MORTGAGES

First Time Home Buyer

We're by your side, from start to close.

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Start your journey with us

If you’re looking for a simple way to get your first home, our First-Time Home Buyer program was created for you. Our local mortgage experts are here to help you every step of the way.

YOUR FINANCIAL GOALS

Get pre-qualified

Even if you're not quite ready to buy, we can help you get pre-qualified. See how much home you can afford. The process is easy with SimpliFi Mortgage by Bank of Hawaii and with our local mortgage experts who are here to help.

Already have a home selected?

The process is a little different when you already have entered into a purchase contract. Give us a call or meet with our local mortgage experts, so we can put you on the path to success.

Simplifi Mortgage

Low fixed-rate mortgage products

Low fixed-rate mortgage products
30 year 1 15 year 1 VA 30 year 1
Interest Rate 3.250% 2.750% 3.250%
Annual Percentage Rate 3.421% 3.021% 3.508%3
Points 2.125% 1.875% -0.125%
Down Payment 20% 20% 0%
Monthly Principal & Interest Payment
per $100,000 borrowed
$435.212 $678.622 $435.212

Rates as of 12/6/2019 and can change without notice. Rate is based on 45-day lock for purchase transaction.

1 Maximum loan amount $726,525
2 The information provided on this page is for informational and comparitive purposes only. Rates and terms may change at any time and without prior notice. 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. The 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.
3 APR includes a 3.30% VA funding fee.

Simplifi Mortgage

Low fixed-rate mortgage products

Interest Rate
3.250%
Annual Percentage Rate
3.421%
Points
2.125%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
$435.212
Interest Rate
2.750%
Annual Percentage Rate
3.021%
Points
1.875%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
$678.622
Interest Rate
3.250%
Annual Percentage Rate
3.508%3
Points
-0.125%
Down Payment
0%
Monthly Principal & Interest Payment
per $100,000 borrowed
$435.212

Rates as of 12/6/2019 and can change without notice. Rate is based on 45-day lock for purchase transaction.

1 Maximum loan amount $726,525
2 The information provided on this page is for informational and comparitive purposes only. Rates and terms may change at any time and without prior notice. 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. The 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.
3 APR includes a 3.30% VA funding fee.

1 Maximum loan amount $726,525
2 The information provided on this page is for informational and comparitive purposes only. Rates and terms may change at any time and without prior notice. 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. The 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.
3 APR includes a 3.30% VA funding fee.

Read more

Let's talk about your home dreams

INSIGHTS

3 Lessons This Millennial Couple Learned When Buying Their First Home

Buying the home of their dreams turned out to be simpler than they expected.

FTHB Millennial

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Take advantage of our First Time Home Buyer program today.
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#1 Trusted Lender

#1 in total dollars and number 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 2018. Information compiled by Title Guaranty derived from Hawaii Bureau of Conveyances tax data recorded information for 2018. Information is deemed reliable but not guaranteed.

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