Mortgage & Home Loans
Unlock Your Dreams with CPB’s Keys to Homeownership.
Home Loans
Refinance Loans
Interest Only Loans
Home Ownership Resources
Home Loans
Whether you’re a first-time home buyer or looking to move, we find you the right loan product to meet your mortgage financing needs. CPB offers low down payments, competitive rates, fixed rate mortgages and promotions.
Hawaii Condo Projects & Developments1
Looking to buy a condo in Hawaiʻi? Central Pacific Bank and our expert team make it easy. We partner with top developments across the islands and offer tailored home loans to fit your needs. Enjoy competitive rates, local expertise, and a smooth path to your new island home.
Refinance
If you need a plan to make your mortgage payments more manageable, refinancing is a savvy solution.
Interest Only Loans
Wondering how to lower your mortgage payment? Take a look at our new Interest Only feature.
Lower monthly payments compared to traditional Principal and Interest loans
Pay only the interest in the first 5 or 10 years
Available on 30-year fixed or 10-year ARM loans
With an Interest Only Loan, there are no prepayment penalties, no negative amortization and no balloon payments.
Learn More
Construction Loans
Ready to break the mold of your existing home and build it out to something better? With a construction loan, you can rehabilitate, expand or build to customize your home.
One-time application and closing
Fixed and adjustable-rate options
Available for primary and secondary residences
Initial construction loan converts to permanent mortgage loan
Reverse Mortgage
Homeowners age 62 or older can take advantage of a Reverse Mortgage, which provides access to home equity without the inconvenience of monthly loan payments1. Many seniors leverage the equity in their home and use the cash to provide additional income during retirement years, pay for in-home care, or make home improvements.
Borrowers can receive the funds as a:
Lump sum payment
Line of credit
Fixed monthly payment
Department of Hawaiian Home Land (DHHL) Loans
We are committed to helping Native Hawaiian families who qualify for Hawaiian Home Land expanded opportunities to make their homeownership dreams a reality. Explore the FHA 247B loan program, which comes with competitive rates tailored to meet your needs. Our knowledgeable team is here to support you through pre-qualification and to help guide you every step of the way.
-
The borrower would continue to be responsible for making payments for taxes and insurance during the term of the mortgage. Reverse mortgage loans typically must be repaid either when the borrower moves out of the home or dies. However, the loan may need to be paid back sooner if the home is no longer the borrower’s principal residence, the borrower fails to pay property taxes or homeowners insurance, or does not keep the home in good repair.
More Articles
Offering expert insights on a variety of topics such as home affordability, small business growth, international economic trends, and digital banking.
-
-
How to Maximize the Benefits of a HELOC Fixed-Rate Loan Option (FRLO)
-
Regular HELOC vs. HELOC Fixed-Rate Loan Option (FRLO): Which Is Right for You?
Services and Products
-
Rates
-
Calculators
-
Digital Banking
-
Financial Education