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Whether you’re thinking about buying a new home, remodeling, building or simply trying to determine whether or not refinancing is right for you, our Home Loans Division can help. Our mortgage specialists will explain the various loan options available and help determine which option may best meet your goals and objectives. Contact a Mortgage Loan Officer today.
Central Pacific Bank Home Loans Division is an established market leader in helping people realize their dreams of home ownership in Hawaii. Applying their mortgage banking expertise and resources, the Home Loans team is positioned to provide Hawaii's homebuyers, homeowners and Realtors with innovative products and financial solutions. For current rates, or more information on applying for a home loan, contact a Mortgage Loan Officer or call us at 808-356-4000.
We offer several different loan programs to fit your personal needs. To learn more about these loan programs, click on any of the following:
Mortgage Rates as of 02/23/2017
Protect yourself from rising rates with our rate lock program. Lock periods of 350, 260, 170 and 110 days are available. Should rates fall during the lock period, take advantage of a one-time "float" down to a lower rate. The long Term Lock and Float Program is available for:
1Monthly principal and interest payment per $100,000 borrowed. Payment does not include property taxes or insurance which will increase monthly payments. This calculation is for an occupancy type of owner for a single family dwelling purchase with full income documentation in the state of HI with a lock period of 30 days and no prepayment penalty. Maximum loan amount is $636,150.00 for a single-family dwelling.
2A lock fee of 1.00% of the loan amount is required at initial interest rate lock. The lock fee is in addition to the standard application deposit requirements and must be paid whether the loan is withdraw or denied. An additional one time, non-refundable Float Down fee of 0.625%-1.000% of the loan amount applies to certain loan programs. Locking the interest rate does not constitute a loan approval and does not guarantee that the borrower will qualify for the loan program that has been locked. This program is subject to change without notice. Contact a Mortgage Loan Officer for more details.
Each residential mortgage loan requires a credit application and is subject to credit approval.
The Nationwide Mortgage Licensing System (NMLS) and Registry offers consumers the ability to confirm that the bank, mortgage company and/or mortgage loan originators with whom they wish to conduct business is authorized to conduct mortgage business in their state. To access this free service, go to: http://www.nmlsconsumeraccess.org/ .
View a listing of our Mortgage Loan Originators and their NMLS numbers.
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
With your Mortgage Loan Officer.
And provide all applicable documentation.
Your Mortgage Loan Officer checks your credit and provides you with loan disclosures.
A deposit is collected and your Mortgage Loan Officer orders a home appraisal.
Loan documents are submitted for underwriting. Your Mortgage Loan Officer will notify you if additional documents are required and if your loan is approved.
You have one last opportunity to lock in your interest rate.
You sign loan closing documents, make your down payment, and pay any remaining fees, if applicable.
Your mortgage is recorded with the County and funds are disbursed to seller. You’ve completed the home loan process!
While your application is being processed it is critical to maintain your current credit standing. Follow these simple Do’s and Don’ts: