Conforming Loans1
Conforming loans offer some of the most competitive market rates. Let our local residential loan experts help determine if your borrowing situation meets the guidelines for a conforming loan.
- 30-Year and 15-Year fixed rate mortgages
- Purchase or refinance
- Maximum loan amount is set by Federal Housing Finance Agency
- Owner/occupant, second home or investor
2026 New Hawaii Conforming Loan Limit
The maximum amount you can borrow for a Conforming Loan is set by the Federal Housing Finance Agency. The amount varies by county and unit size. The One-Unit Limit would apply to most consumers who are purchasing or refinancing a condominium unit or single-family home. Below are the Federal Housing Finance Agency's 2026 conforming loan limits. The new limits are effective for loans delivered to Fannie/Freddie on or after January 1, 2026.
| County Name | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
|---|---|---|---|---|
| Hawaii County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Honolulu County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Kalawao County | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 |
| Kauai County | $1,249,125 | $1,599,375 | $1,933,200 | $2,402,625 |
| Maui County | $1,299,500 | $1,663,600 | $2,010,950 | $2,499,100 |
Today's Mortgage Rates - See our 30-year, 15-year and Adjustable Rate Mortgage options.
Make an Appointment with a Mortgage Loan Officer - Meet with a loan officer to discuss pre-qualification, loan application and closing.
Attend a Homeownership Seminar - We offer a number of seminars throughout the year; check out the schedule of events.
Participating Lender in New Development Projects - Communities throughout Hawaii are developing and growing with exciting high-rise condominiums in the urban landscape as well as startup townhouses and family homes in new and existing subdivisions. American Savings Bank is pleased to be a participating lender for many of these real estate development.
- Subject to loan approval. Certain terms, conditions and restrictions may apply. Offer subject to change or discontinuance without notice.