MORTGAGES
Home Loans
Purchase your next home with ease and confidence.
Ready to purchase a home?
Whether your buying a home or investing in a new property, you’ve come to the right place. SimpliFi Mortgage by Bank of Hawaii can help you get the right mortgage fast and easy, and with experts that understand the market, you’ll be at an advantage.
FIXED RATE
Fixed monthly principal payments for the term of the loan
Fixed interest rate for the term of the loan
No prepayment penalty
For owner-occupant, second home, and investor purchases
ADJUSTABLE RATE
Lower monthly payments initially
Rates adjust every year after the 3rd, 5th, 7th, or 10th year depending upon the Adjustable Rate Mortgage loan you select
No prepayment penalty
For owner-occupant, second home, and investor purchases
Simplifi Mortgage
Low fixed-rate mortgage products
| 30 year 1 | 15 year 1 | VA 30 year 1 | |
|---|---|---|---|
| Interest Rate | 3.250% | 2.625% | 3.250% |
| Annual Percentage Rate | 3.360% | 2.932% | 3.554%3 |
| Points | 1.375% | 2.125% | 0.125% |
| Down Payment | 20% | 20% | 0% |
|
Monthly Principal & Interest Payment per $100,000 borrowed |
$435.212 | $672.692 | $435.212 |
Rates as of 01/21/2020 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.
Simplifi Mortgage
Low fixed-rate mortgage products
Interest Rate
3.250%
Annual Percentage Rate
3.360%
Points
1.375%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
per $100,000 borrowed
$435.212
Interest Rate
2.625%
Annual Percentage Rate
2.932%
Points
2.125%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
per $100,000 borrowed
$672.692
Interest Rate
3.250%
Annual Percentage Rate
3.554%3
Points
0.125%
Down Payment
0%
Monthly Principal & Interest Payment
per $100,000 borrowed
per $100,000 borrowed
$435.212
Rates as of 01/21/2020 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.
INSIGHTS
How to Find the Right Downpayment Option
You may not need to put down 20 percent of the purchase price to buy a home. Learn about your options here.
#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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