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Mortgage Home Loans

Let Hawaii’s #1 local lender* finance your dream home.

Memories that last. An offer that won’t.

Save $500 - $5,000 or more1 in closing costs

Right now, we’ll take 0.50% off points in closing costs when you apply and qualify for a new mortgage or refinance from another bank from now through December 31, 2020. That’s eye-opening savings you’ll never forget, and an opportunity you’ll always remember.

  • Potential savings of $500 to $5,000 or more1 with 0.50% off closing costs
  • Applies only to new mortgages and refinanced mortgages from another bank
  • Applications must be received by December 31, 2020

Get started

Questions? Connect with a local expert.

Actual discount is based on your loan amount. New mortgage application must be received by December 31, 2020. Subject to loan approval and closing. Loan must record by March 31, 2021. Excludes Construction to Permanent, and Adjustable Rate Mortgage loans. Additional restrictions may apply. Offer subject to change.

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Mortgage Application Checklist

Ready to Apply? Here’s how to tell.

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.

Step 1
Do you have an accepted offer?

Once you have an accepted offer and signed contract, we can process your loan application.

Step 2
Are you ready to lock in your rate?

With today’s low interest rates, now is the time to apply and lock in a low rate.

Step 3
Do you have a down payment plan?

Ask our local lending experts about the down payment options available to you.

SimpliFi by Bank of HawaiiSM

Apply online in minutes.

With SimpliFi Mortgage 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.

Get started


Have questions? Contact our local lending experts to get all your questions answered.

Not prequalified yet?

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.
Hawaii Mortgage Rates

Fixed-rate Mortgage Products

Fixed-rate Mortgage Products
30 year 1 15 year 1 VA 30 year 1
Interest Rate 2.750% 2.250% 3.250%
Annual Percentage Rate 2.808% 2.410% 3.543%3
Points 0.750% 1.125% 0.000%
Down Payment 20% 20% 0%
Monthly Principal & Interest Payment
per $100,000 borrowed
$408.242 $655.082 $435.212

Rates as of 10/23/2020 and can change without notice. Rate is based on 45-day lock for purchase transaction.

1 Maximum loan amount $765,600
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 3.60% VA funding fee.

Hawaii Mortgage Rates

Fixed-rate Mortgage Products

Interest Rate
2.750%
Annual Percentage Rate
2.808%
Points
0.750%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
$408.242
Interest Rate
2.250%
Annual Percentage Rate
2.410%
Points
1.125%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
$655.082
Interest Rate
3.250%
Annual Percentage Rate
3.543%3
Points
0.000%
Down Payment
0%
Monthly Principal & Interest Payment
per $100,000 borrowed
$435.212

Rates as of 10/23/2020 and can change without notice. Rate is based on 45-day lock for purchase transaction.

1 Maximum loan amount $765,600
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 3.60% VA funding fee.

1 Maximum loan amount $765,600
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 3.60% VA funding fee.

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SimpliFi Mortgage by Bank of Hawaii

What to expect when applying for a mortgage with SimpliFi Mortgage℠ 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.

What you will need to apply:

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.

Start your application

Have questions? Contact our local lending experts to get all your questions answered.

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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 2019. Information compiled by Title Guaranty derived from Hawaii Bureau of Conveyances tax data recorded information for 2019. Information is deemed reliable but not guaranteed.

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