Ka Wai Ola - Office of Hawaiian Affairs, Volume 15, Number 3, 1 March 1998 — Page 10 Advertisements Column 2 [ADVERTISEMENT]

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BANKOH FIRSTHOME LOAN Looking to buy your very first home? You ean do it! With Bank of Hawaii's FirstHome Loan. Check out these numbers: • Low down payment - just 5% • No applieahon fee • No appraisal fee • 1 point waived* • Lowered ineome requirements • Save over $2,700 in closing costs example: Home cost: $175,000 5% down payment: $8,750 Loan amount: $1 66,250 lnfial ™nthly pnnciPa' interest payments: $1,010.15" To find out more, just visit your nearest Bank of Hawaii branch. Or eall Bankoh Residential Lending: Downtown Honolulu 538-4786, East Oahu 397-281 0, West Oahu 483-6565, Kapolei 693-1444, Maui 871-8210, Hilo 933-7213, Kailua-Kona 326-391 3, Kauai 241 -7283. Mīnding your money. Building your wealth. www.boh.com MEMBER FDIC ^ Bankoh FirstHome Loan requirements: You must be a Hawaii resident and you cannot own real property currently or within the last three years. Property must be located in Hawaii. The borrower must occupy the property as their primary residence. *1 point waiver on 1-year, 3-year and 5-year ARMs only. "Principal and interest payments for the first three years of the 30-year temn are based on 3/1-Year ARM rates effective 2/9/98: 6.125% interest rate; 7.69% APR, subject to change. Maximum monthly principal and interest payment is $1 ,551 .60. Initial rate is locked for three years then adjusts annually. The rate cannot increase more than 2% in a year or more than 5% over the life of the loan. 5% down payment requires mortgage insurance. Other adjustable-rate and fixed-rate mortgages are available. Rates and terms subject to change without notice.