Buying a Home

Purchasing a home in Hawaii is a big undertaking, and we're here to help with a variety of programs for eligible borrowers


Available Mortgage Loan Programs1

  • First Time Home Buyers: Anyone who hasn't owned a home within the last 3 years

  • Conforming Loans: A home loan option for buyers who have an established credit history and can meet the standard guidelines to finance a home

  • Non-Conforming Loans: A flexible home loan if the property or borrowing situation does not meet conforming loan guidelines. Unique properties include condotels or condominiums with a high percentage of commercial space

  • Veterans Affairs (VA) Loans: Veterans looking to purchase a home

  • Jumbo Loans: Home loan financing for loans over $1,089,300

  • Construction & Land Loans: Financing options for building your dream home from the ground up

Already own a home?

Interested in learning more?

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Mortgage Rates

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Visit Home Loan Center

Not sure where to start? Stop by a Home Loan Center to get started

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Current Mortgage Promotions

We're currently offering special promotions that can help you save money on closing costs

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Let's Talk

Manuel August, Jr.'s photo

Manny August

Island: Oahu
NMLS #662118
Phone: (808) 927-4512

Eric Myajima's photo

Eric Miyajima

Island: Maui
NMLS #1325920
Phone: (808) 872-4908

Reyn Sugai's photo

Reyn Sugai

Island: Oahu
NMLS #1636384
Phone: (808) 593-4864

All Mortgage Loan Officers >

Common Questions:

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How to Start Saving Money for a House

Owning a house in Hawaiʻi is so meaningful for us kamaʻāina - a foundation for long-term financial stability, a place for our family...

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Using a Mortgage Calculator

Are you thinking of buying a home in Hawaii? Whether you’re a first time home buyer or are seeking to downsize in retirement, estimating your mortgage...

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What Are Mortgage Points?

Mortgage points are one of the most often-referenced (and most confusing) parts of the mortgage conversation. Our expert loan officer has experience making sense of mortgage points and helping families use them as tools....

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  1. Loan programs and products are subject to loan qualification, credit policy and underwriting standards for the respective program or product. Certain terms, conditions and restrictions may apply. Programs/products subject to change or discontinuation without notice.