* The mortgage discount offers (“offers”) are applicable for home purchase transactions for a unit at Kō`ula 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 2/28/2021. Offers are subject to automatic payment from a new or existing ASB checking account for this First Time Home Buyer 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 payment must be signed at mortgage closing. If the borrower opts out of automatic payment 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 Home Buyer offer, an individual is to be considered a first 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). Applicant(s) is/are subject to loan qualification, underwriting guidelines, and credit policy of ASB. Certain terms and restrictions apply.

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