Bank of Hawaii (Wholesale)
130 Merchant Street, Suite 1510, Honolulu, HI 96813
https://www.boh.com/
Internal Reviews
(0 reviews)
Total loans closed with Loan Factory
18,088
Total loans closed with Loan Factory (past 12 months)
14,655
Lender overview
Basic information
First Mortgagee Clause to read as follows: For All Perils Bank of Hawaii ISAOA PO Box 3201 Troy, MI 48007-3201 Loan Number: _________________ Home Equity Lines of Credit: Bank of Hawaii Bankoh Loan Center – HECL Insurance P.O. Box 2715 Honolulu, HI 96803-2715 Loan Number: __________________ Flood Insurance: Bank of Hawaii Home Equity Insurance P.O. Box 135009 Honolulu, HI 96801-5009 Loan Number: __________________
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Lock policies & Fees
Lock Policies
Lock cut-off is Hawaii Standard Time Midnight (2:00am PST next day)
Extension Policy
To extend a lock it will cost 0.125% to fees per 7 days.
Max of 4 extensions (0.50% to fee)
Please enter any extension requests through the Encompass TPO Portal.
Locks must be extended prior to the expiration date.
Higher of pricing, unless 30 days has passed.
Lender's niche & Overlays
**This lender only lends in Hawaii and to loan officers physically located in Hawaii.**
Saleable: Fannie Mae Conventional Fixed rates and ARMs
Portfolio Loans:
- Fixed rates and ARMs
- Jumbo loans to $4,000,000
- Condotels, Co-Ops, Non-warrantable condos
- 100% LTV for Owner Occupant Purchase to $1MM
- New Projects / Fee Purchase
- HELOC's
- Non-conforming properties
- Leasehold properties
- Vesting in LLC, Partnerships, Corporations, and Trusts
- Construction / Permanent
- Foreign and Canadian Borrowers
Portfolio products, set up a meeting to discuss
Max DTI 45%
Student loans (deferred) 2% payment of unpaid balance
Full Kitchen required - sink, oven with four burners, and full-sized fridge
70% of investment/stock value, 60% of retirement value
Lender turn time
2
2
2
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