First-time homebuyers,
This is HOMESM

The best mortgage for Hawaii's first-time homebuyers.

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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.

This is HOMESM: What is it?

While many programs assist those earning less than 80% AMI, This is HOMESM1 was created as an affordable financing solution to help a wider range of buyers who earn between 80% - 140% Area Median Income (AMI) buy a home in Hawaii. 

This is HOME Features


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Down payment as low as 3%


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Lower mortgage insurance requirement


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Discounted interest rate that'll save you hundreds of dollars each month


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Reduced closing costs with no added fees or pricing adjustments


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Eligible borrowers' annual qualifying income can be up to $215,600 for a family of four


 

2026 AMI Limits in Hawaii
Why Choose This is HOMESM
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3% Is All You Need
As a borrower you only need to bring 1% to the table with an additional 2% coming from other sources like, family, grants, etc.
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Lower Monthly Payments
Take advantage of a discounted interest rate that allows you to save hundreds of dollars on your monthly mortgage payments.
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Expanded AMI Range
Designed to help hardworking kamaaina buy a home in Hawaii, so you can stay in Hawaii, eligible borrowers’ annual income can be up to $215,600 for a family of four. This is HOMESM makes dreams possible for more local families.1
Supporting You in Your Home Buying Journey 

To help you qualify for the This is HOMESM program, ASB collaborated with Hawaii HomeOwnership Center and Hawaiian Community Assets to offer free financial education courses (up to a $60 value).

Hawaii HomeOwnership Center Courses > 

Hawaiian Community Assets Courses >
 
Live where you love because Hawaii is home
Population data recently released by the U.S. Census for the first time shows that more Native Hawaiians live on the continent than in Hawaii3. Of those choosing to live away from Hawaii, much of Hawaii's youngest and brightest have also left, seeking affordability and stability.

This is HOME is an affordable financing solution for first-time homebuyers looking to own a home in Hawaii, so you can stay in Hawaii.

American Savings Bank is Hawaii's #1 local mortgage lender and is committed to doing its part to keep Hawaii home. Together, we can build a better Hawaii, one family at a time.

3Source: Office of Hawaiian Affairs: New census data confirms more Native Hawaiians reside on the continent than in Hawaii
Meet with an ASB Mortgage Loan Expert
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Edina Galla

Island: Oahu & Hawaii Island
NMLS: #374225
Phone: (808) 593-4863 
Let's Meet

Alan Magno

Alan Magno

Island: Oahu 
NMLS: #477326 
Phone: (808) 593-4821 
Let's Meet

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Reyn Sugai

Island: Oahu   
NMLS #1636384   
Phone: (808) 593-4864   
Let's Meet

FIND A MORTGAGE LOAN OFFICER

  1. The “This is HOMESM” program is eligible for transactions financed through American Savings Bank (ASB) residential mortgage programs. Program is not applicable for brokered out or Veterans Affairs loans. Applicant income limited to 140% Area Median Income (up to $215,600 for 4-person household as of 6/30/2026) (source: Hawaii Housing Finance and Development Corporation (City and County of Honolulu HUD Income Guidelines): https://dbedt.hawaii.gov/hhfdc/files/2026/06/2026-HHFDC-Honolulu-County-Income-Limits_Sales-Price-Guidelines-1.pdf). Subject to loan approval. Offer valid for Hawaii properties only. Certain terms and restrictions apply. For more information, please contact an ASB Residential Loan Officer.