effective 04/02/2026 and are based on a 45-day lock period for purchase transactions.
1 For loan amounts greater than $999,999. Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease every 6 months according to the then current index. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
2 Monthly payments are per $100,000 borrowed and do not include additional costs such as taxes and insurance. Actual monthly payment will be greater.
3 Since the index in the future is unknown, the Current Adjusted Interest Rate and Current Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is based on the 30 Day Average of the Secured Overnight Funding Rate (SOFR) as published daily by the Federal Reserve Bank of New York, plus a margin of 2.75%. For more information on the SOFR index, please visit the Federal Reserve Bank of New York.
| Interest Rate |
|
Annual Percentage Rate |
|
Time Initial Rate is Fixed |
|
Points |
|
Monthly Principal & Interest payment per $100,000 borrowed |
|
Current Adjusted Rate |
|
Current Adjusted Payment |
|
Reset Period |
|
First Change Cap |
|
Subsequent Change Cap |
|
Maximum Life Time Caps Over Initial Interest Rate |
|
Floor Rate | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
5/6 ARM 1 |
5.250% |
6.092% |
5 years |
1.750% |
$552.20 2 |
6.375%3 |
$623.873 |
6 months |
+2% / -2% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
7/6 ARM 1 |
5.375% |
6.030% |
7 years |
1.750% |
$559.97 2 |
6.375%3 |
$623.873 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
10/6 ARM 1 |
5.500% |
5.967% |
10 years |
1.750% |
$567.79 2 |
6.375%3 |
$623.873 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
Interest Rates effective 04/03/2026 and are based on a 45-day lock period for purchase transactions.
1 Maximum loan amount for these rates and terms is $1,249,125 for most Hawaii counties and Guam, except Maui and Kalawao where the maximum conforming loan limit is $1,299,500. Other options with different amounts, rates, and terms are available. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan-to-value ratio, etc.
2 Monthly payments are per $100,000 borrowed and do not include additional costs such as taxes and insurance. Actual monthly payment will be greater.
3 Since the index in the future is unknown, the Current Adjusted Interest Rate and Current Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is based on the 30 Day Average of the Secured Overnight Funding Rate (SOFR) as published daily by the Federal Reserve Bank of New York, plus a margin of 2.75%. For more information on the SOFR index, please visit the Federal Reserve Bank of New York .
1. Create an account (if you don’t already have one).
2. Log in and provide us with some financial information.
3. Choose a loan term and rate.
1. Pay stubs for the most recent 30-day period.
2. W-2s from the last 2 years.
3. Tax returns from the last 2 years.
4. Bank statements for the most recent 2-month period or quarter.
Have questions? Contact our local lending experts to get all your questions answered.
In 2025, Bank of Hawaiʻi was the No. 1 local bank in total loan dollars and number of residential loans.+
+#1 Residential Lender ranking is for total loan dollars and number of residential loans made by a local lender in the State of Hawaiʻi in 2025. Information compiled by Title Guaranty derived from Hawaiʻi Bureau of Conveyances tax data recorded information for December 2025. Information is deemed reliable but not guaranteed.
Links to other sites are provided as a service to you by Bank of Hawaii. These other sites are neither owned nor maintained by Bank of Hawaii. Bank of Hawaii shall not be responsible for the content and/or accuracy of any information contained in these other sites or for the personal or credit card information you provide to these sites.
