Special Loan Programs
Helping Families Purchase Their Homes

At American Savings Bank, we do our best to help all of our customers — including first-time homebuyers and those with lower or moderate incomes — get the financing they need to buy a home of their own. If you fit one of these categories, our special loans and programs might be just what you need to realize your dream of homeownership.

	Highlights Below > Benefits You’ll Receive > Account Choices > Our People

Benefits You’ll Receive

• Lower interest rates
• Lower or no down payments
• Flexible income qualifying ratios
• Liberal income eligibility limits
• Convenient AutoPay option from an existing checking account
• Free Online and Bank-by-Phone services — check your current balance, due date, etc.

Account Choices

First-time Homebuyer

Trying to buy your first home can be full of difficult challenges. Our First-time Homebuyer Loan, the American Dream Loan Programsm, offers flexible qualifying ratios and more liberal income eligibility limits. More

Construction Loan

Our Construction Loan, "Build Your Dream Loansm", gives you an easier way to borrow money. With a single loan, you can cover both the construction and permanent phases of your home project. This means the borrower(s) signs only one set of loan documents and does not have to worry about re-qualifying, reappraisals, additional closing costs, higher interest rate, or signing additional loan documents. More

Hula Mae Loan

The Hula Mae loan can help lower- to moderate-income families qualify more quickly and easily to buy their own home. More

Rural Housing

Low-income families who want to buy a home in designated rural areas may qualify for a low interest Rural Housing Loan with no down payment. More

Ho'olako Pono Loan Program

The Ho'olako Pono Loan Program offers construction loans and mortgages with expanded financing options available to Department of Hawaiian Home Lands (DHHL) lessees. More

Lease-to-Fee Options
Lease-to-fee offers two simple ways to buy your fee. More

EZ Appsm
If you're self-employed or don't have a conventional means of verifying income, we may be able to help with our easy to apply EZ App stated income home loan. More

InterestFirst Mortgage sm
InterestFirst is a flexible mortgage loan option specifically designed to lower monthly payments. More

Our People

Help with your mortgage financing is just a phone call away. Our friendly Residential Loan Specialists stand ready to assist you with any of your home financing needs. They are dedicated to recommending the financing that fits your exact situation and to answer any questions you may have about purchasing or refinancing an existing home or financing a new home. Click here to meet them.