USDA Loans

Government program that helps homeowners refinance a mortgage in an eligible rural area

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USDA Loans[[#1]]

The Rural Housing Service Loan (RHS) provides borrowers the opportunity to refinance a home in eligible rural areas

USDA Loans[[#1]] Features and Benefits

  • Loan amounts up to $1,149,825
  • Financing up to 100% of the appraised property value[[#1]]
  • No private mortgage insurance required
  • Income limits and other restrictions may apply
  • See today's rates and loan terms and conditions, including payment examples
rural home

Ideal for

  • Homeowners with a property in an eligible rural area 

  • Buyers who meet the USDA income guidelines

Current Promotion

  • Purchase Promotion[[#3]]
    • Receive up to a 0.25 point discount off your origination fee with FHB Auto-Pay [[#3]]​​​​​​​

What is the impact of making extra payments on my mortgage debt?

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Rick Smith

Rick Smith

Senior Mortgage Loan Officer

NMLS #543118

Apply with Rick
Lan Yao

Lan Yao

Senior Digital Mortgage Loan Officer

NMLS #2042254

Apply with Lan
Christopher Kim Bento

Christopher Kim Bento

Digital Mortgage Loan Officer

NMLS #1369899

Apply with Christopher
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FAQs

    How do I know which mortgage is right for me?

    It’s all about you, your budget, and your life. We have a variety of mortgage types, and we can help you find the one that’s right for you. For a free analysis and recommendation of the best mortgage loan program for you, please call us at 808-643-HOME (4663) or take a look at our Mortgage Selector Tool. We also have mortgage calculators that can help you determine what is right for you.

      How can I find out about refinancing?

      Find out about rates and more online or call us to talk about your refinancing options at 808-643-4663.

        How can I apply for a new mortgage?

        Welcome home! We’re here to help make the process of applying for a mortgage as simple for you as possible. 

        • Contact our customer service line for new or current mortgage customers. We’ll put you in contact with a mortgage specialist who will be able to help make your dreams come true.
        • Apply in person at the branch most convenient for you
          How can I manage and make payments to my Mortgage?

          FHB Online & Mobile Banking enables you to easily view your mortgage transactions, current mortgage balance and upcoming payment due. You can also make a payment to your mortgage from your FHB checking or savings account using the Make a Payment form, or from your account at another bank by using  external transfers.

          If you have not yet enrolled for FHB Online & Mobile Banking, you can enroll here.

           

          Didn’t find an answer? Still have questions?

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            Disclosures

            1. Certain conditions may apply. Please contact a Mortgage Loan Officer for more details.
            2. Subject to credit approval. For dwellings less than 12 months old that have never been occupied, a 10% down payment may be required
            3. Receive up to a 0.25 point discount off your origination fee with FHB Auto-Pay. To receive this discount, you must enroll in automatic electronic fund transfer payments from a First Hawaiian Bank personal checking or savings account to make your monthly payments (“Auto-Pay”) before final loan approval. Only home purchase transactions financed through First Hawaiian Bank are eligible for this offer. Offer is good only with a completed loan application submitted to First Hawaiian Bank and cannot be combined with any other promotions, discounts or loan programs, unless stated otherwise. Subject to change or discontinue without
              notice. Terms and conditions vary. Subject to credit approval and loan closing. Not available for home equity loans/lines or for mortgage loans originated through mortgage brokers/originator companies. Certain other restrictions apply.

            USDA Loans

            USDA Loans

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