First Time Home Buyer Loan Programs1

Get the Right Loan for You

In Hawaii, purchasing a home can be a big task.
Let us help you choose the right loan to help you get your dream home in Hawaii.


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This is HOME: An Affordable Financing Solution for Hawaii's kamaaina

A home loan for first time home buyers that includes a wider Area Median Income (AMI) range for buyers who earn between 80% - 140% to help them achieve their dream of homeownership in Hawaii.

This is HOME Features

  • Down payment as low as 3%
  • Discounted interest rate that'll save you hundreds of dollars each month
  • Lower mortgage insurance requirement
  • Reduced closing costs with no added fees or pricing adjustments
  • Eligible borrowers' annual qualifying income can be up to $169,950 for a family of four

Learn About Different First Time Home Buyer Loans and Rate Types

Conforming Loan

If you have established credit history and the property meets standard guidelines, you could qualify for a Conforming Loan with competitive market rates. 30-Year and 15-Year fixed rate mortgages available. Learn More >

Non-Conforming Loan

Non-Conforming (or Portfolio) loans offer some flexibility, if the property or your borrowing situation does not meet conforming loan guidelines. Available for loan amounts up to $2 million for purchasing or refinancing a home. Learn More >

Fixed Rate Loan

Fixed Rate mortgages have a set interest rate so that the monthly principal and interest payment stays the same for the life of the loan. We have 15 and 30 year Fixed Rate loans that'll help to give you ease of mind when buying your home in Hawaii.

Adjustable Rate Mortgage (ARM) Loan

An Adjustable Rate Mortgage (ARM) Loan features a fixed interest rate for an introductory period of time (either 7 or 10 years). After the introductory period, the interest rate and payments may adjust higher or lower based on market interest rates.

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What Type of Home Loan Programs are There?

Fannie Mae 

Provides Single-Family and Multifamily homeowners with stable, predictable mortgage payments over the life of the loan

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Freddie Mac 
Home Possible®

Offering more options and flexibility to help low-to moderate-income borrowers purchase their dream home

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Mortgage Credit 
Certificate (MCC)

Assistance to families of low or moderate income by reducing federal income tax 

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Combined First & 
Second Mortgage

Purchase a home with a minimum 10% down payment and no private mortgage insurance 

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Loan Officer

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Loan Center

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Common Questions:

  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.

Fannie Mae® is a registered trademark of the Federal National Mortgage Association.  Freddie Mac® is a registered trademark of the Federal Home Loan Mortgage Corporation.