First Time Home Buyer Loans

Get the Right Loan for You

In Hawaii, purchasing a home can be a big task.
Let us help you choose the right loan to help you get your dream home in Hawaii.

Call us: (800) 293-2878


Today's Mortgage Rates >





Learn About Different Loan and Rate Types

Conforming Loan

If you have established credit history and the property meets standard guidelines, you could qualify for a Conforming Loan with competitive market rates. 30-Year and 15-Year fixed rate mortgages available. Learn More >

Non-Conforming Loan

Non-Conforming (or Portfolio) loans offer some flexibility, if the property or your borrowing situation does not meet conforming loan guidelines. Available for loan amounts up to $2 million for purchasing or refinancing a home. Learn More >

Fixed Rate Loan

Fixed Rate mortgages have a set interest rate so that the monthly principal and interest payment stays the same for the life of the loan. We have 15 and 30 year Fixed Rate loans that'll help to give you an ease of mind when buying your home in Hawaii.

Adjustable Rate Mortgage (ARM) Loan

An Adjustable Rate Mortgage (ARM) Loan features a fixed interest rate for an introductory period of time (either 7 or 10 years). After the introductory period, the interest rate and payments may adjust higher or lower based on market interest rates.

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What Type of Loan Programs are There?

Fannie Mae

Provides Single-Family and Multifamily homeowners with stable, predictable mortgage payments over life of the loan

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Freddie Mac
Home Possible®

Offering more options and flexibilities to help low-to moderate-income borrowers purchase their dream home

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Mortgage Credit
Certificate (MCC)

Assistance to families of low or moderate income by reducing federal income tax

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Combined First &
Second Mortgage

Purchase a home with a minimum 10% down payment and no private mortgage insurance

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Compare All Mortgages and Home Loans >


Attend a
Mortgage Seminar

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Contact a
Loan Officer

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Visit a Home
Loan Center

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Newcomers Guide to Hawaii on Mortgages

Ultimate Newcomer's Guide to Hawaii

American Savings Bank is proud to sponsor Honolulu Magazine's Ultimate Newcomer's Guide to Hawaii, which features a video of ASB teammates sharing what they love about living in Hawaii. There's a lot to see, taste and do here. Let the Newcomer's Guide help point you toward everything you need to make your life in Hawaii the best it can be.

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Common Questions:

Loan programs and products are subject to loan qualification, credit policy and underwriting standards for the respective program or product. Certain terms, conditions and restrictions may apply. Programs/products subject to change or discontinuation without notice.

Fannie Mae® is a registered trademark of the Federal National Mortgage Association.  Freddie Mac® is a registered trademark of the Federal Home Loan Mortgage Corporation.

*This offer cannot be combined with any other promotional discounts, long-term rate lock specials, or new project financing rates unless otherwise specified.