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Loan Application Process

Your First Hawaiian Bank Mortgage Loan Originator will work with help you through every step of the process.

 

Step 1

Prepare your information

 

Step 2

Start the process

 

Step 3

Review the application and initial disclosure package

 

 

Step 4

Loan processing and underwriting

 

Step 5

Loan closing

Step 1:  Prepare your information

Gather your income, asset, expense and housing information:

If you are buying, you should also have the estimated purchase price and down payment amount as well as the purchase contract if you've signed one.

If you are refinancing, you should have the estimated property value and loan amount. 


Step 2:  Start the process

Online:  Begin the process using our Secure Web Portal.  After submitting your information, one of our Mortgage Loan Originators will contact you to complete the remaining steps.

Visit or call a First Hawaiian Bank Branch:  Speak with a Banker to discuss your needs , potential product options and to begin the process.  Click "Find a Branch" to locate a branch.

Call  808-643-HOME (4663).  Call us to receive additional information and to begin your application process.

During this process, your Mortgage Loan Originator will ask questions to understand your needs, timeline and expectations and will discuss potential options to meet your needs.  Your Mortgage Loan Originator will work with you to identify if you are requesting a Loan Estimate Only to compare First Hawaiian Bank to other lenders or if you are requesting to begin the Full Application process. 

If you are requesting a Loan Estimate Only, this will be provided to you within 3-business days of providing your Mortgage Loan Originator with the information needed to generate the Loan Estimate

If you are requesting to begin the Full Application process, a Loan Estimate and the application and initial disclosure package will be provided to you within 3-business days of providing your Mortgage Loan Originator with the information needed to generate your application and disclosure package. 


 Step 3: Review the application and initial disclosure package

Within 3-business days of meeting with your Mortgage Loan Originator to begin the Full Application process, you will receive a Loan Estimate and your application and initial disclosure packet containing the information discussed with your Mortgage Loan Originator.

This packet contains important details and disclosures to assist you with making an informed decision about selecting your mortgage loan provider.   

If you decide to move forward with selecting First Hawaiian Bank,  you will be asked to provide your intent to proceed.  Once you provide your intent to proceed, you will be asked to sign and return the documents in the application and initial disclosure packet and provide supporting documentation for your income and assets so that we may begin processing your loan.  Once you provide your intent to proceed and supporting documentation, your Mortgage Loan Originator will submit your application for review and verification.


Step 4: Loan processing and underwriting

Our processing and underwriting team will work with you and your Mortgage Loan Originator to move your loan from processing to closing.  These steps include:

Verifying your employment, income, and financial information.

Upon loan approval, sending you a list of conditions that have to be met before you can prepare to close your loan. Once your application is conditionally approved, we’ll work with you to help clear the conditions set by the bank in order to proceed with your loan.

Verifying the details of the property and, If applicable, ordering an appraisal to determine the appraised value of your property. If you are buying, this value is expected to match or exceed the home’s purchase price. If you are refinancing, the appraised value helps to determine your maximum loan amount.

Obtaining other services such as title insurance and flood certification.


Step 5: Loan closing

Once all conditions set by the bank related to your loan are satisfied, we'll work with you to  set a closing date for signing of your loan documents and we'll provide you with a Closing Disclosure


 

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