There’s only one first

Buying your first home is a major milestone—one that brings excitement, but also plenty of questions. That’s why our team of mortgage experts will help you by learning about your unique homeowning needs, providing you access to valuable homeowning education, guiding you through the first-time homebuying process, and ensuring you have an easy, worry-free experience. Best of all, our FTHB Mortgage Program was designed to save our members money with special benefits1 including:

  • As low as 3% down payment with mortgage insurance 2
  • Loan origination costs may be waived (certain requirements apply)
  • Flexible qualifying ratios and income limits
  • Reduced closing costs
  • Opportunity to gain further discounts by completing First-Time Homebuyer education courses
1 Minimum cash reserves of 2 months PITI (Principal, Interest, Taxes, and Insurance). Available to owner-occupants only; Borrower may not have an ownership interest in any other residential property within or outside State of Hawaii within the last three (3) years.
2 Waiver of all costs is dependent on satisfying qualification conditions: 1) successful completion of Homebuyer Education Program from Hawaii Homeowner Center (HHOC), Framework Homeownership, or an HUD-approved agency; 2) enrollment in automatic Mortgage payments; and 3) enrollment in direct deposit from at least one (1) borrower.
2 On approved credit. Membership and loan guideline apply.


Begin your journey to homeownership

Get started today by applying online or scheduling an appointment with one of our mortgage specialists.

Apply now  Make an appointment


What will my monthly mortgage payment be? 

Use our mortgage calculators to help you to choose wisely with your financial decisions when conducting research.

Use calculators


Saving up for a down payment - it's possible! 

With the FTHB Mortgage Program’s lower down payment requirement, your dream home becomes that much closer to reality.

Lower fees mean big savings 

The FTHB Mortgage Program’s reduced origination and closing costs means keeping more money in your wallet that can be used for growing your savings.

Not sure how to start?

You're not alone on this homebuyer journey. We can help! 

Contact us


Related links


Save for your dream home


Build your credit score

Rent or buy?