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Mortgage Loans

Make your dreams a reality with affordable Mortgage Loan Options from Central Pacific Bank.

We work with you to help finance big purchases, like buying or renovating your home, and help you work to consolidate debt at a rate and payment schedule suited to your income and budget. Whether you’re looking for a short-term loan, or to secure the best 30-year mortgage rates, we have a mortgage product for you.

Mortgage Rates


We find the right loan product to meet your mortgage financing needs, with no to low down payments, and promotions for ongoing purchases and first-time buyers. Options include:



We can make your mortgage payments more manageable with refinancing options. Refinancing helps you:

  • Consolidate debt
  • Free up extra cash for home improvements, college expenses, and more
  • Reduce your monthly payment
  • Convert an adjustable rate loan to a fixed rate loan


Ready to break the mold of your existing home and build it out to something better? We can help with our construction loan products:

  • One-time application and closing
  • Fixed and adjustable rate options
  • Available for primary and secondary residences
  • Initial construction loan converts to permanent mortgage loan


If you’re age 62 or older, use this option to access equity in your home, without monthly loan payments1. Borrowing options include receiving funds as:

  • Lump sum payment
  • Line of credit
  • Receiving fixed monthly payments

1You 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 you move out of the home or when you die. However, the loan may need to be paid back sooner if the home is no longer your principal residence, you fail to pay your property taxes or homeowners insurance, or do not keep the home in good repair.