* The mortgage discount offers (“offers”) are applicable for home purchase transactions for a Koa Ridge property financed through American Savings Bank (“ASB”) residential mortgage programs. Offers are not applicable for brokered out loans or Veterans Affairs Loans. Offers good only with a completed loan application submitted to ASB and for a loan locked through 05/31/2021 and closed/funded by American Savings Bank by 07/31/2021. Offers are subject to automatic payments from a new or existing ASB checking account for this First Time Homebuyer offer of one-half (0.50) point off loan origination points or Purchase offer of one-quarter (0.25) point off loan origination points. The ASB checking account number with the intent to establish automatic payments for the mortgage must be provided prior to final approval of the loan by ASB. The establishment of automatic payments must be signed at mortgage closing. If the borrower opts out of automatic payments or the ASB checking account is not established at loan closing, the offers will not apply. See the Personal Deposit Account Terms and Conditions for other terms, conditions and fees for Kalo Checking accounts. These offers cannot be combined with any other mortgage promotional discounts, long-term rate lock specials, or new project financing rates unless otherwise specified. The financed residential property must be owner-occupied. For the purpose of the First Time Homebuyer offer, an individual is to be considered a first time home buyer if he or she (1) is purchasing the security property; (2) will reside in the security property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the security property. In addition, an individual who is a displaced homemaker or single parent will also be 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. (Source: Fannie Mae). Offers are subject to change or discontinuation without notice. Applicant(s) is/are subject to loan qualification, underwriting guidelines, and credit policy of American Savings Bank. Certain terms and restrictions apply. For more information, please contact an American Savings Bank Residential Loan Officer.

** Certain restrictions apply and applicable upfront lock fee may be refunded; subject to change at any time. Please ask us for details.