There are several options to make a payment to your loan:

• Enroll for FHB Online & Mobile Banking and use Make an FHB Payment option from a First Hawaiian Bank account, or use External Transfers to make a payment from an external bank account.
• Mail in your payment to:
  First Hawaiian Bank
  P.O. Box 29450
  Honolulu, Hi 96820-1850
• Visit any First Hawaiian Bank branch to make your payment
• Wire transfer funds to make your payment

Please contact us at (808) 943-4525 to request a payoff quote.

A personal loan is an installment loan product with a fixed term. When your application is approved, the full loan amount you are approved for is disbursed to you at once, and you begin accruing interest on the outstanding amount immediately from that day. Because FHB's personal loans all offer fixed rates over the life of the loan, your monthly payments are the same throughout the loan term.  

In contrast, a Personal FirstLine (PFL) is a revolving line that can be drawn on at any time up to your available credit limit. You can draw on your PFL by making a transfer within FHB Online, writing a check, or by requesting a withdrawal in person at an FHB branch. As you repay the outstanding principal (the amount you have drawn from your line), your available credit will increase by the amount you have repaid. Consequently, your monthly payment will vary if your outstanding balance and/or the rate changes.

You may apply online or by visiting any FHB branch.  

You will need documents and information to apply:  

• Social Security Number
• Income verification documents (only for loan amounts over $5,000): 
  • All pay stubs from most recent calendar month, OR
  • W-2 or 1099 Forms from the past 2 years, OR
  • Last 2 federal personal income tax returns with all schedules signed

After submitting your application, FHB may follow up to verify your information

It is a line of credit secured by your home or other improved property you own. Depending on the equity in the property, and other factors, your credit line can range from $20,000 to $1,500,000.

A Home Equity Line of Credit has a Draw Period and a Repayment Period. During the draw period you can draw on your line of credit by writing a check or advancing the funds through FHB Online. Besides an annual fee, there are no monthly payments until you draw on your line and you can even make interest-only payments during the Draw Period. As you pay down the balance on your line of credit, it becomes available to use again.

During the Repayment Period, you can no longer draw on your line of credit and must repay any outstanding balances. Outstanding balances can be converted to fully-amortized, fixed-rate locks during both the Draw Period and Repayment Period.

There is a $100 annual fee assessed one year after the Draw Period begins and $100 each year thereafter. The annual fee is waived if you have a Priority Banking Platinum Checking Account. The annual fee will not be charged during the Repayment Period.

First Hawaiian Bank offers a home equity line of credit on many types of property, including:

• Fee simple or leasehold properties
• Owner-occupied homes (primary residence)
• Non-owner-occupied (rental or investment) homes
• Second/vacation homes
• Single family residences
• Leaseholds (owner-occupied only)
• Duplex, triplex, fourplex

You must have property insurance on the property you use for collateral. Only available for properties located in Hawaii and Guam.

Once you’ve opened your Home Equity Line of Credit, you’ll receive checks that look and work much like any regular personal checks. To draw on your line of credit, just write a check for the amount you need. You can also draw on your line using FHB Online. Even if you don’t need the funds now, it’s nice to know your Home Equity Line of Credit will be there when you need it.

Use it for home improvements, tuition payments, bill consolidation, buy a new car, or go on vacation. It's easy and convenient to pay for almost anything.

The lien release will be sent to the mailing address on the loan at time of payoff. If you need to change this information, you may send us a Secured Message through FHB Online using the subject, "Mortgage".

Find out about rates and more online at FHB.com or by calling Home by Phone at 808-643-4663.

Please contact us at 808-844-4178 or toll-free at 1-800-362-7606, Monday through Friday 7:30am -4:30pm HST if you are unable to make your mortgage payment.

For questions regarding existing mortgage accounts, please call Mortgage Service Center at 808-844-4178 or toll-free at 1-800-362-7606, Monday through Friday 7:30am - 4:30pm HST.

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 online using our Digital Home Loans Portal 
• Apply in person at the branch most convenient for you

Choosing the right mortgage depends on your budget and situation. You would also have to understand the various features of your options. 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.

The difference between a mortgage loan originator and a mortgage broker is that our mortgage loan originators are in-house and provide you with customized one-on-one service. A mortgage broker does not work for a particular bank and actually shops a list of several banks and alternative lenders to find a mortgage for his or her clients. They are not always able to provide you with other financial products. At First Hawaiian Bank, our mortgage loan originators provide information about our home financing options and will help guide you through the entire purchase process. Our mortgage specialists can also give you access to other banking experts who can help meet your other financial needs.

Your county will record the lien release (a document stating your mortgage is paid in full) after we notify and send them all applicable documents. Once we have received the recorded lien release, it’s sent to the mailing address on file. Please contact your county record’s office for a copy of the lien release.

If there is an overpayment, your refund check will be sent approximately 10 business days after the final payment is received.

Please call 808-844-4178 or toll-free 1-800-362-7606 to request a payoff quote. Please have your complete loan number and the date you expect us to receive your final payment when you call.

A payoff statement itemizes the amount required to fully satisfy all obligations secured by the loan that is the subject of the payoff request. This written statement is prepared in response to a request by a client or an authorized 3rd party. There is no charge to have a payoff statement mailed to you or an authorized third party.

Yes, multiple advance payments can be scheduled. However, when making advance payments, you must specify whether those additional payments should be applied to future monthly payments or to the principal.

There are certain situations where this option is not available. For further information, please call Mortgage Loan Servicing at 808-844-4178 or toll free at 1-800-362-7606, Monday through Friday 7:30am -4:30pm HST for details.

We will notify you by mail that your request was not processed and a $20 fee for insufficient funds will be assessed to your loan.

A payment to your mortgage loan via a credit card or credit card "convenience checks" is not allowed at this time. Please contact us at 808-844-4178 or toll-free at 1-800-362-7606, Monday through Friday 7:30am -4:30pm HST if you wish to discuss other payment options.

You may use any checking or savings account with U.S. funds to which you are an account holder and have the authority to use.

As long as your current month's mortgage payment has been posted to your loan and you have no outstanding fees, you will be able to make additional principal only payments. The most convenient option is to make your payment via the FHB Online & Mobile Banking option to Make an FHB Payment.

Payments will be applied the following business day. The date you submit the transfer will be your payment date as long as the transfer is completed prior to the transfer cutoff time. Any transfers processed after the transfer cutoff time will reflect the following business day as your payment date.

If making a payment at a branch, please let the banker know so they can process the payment accordingly.

Use it for home improvements, tuition payments, bill consolidation, buy a new car, or go on vacation. It's easy and convenient to pay for almost anything.

Consumer Home Equity Loans cannot be used to purchase the subject property.

While the Consumer Home Equity Loan and Home Equity Line of Credit (HELOC) are both secured by your real property, they have some differences. The Consumer Home Equity Loan is an installment loan with a fixed loan amount, interest rate and term, resulting in a fixed monthly payment. A HELOC is a line of credit that can be drawn on at any time during the Draw Period, up to your credit limit. In contract to the Consumer Home Equity Loan, the HELOC has a variable rate, meaning your monthly payments may vary. Under a HELOC, you also have the option to convert variable-rate balances to fixed-rate balances.

You may pay online at FHB.com, set up automatic payments, or mail your payment to the following address:  

First Hawaiian Bank 
P.O. Box 29450 
Honolulu, HI 96820-1850  

You may also drop off your payment at any First Hawaiian Bank branch location.

 No. A First Hawaiian Bank relationship is not required to apply/qualify.

 You may apply via:

• Online Application
  Please note: Applications for secured loans/lines of credit and applications for line increases on existing Business FirstLines cannot be submitted online. In addition, businesses without personal guarantors or with more than one (1) guarantor cannot apply online. If any of these situations apply to you, please visit a branch to apply.
• At any First Hawaiian Bank Branch 

If you suspect that a transaction had been made without proper authorization, immediately contact your First Hawaiian Bank branch of account.

 Yes. You may pay online with FHB Online & Mobile Banking or set up Automatic Payment from your First Hawaiian Bank Business Checking account.

You may pay your balance in full with no prepayment penalties or pay the minimum payment listed on your monthly statement.

Payments may be dropped off at any First Hawaiian Bank branch or mailed to the following address:

First Hawaiian Bank
P.O. Box 29450
Honolulu, Hawaii 96820-1850

To request a line increase, visit any First Hawaiian Bank branch.

Use checks to access the line of credit, without having to apply every time you need additional funds.

To report any lost checks, please contact your First Hawaiian Bank branch of account. Replacement checks will be mailed to you.

The Business Line of Credit is a revolving line of credit with a 3-year term, meaning it can be used for up to 3 years. Once the line reaches its maturity, any unpaid balances or fees become due.

The Business Line of Credit and associated terms are subject to credit approval and may vary depending on your financial situation. 

This line of credit can be used for any business use. You can use it for short-term working capital, seasonal purchases, inventory, payroll, and other cash flow needs.

The Business Line of Credit cannot be used for personal, family or household purposes (or agricultural purposes for Guam residents), to finance the purchase or trading of securities, or to repay any debts incurred in the purchase or trading of securities, or to acquire, refinance, improve or maintain a 1-to-4 family residence.

No. A First Hawaiian Bank relationship is not required to apply/qualify for a Business FirstLine of Credit.

• Download, print and submit an application
• Visit any First Hawaiian Bank Branch