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 Buyer: Anyone who hasn't owned a home within the last 3 years

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

  • Non-Conforming Loan: 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

  • Hawaiian Home Lands Loan: A home loan option for eligible Native Hawaiians with the ability to mortgage a leasehold interest in real property that is subject to the Hawaiian Homes Commission Act, 1920, as amended.

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

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

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

Already own a home?

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Mortgage Rates

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Mortgage Credit Certificate (MCC)

Reduce your payment on federal income tax and get more available income to qualify for a mortgage loan and assist with house payments

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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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Talk with Our Mortgage Loan Experts

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Manny August

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

Edina Galla's photo

Edina Galla

Island: Oahu/Hawaii Island 
NMLS: #374225 
Phone: (808) 593-4863

Reyn Sugai's photo

Reyn Sugai

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

All Mortgage Loan Officers >

Common Questions:

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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.