American Savings Bank

Introducing ASB’s Hawaiian Home Lands Loan Program, designed to help Native Hawaiian families buy their forever home in Hawaii.

We offer programs with features that include:
  • Down payments as low as 1.25%
  • Low, one-time 1% guarantee fee in place of mortgage insurance may be required
  • Up to 97.75% Loan to Value
  • Refinancing options available to access cash

Document Checklist for Mortgage Loan Applications:

You may submit your documents with your application, but you are not required to do so until after you have received an early disclosure from us.

Income Documents: 
  • Most current two consecutive pay stubs
  • Most recent award statements for unearned income (ex: Social Security, pension, disability benefits, etc
  • W-2s and all pages of your personal federal income tax returns for the most recent two years
  • (If applicable) All pages of your business federal income tax returns for the most recent two years
  • (If applicable) Year-to-Date profit-and-loss statement (for all business entities)

Asset Documents:
  • Bank account statements (including written explanations of large deposit transactions) for the most recent two months
  • Investment statements (401k, IRA, stocks & bonds, etc.) for the most recent two months
  • (If applicable) Gift letter with evidence of transfer

Additional Documents:
  • Homeowners and hurricane insurance (declaration page)
  • Long form Trust Document (if property is held or will be held in a trust)
  • Current mortgage statement showing a breakdown of principal, interest, taxes, and insurance
  • Current HOA maintenance fees statement for all properties owned
  • Current property tax statements for all properties owned
  • Current rental agreements for all investment properties owned
  • Documentation of other income (ex: alimony, child support, etc.)

Talk to us for expert help financing your dream home.

Contact Us

Lisa Carillo
NMLS 685883
Vice President, Executive Residential Loan Officer

(808) 872-4991
LCarillo@asbhawaii.com

Download PDF