Click here to open or close the menu

First-Time Home Buyer

Let us make buying your first home easier.

From start to finish, we’re here to help you every step of the way.

Get prequalified

Assess your borrowing potential before you apply. Why get prequalified?

Get prequalified

Apply now for a mortgage

Get started by creating an account and applying for your mortgage online.

Apply for a mortgage
Resume your in-progress application

What you get

0.50% discount off Mortgage points.**

No prepayment penalty

Fixed or adjustable interest rate options

Variety of terms available

Homeownership counseling

What you need

Recent pay stubs within 30 days

IRS Form W2 for the last 2 years

State and federal personal income tax returns for the last 2 years

Current bank statements for the most recent 2-month period or quarter

Landlord information or rental agreements

Closing contract if you already found a home

**Mortgage points, or discount points, are fees you can pay to the lender at closing in exchange for a lower interest rate, potentially reducing your monthly mortgage payments. Typically, each point costs 1 percent of your mortgage amount.

Connect with our experts

Book an appointment

Choose from in-person or phone appointments at a time and location that’s convenient for you.

Send a message

Send us your question and one of our home loans experts will contact you.

Alt text here

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 2020. Information compiled by Title Guaranty derived from Hawaii Bureau of Conveyances tax data recorded information for 2020. Information is deemed reliable but not guaranteed.

Your privacy

We use cookies to improve your experience on our site, show you personalized content, and analyze our traffic. By continuing to use this site, you agree to our use of cookies as described in our Online Privacy Policy.

You're about to exit BOH.com

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.