First Step Home Loan[[SM]]
When you’re ready to leap into homeownership, we’re here to help you take the first step.
First Step Home Loan[[SM]][[#1]] Features and Benefits
- Low down payment of 10.01% with as little as 3% down payment from the buyer and the remainder from family[[#2]]
- Waiver of mortgage insurance
- Maximum loan amount of $1,149,825
- Maximum loan-to-value ratio of 89.99%
- Choose from either a fixed-rate or adjustable rate mortgage
- Fixed rates and low down payments
- See today's rates and loan terms and conditions, including payment examples
![First-time homebuyers First-time homebuyers](/sites/default/files/styles/original/public/2021-01/FirstTime_Homebuyer_Single%401x.jpg?itok=6IodP_JJ)
Current Promotion
First-Time Homebuyer Discount[[#3]][[, ]][[#4]]
- Receive up to a 0.50 point discount off your closing costs with FHB Auto-Pay[[#3]]
Ideal for
- Owner occupants with no prior majority ownership greater than 50% of any residential real estate in last three years[[#4]]
- First time homebuyers purchasing residential property in Hawaii[[#5]]
Ready to Apply?
![Daniel Costigan](https://www.fhb.com/sites/default/files/styles/original/public/2024-02/Costigan%20Daniel.jpg?itok=_Mdb4-Eq)
Daniel Costigan
![Lan Yao](https://www.fhb.com/sites/default/files/styles/original/public/2024-02/Yao%20Lan.jpg?itok=R-1447pz)
Lan Yao
![Rick Smith](https://www.fhb.com/sites/default/files/styles/original/public/2024-02/Rick.jpg?itok=I6gO_LxH)
Rick Smith
We're here to help.
FAQs
Didn’t find an answer? Still have questions?