Exclusive Offers for Hawaii State Teacher Association (HSTA) Members1
American Savings Bank is committed to doing its part to keep Hawaii home - especially for teachers who are educating Hawaii's next generation. Together, we can build a better Hawaii, one family at a time.

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This is HOMESM,2: HSTA Promo

Hawaii’s first-of-its-kind homebuyer program for teachers that lets you live where you love

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Low down payment option (as low as 3% down)


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Below market interest rate

 

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Discounted mortgage insurance

 

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Primary residence purchases only (do not need to be a first-time homebuyer)

 

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Family of 4 earning up to $215,6003/year may be eligible

 

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Complimentary consultation and prequalification

Exclusive Refinance Promotion 

One half (0.50%) point off mortgage refinance

One half (0.50%) point equates to $5,000 in savings on a $1M mortgage
Why Choose American Savings Bank

American Savings Bank (ASB) has been making dreams possible for Hawaii’s residents, businesses and communities for 100 years. ASB provides a full range of financial products and services, including business and consumer banking, and home loans.

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Convenient ATMs & Branches
Access to ASB’s conveniently located statewide ATM and branch network, many with evening and weekend hours.
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Digital Banking
Bank anytime, anywhere with our ASB Mobile App. Our updated and modern mobile app experience is a secure and convenient way to manage your money and accounts on the go.
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Expert Bankers
Our experienced bankers throughout five islands pride themselves on making dreams possible and guiding customers through every major financial milestone in their life.

American Savings Bank is a Leader in Affordable Housing

We’re committed to making housing more affordable and empowering kamaaina to achieve their dream of homeownership.

Meet with an ASB Mortgage Loan Expert
Edina Galla Photo

Edina Galla

Island: Oahu & Hawaii Island
NMLS: #374225
Phone: (808) 593-4863 
Let's Meet

Alan Magno

Alan Magno

Island: Oahu 
NMLS: #477326 
Phone: (808) 593-4821 
Let's Meet

Reyn Sugai Headshot

Reyn Sugai

Island: Oahu   
NMLS #1636384   
Phone: (808) 593-4864   
Let's Meet

FIND A MORTGAGE LOAN OFFICER

  1. Exclusive offers for current or retired HSTA members, subject to verification.
  2. “This is HOMESM” is a residential mortgage program for owner occupied, single-family homes and condos - Hawaii properties only. Not applicable for brokered out or Veterans Affairs Loans. Offer valid for a complete loan application submitted by 12/31/2026 and closed/funded by 2/28/2027, subject to change without notice. Subject to loan approval. Certain terms, conditions and restrictions apply. Offer requires enrollment in automatic monthly payments from a new or existing ASB personal checking account prior to loan closing.  Otherwise, ASB will be required to re-disclose the non-promotional rate and fees, which may result in delayed closing. See ASB Personal Deposit Account Terms and Conditions for additional information. Offer cannot be combined with any other promotional discounts, long-term rate lock specials, or new project financing rates unless otherwise noted. For the purpose of this promotion, a first-time home buyer is purchasing the property as a principal residence and has had no ownership interest in a residential property during the three-year period preceding the date of the purchase. An individual who is a displaced homemaker or single parent is considered a first-time home buyer if he or she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three-year time period. 
  3. Applicant income limited to 140% Area Median Income (up to $215,600 for 4-person household as of 6/30/2026) (source: Department of Business, Economic Development & Tourism: https://dbedt.hawaii.gov/hhfdc/files/2026/06/2026-HHFDC-Honolulu-County-Income-Limits_Sales-Price-Guidelines-1.pdf).