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.

APPLY NOW

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 $215,6002/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

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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. The “This is HOMESM” program is eligible for transactions financed through American Savings Bank (ASB) residential mortgage programs. Program is not applicable for brokered out or Veterans Affairs loans. Applicant income limited to 140% Area Median Income (up to $215,600 for 4-person household as of 6/30/2026) (source: Hawaii Housing Finance and Development Corporation (City and County of Honolulu HUD Income Guidelines): https://dbedt.hawaii.gov/hhfdc/files/2026/06/2026-HHFDC-Honolulu-County-Income-Limits_Sales-Price-Guidelines-1.pdf). Subject to loan approval. Offer valid for Hawaii properties only. Certain terms and restrictions apply. For more information, please contact an ASB Residential Loan Officer.