Bernadette R. C. S. H. Kaneshiro, NMLS ID #881938

First Hawaiian Bank

Summary of Services:

First Hawaiian Bank is a full serviced relationship bank offering various services and products for your needs and to reach your financial goals. For mortgages, everything is done here locally; processing, underwriting, and servicing. We have an array of mortgage products from fixed rate mortgages, adjustable-rate mortgages, equity lines, refinance, and purchase loan programs.

Tips for Applying for a Mortgage Loan: In regard to mortgages, first, manage your credit well by paying bills on time and paying at least the minimum. Secondly, save. When you’re interested in purchasing a home you’ll need funds down payment, closing costs and to have money remaining in your account after the close of the transaction. Third, be prepared with documentation of your finances such as tax returns, W2s/1099, paystubs and bank statements.

First Hawaiian Bank currently has several promotions:
o Purchase promotion discount with auto pay from a FHB account of 0.5 of points.
o Cash out refinance on a primary residence of 0.5 off points with auto pay from a FHB account.
o First time home buyer loan of 10.01% down payment with no MI and a discount of 1 off points with auto pay from a FHB account.


Bernadette Kaneshiro is an Assistant Vice President and Senior Mortgage Loan Officer in the Mortgage Banking Division at First Hawaiian Bank. Bernadette was introduced to the real estate industry at her first job as a Hostess at a sales office when Kapolei and Makakilo was being developed. After she graduated from Shidler College of Business Bernadette was hired by Wells Fargo Financial as a Sales Officer offering credit cards, personal loans, auto loans and mortgage loans. Years before starting her career, Bernadette knew she wanted to go into banking. She enjoys working with people, budgeting, problem solving and numbers. With Bernadette's experience at the sales office in Kapolei/Makakilo and Wells Fargo, she was drawn to mortgage lending. Bernadette has a Bachelor’s degree in Business Administration and has experience in mortgage lending for 13 years, three years at Wells Fargo and the last ten years at First Hawaiian Bank all in mortgage banking. During her three years at Wells Fargo Financial, Bernadette received multiple Regional Top Sales Recognition awards and won the West Coast Regional Mortgage contest. At First Hawaiian she has been consistently recognized as Top Producer, by Honolulu Magazine as Best in Real Estate (7 times over the span of 10 years) and was featured as the cover story on Pacific Edge Magazine, Mortgage Edition in 2016. Bernadette is dedicated to providing quality service and experience, and has been told she's patient and levelheaded when assisting customers. Her experience and achievements are a testament to the gratification and trust of repeat customers and referral partners.

Contact Information:

  • Address:1111 S. Beretania St.,Honolulu, HI 96814
  • Phone: (808) 532-9883 / Cell/Text: (808) 779-4876
  • Email: [email protected] is a resource that does not provide any direct services other than information and a list of service professionals., consultants or associates, are not experts in any of the fields relating to senior housing, finance, estate planning, health, or real estate. does not generate any revenue or referral fees from the contributors or those listed as service providers. is not a real estate website although there is an affiliation with the following contributors: Brandon Lau (RB-19267) and Andrew Leong (RB-21696) who are licensed real estate partners with ChaneyBrooks Choice Advisors at 1440 Kapiolani Blvd., Suite 1015, Honolulu, HI 96814. The information contained on is intended for informational purposes. It should not substitute legal, accounting, investment, medical or other professional advice. Always seek a competent professional for answers to your specific questions.