Refinance Rates Just Got Better!

The Federal Housing Finance Agency has lifted the 0.50 point adverse market refinance fee. Take advantage of better loan terms and interest rates to pay off your existing mortgage balance



Mortgage refinancing loan options

  • Fixed Rates: Set interest rate so that your monthly principal and interest payment stays the same for the life of the loan. We offer Fixed Rate Conforming Loans at both 15 and 30 year terms.

  • Adjustable Rate Mortgages (ARM): Introductory fixed rate periods of 7 and 10 years. After the introductory fixed period, the rate and monthly principal/interest payments will generally change annually based on market conditions.

  • Streamlined Veterans Affairs (VA) Refinance Program: Already have a VA loan? You may be able to lower your rate and save more with a VA Interest Rate Reduction Refinance Loan ("IRRRL"). 

Have a balance under $400,000 remaining on your mortgage?

Consider converting to a Home Equity Line of Credit with no closing costs or appraisal required.1

Interested in learning more?

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Use our helpful calculators to see if refinancing makes sense for you

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Let's Talk

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Carolyn Johiro

Island: Oahu
NMLS #477461
Phone: (808) 593-4876

Vianne Tabata's photo

Vianne Tabata

Island: Kauai
NMLS #477495
Phone: (808) 632-5026

Mark James' photo

Mark James

Island: Oahu
NMLS #477462
Phone: (808) 593-4885

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Common Questions:

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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.

  1. For Equity ExpressSM (EEX) Home Equity Line of Credit (HELOC) accounts up to $400,000 (excluding properties listed for sale within the prior six months), American Savings Bank (ASB) will pay or waive fees and costs for flood certification (up to $9), bank’s title insurance (up to $125), credit report (up to $2.50 per borrower), trust review, condo review, mortgage recording, recording fee for the release of third-party mortgage, and valuation through an automated valuation model and property condition report (up to $185) of ASB’s choice; however, at their own cost, customers may request an appraisal at an estimated cost between $500 and $1,500.