- Interest Rate
- 6.125%
- Annual Percentage Rate
- 6.292%
- Points
- 1.750%
- Down Payment
- 20%
-
Monthly Principal & Interest Payment
per $100,000 borrowed - $607.61 1
Prequalification
Ready to know your buying power? You’re one step closer.
SimpliFi MortgageSM by Bank of Hawaii
Four advantages of prequalification
Getting prequalified allows you to have a better understanding of your financial health. It also saves you time and frustration in the long run.
Search for homes in the right price range.
Set realistic expectations by assessing your current finances.
Ensure your offer will be taken seriously.
Sellers have more confidence when you’ve taken the time to prequalify.
Gain an advantage over other buyers.
Get a leg up on other bidders in a competitive housing market.
Get visibility into your financial health.
You may need to lower your debt, save for a larger down payment or fix errors on your credit report.
Get Prequalified Today
Know your buying power.
Bank of Hawaii is here to help with each step of your homebuying journey. Our simple online prequalification process only takes a few minutes—and then you can get back to planning your dream living room.
Mortgage Rates
- Fixed-rate
- Fixed-rate Jumbo
- Fixed-rate VA
- Fixed-rate in Guam
- Adjustable-rate (ARM)
- Adjustable-rate (ARM) Jumbo
- Adjustable-rate (ARM) in Guam
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Rates as of 05/22/2026 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.
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Rates as of 05/22/2026 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.
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Rates for Hawaii as of 05/22/2026 and for Guam as of 05/26/2026 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.
Use swipe gestures, arrow keys, or navigation buttons to move between columns.
Rates as of 05/26/2026 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.
Use swipe gestures, arrow keys, or navigation buttons to move between columns.
Interest Rates effective 05/22/2026 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.
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Interest Rates effective 05/22/2026 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.
Use swipe gestures, arrow keys, or navigation buttons to move between columns.
Interest Rates effective 05/26/2026 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 .
Let’s get started
What to expect when applying online for prequalification with SimpliFi by Bank of Hawaii:
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.
Have questions? Contact our local lending experts to get all your questions answered.
The Complete Guide to Buying a Home in Hawaii
Whether you’re buying your first house, or just finding the right fit for your next home, there’s a lot you may not know. Our e-book covers some of the most important aspects to consider.
Trusted Lender
In 2025, Bank of Hawaiʻi was the No. 1 overall residential real estate lender in the state.+
+In number and dollars of residential real estate loans originated in 2025, using data from the Hawaii Bureau of Conveyances.
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