Hale Kamaʻāina*
A State of Hawaii first-time homebuyer program available to Hawaii residents.
What is Hale Kamaʻāina?
How does Hale Kamaʻāina work?
Who qualifies for Hale Kamaʻāina?
American Savings Bank is Hawaii's #1 Local Mortgage Lender
Based on State of Hawaii Bureau of Conveyance data January 2024 through September 2025, recorded total value of residential, non-wholesale, purchase mortgages.
Fixed**
- Rate:
5.400% - Points:
0.000 - APR:
5.528% - Monthly Payment per $100,000:**
$561.53
Fixed**
- Rate:
5.700% - Points:
0.000 - APR:
5.831% - Monthly Payment per $100,000:**
$580.40
Meet With Your Expert Mortgage Loan Officers
Michelle Luxton
Island: Oahu
NMLS #363495
Phone: (808) 228-8850
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Lisa Carillo
Island: Maui
NMLS #685883
Phone: (808) 872-4991
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Mark James
Island: Hawaii Island
NMLS #477462
Phone: (808) 593-4885
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*The Hale Kamaʻāina program is provided by the State of Hawaii and financed through American Savings Bank (ASB). For more information regarding the program: https://dbedt.hawaii.gov/hhfdc/hk-mortgage-program/. Certain restrictions apply. Hawaii properties only. Fire, hurricane, flood (if in flood hazard zone) and localized peril (if in a lava hazard zone) insurance are required at homeowner’s expense. Subject to loan approval and cannot be combined with other offers or promotions.
**The availability of funds, interest rates, points, and annual percentage rate (APR) are subject to change without notice. The monthly payment example is based on the principal & interest per $100,000 and does not include payments for real estate taxes, insurance premiums, association dues, or other impounds. For Conforming loans, if down payment is less than 20%, mortgage insurance is required, which may increase the monthly payment and APR.