Hale Kamaaina*
A State of Hawaii first-time homebuyer and optional down payment assistance program available to Hawaii residents.
What is Hale Kamaaina?
How does Hale Kamaaina work?
Who qualifies for Hale Kamaaina?
American Savings Bank is Hawaii's #1 Local Mortgage Lender*
*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
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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 Kamaaina 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. Loan subject to credit and property 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.
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