Buying a home is often the largest financial investment people make in their lifetime.

This article is part of the 2019 Hawaii Home + Remodeling Resource Guide, an organized and vetted directory of professionals, services and shops in the building and home improvement industry.

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Buying a home is often the largest purchase and financial investment that people make in their lifetime, from the closing to the continual investment through additions, renovations and remodeling projects. That’s why it’s important to keep your finances grounded in a bank you can trust before getting started. A prime financial institution such as First Hawaiian Bank can provide a full range of services, including a home equity line of credit, or HELOC. With interest rates low and flexibility to spend what you need, HELOCs are a popular and convenient way to pay for home projects and renovations, shares Tony Au of First Hawaiian Bank. A HELOC from First Hawaiian Bank “provides added convenience and flexibility with fixed rate lock options with terms up to 30 years,” says Au. “These fixed rate locks allow you to plan for the future and manage your finances easier.”

First Things First

Tony Au of First Hawaiian Bank has some advice for those preparing for a home purchase or renovation project:

1. Homeowners should know how much equity they have in their home and what they can afford. “This will help when discussing home improvements with their contractor,” Au says.

2. Certain projects may increase the property value more than others, for example a kitchen or bathroom renovation.

3. Understand project costs, including quality of labor, material and time, and how it all fits within your budget.

Member FDIC
Equal Housing Lender

American Savings Bank
American Savings Bank has been serving Hawai‘i’s businesses and communities since 1925 and provides a full range of financial products and services.

49 Statewide branches
Toll-free 800-272-2566

American Savings Bank Loan Centers
Hilo Loan Center
100 Pauahi St.
Hilo, Big Island

Kona Loan Center
75-5644 Palani Rd.
Kailua-Kona, Big Island

Kahului Loan Center
73 Puunene Ave., 2nd Flr.
Kahului, Maui

Kihei Loan Center
255 Piikea Ave.
Kihei, Maui

Queen-Ward Loan Center
929 Queen St., 2nd Flr.
Honolulu, Oahu

Downtown Loan Center
915 Fort Street Mall, 1st Flr.
Honolulu, Oahu

Pearlridge Loan Center
98-200 Kamehameha Hwy.
Aiea, Oahu

Hokulei Village Loan Center
4454 Nuhou St.
Lihue, Kauai

Bank of Hawaii
Main Branch: 111 S. King St.
Honolulu, Oahu

Bank of The Orient
765 Bishop St.
Honolulu, Oahu

Residential Mortgage Program

Central Pacific Bank
35 branches statewide
Main Branch: 220 S. King St.
Honolulu, Oahu

Central Pacific Home Loans

Finance Factors Ltd.
13 branches statewide
Main Branch: 1164 Bishop St., Ste. 300
Honolulu, Oahu

First Foundation Bank
500 Ala Moana Blvd., #2A
Honolulu, Oahu

First Hawaiian Bank
First Hawaiian Bank ( is Hawaii’s oldest and largest financial institution. FHB offers a diversified range of banking services, including equity and mortgage products, deposits and wealth management.

Main Branch: 999 Bishop St.
Honolulu, Oahu

Mortgage Loans

Hawaii National Bank
13 branches statewide
Main Branch: 45 N. King St.
Honolulu, Oahu

HomeStreet Bank
120 Waianuenue Ave.
Hilo, Big Island

2 S. King St.
Honolulu, Oahu

3660 Waialae Ave., Ste. 108
Honolulu, Oahu

98-1258 Kaahumanu St., Ste. 104
Pearl City, Oahu

Ohana Pacific Bank
1357 Kapiolani Blvd., #102
Honolulu, Oahu

1070 N. King St.
Honolulu, Oahu

Territorial Savings Bank
29 branches statewide
Main Branch: 1000 Bishop St.
Honolulu, Oahu

Quick Tip!
Get prequalified by meeting with your local lender, and see if you meet the basic requirements for a home loan as well as how much you can afford to borrow. 
Categories: Resource Guide 2019