MORTGAGES
Home Loans
Purchase your next home with ease and confidence.
Ready to purchase a home?
Whether you’re 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
Depending upon the Adjustable Rate Mortgage you select, after the initial fixed rate period, rates will adjust every 6 months according to the current index.
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 | 2.750% | 2.250% | 3.125% |
| Annual Percentage Rate | 2.867% | 2.338% | 3.416%3 |
| Points | 1.500% | 0.625% | 0.000% |
| Down Payment | 20% | 20% | 0% |
|
Monthly Principal & Interest Payment per $100,000 borrowed |
$408.242 | $655.082 | $428.382 |
Rates as of 05/13/2021 and can change without notice. Rate is based on 45-day lock for purchase transaction.
1 Maximum loan amount $822,375
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
2.750%
Annual Percentage Rate
2.867%
Points
1.500%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
per $100,000 borrowed
$408.242
Interest Rate
2.250%
Annual Percentage Rate
2.338%
Points
0.625%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
per $100,000 borrowed
$655.082
Interest Rate
3.125%
Annual Percentage Rate
3.416%3
Points
0.000%
Down Payment
0%
Monthly Principal & Interest Payment
per $100,000 borrowed
per $100,000 borrowed
$428.382
Rates as of 05/13/2021 and can change without notice. Rate is based on 45-day lock for purchase transaction.
1 Maximum loan amount $822,375
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.
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.
Other accounts
Personal
Investors
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.