Hale Kamaʻāina1
A Hawaiʻi Housing Finance and Development Corporation first-time homebuyer program available to Hawaii residents.
What is Hale Kamaʻāina?
The Hale Kamaʻāina Mortgage Program offers competitive fixed rate 30-year mortgage loan to eligible borrowers.
How does Hale Kamaʻāina work?
Interested first-time homebuyers should apply for mortgage loans through ASB.
We will review your application for eligibility and if accepted, we will process your loan application and closing for you to purchase your home.
Who qualifies for Hale Kamaʻāina?
US Citizen or Resident Alien who is a bona fide resident of Hawaii and who have not owned a home in the past three years.
American Savings Bank is a Leader in Affordable Housing
We’re committed to making housing more affordable and empowering kamaaina to achieve their dream of homeownership.
Today's Mortgage Rates (11/04/2026)
Below are today’s mortgage rates for Hale Kamaʻāina
Hale Kamaʻāina VA 30 Year
Fixed2
Fixed2
- Rate:
6.670% - Points:
0.000 - Origination Fee:
1.00% - APR:
6.813% - Monthly Payment per $100,000:2
$643.29
Hale Kamaʻāina Conforming 30 Year
Fixed2
Fixed2
- Rate:
6.920% - Points:
0.000 - Origination Fee:
1.00% - APR:
7.066% - Monthly Payment per $100,000:2
$659.94
Meet with an ASB Mortgage Loan Expert
Edina Galla
Island: Oahu & Hawaii Island
NMLS: #374225
Phone: (808) 593-4863
Let's Meet
Alan Magno
Island: Oahu
NMLS: #477326
Phone: (808) 593-4821
Let's Meet
Reyn Sugai
Island: Oahu
NMLS #1636384
Phone: (808) 593-4864
Let's Meet
- The Hale Kamaʻāina program is provided by Hawaiʻi Housing Finance and Development Corporation 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. ASB collects a 1% Loan Origination fee as part of the closing costs, which is included in the APR. 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 will increase the monthly payment and APR. Hale Kamaʻāina VA minimum required down payment is 0% down and Hale Kamaʻāina Conforming minimum required down payment is 3%.