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Prequalification

Ready to know your buying power? You’re one step closer.

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 September 30, 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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SimpliFi MortgageSM by Bank of Hawaii

Four advantages of prequalification

Getting prequalified allows you to have a better understanding of your financial health. It also saves you time and frustration in the long run.


Search for homes in the right price range.

Set realistic expectations by assessing your current finances.


Ensure your offer will be taken seriously.

Sellers have more confidence when you’ve taken the time to prequalify.


Gain an advantage over other buyers.

Get a leg up on other bidders in a competitive housing market.


Get visibility into your financial health.

You may need to lower your debt, save for a larger down payment or fix errors on your credit report.

Get Prequalified Today

Know your buying power.

Bank of Hawaii is here to help with each step of your homebuying journey. Our simple online prequalification process only takes a few minutes—and then you can get back to planning your dream living room.

Get started

 

Simplifi Mortgage

Low fixed-rate mortgage products

Low fixed-rate mortgage products
30 year 1 15 year 1 VA 30 year 1
Interest Rate 2.750% 2.250% 2.750%
Annual Percentage Rate 2.750% 2.338% 3.015%3
Points 0.000% 0.625% -0.250%
Down Payment 20% 20% 0%
Monthly Principal & Interest Payment
per $100,000 borrowed
$408.242 $655.082 $408.242

Rates as of 11/27/2020 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
2.750%
Annual Percentage Rate
2.750%
Points
0.000%
Down Payment
20%
Monthly Principal & Interest Payment
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
$655.082
Interest Rate
2.750%
Annual Percentage Rate
3.015%3
Points
-0.250%
Down Payment
0%
Monthly Principal & Interest Payment
per $100,000 borrowed
$408.242

Rates as of 11/27/2020 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.

Read more

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Let’s get started

What to expect when applying online for prequalification 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.

Get Prequalified

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

The Complete Guide to Buying a Home in Hawaii

Whether you’re buying your first house, or just finding the right fit for your next home, there’s a lot you may not know. Our new e-book covers some of the most important aspects you’ll need to consider when purchasing property.

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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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