HONOLULU (HI Now) - For Chase and Hiʻilawe, the dream of owning a home in Hawai’i always felt like a far-off hope—something they deeply wanted, but weren’t sure was within reach. Growing up on Oʻahu in tight-knit, multi-generational families, they both shared a vision of raising a family of their own, rooted in the same values, culture, and sense of belonging they were raised with.
After years of renting and saving, they began exploring what homeownership might look like. Like many first-time buyers, the process felt overwhelming at first—filled with unknowns, paperwork, and questions. That changed when they connected with American Savings Bank (ASB). From day one, the ASB team helped guide them through every step, answering questions with patience and providing a sense of reassurance that they weren’t in this alone.
For Chase and Hiʻilawe, the turning point was ASB’s This is HOME loan program, designed specifically for first-time homebuyers in Hawai’i. The program offered a lower down payment, discounted interest rates, and reduced private mortgage insurance (PMI), which made the monthly payments more affordable. It was this kind of thoughtful, community-focused approach that gave them the confidence—and the means—to move forward.
Michelle Luxton, ASB’s SVP and Director of Residential Loan Sales, explains that This is HOME was built with Hawai’i families in mind. With lower barriers to entry, the program helps local residents get their foot in the door of a challenging housing market. From low down payments to discounted rates and reduced PMI, it focuses on long-term affordability and stability for local buyers.
As Hawai’i’s #1 local mortgage lender, ASB understands the realities of homebuying here in the islands—and the importance of staying rooted in the communities we love. With local expertise and personalized support, they help make the dream of homeownership more achievable for local families every day.
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For those thinking about buying a home, Michelle recommends starting with a realistic budget and getting pre-qualified early. It helps clarify your options and sets you up for success. She also encourages buyers to work with local professionals who understand the unique dynamics of the Hawai’i housing market, and not to hesitate in asking questions.
Whether you’re ready to buy now or just beginning to explore, ASB is here to help. Because for local families like Chase and Hiʻilawe, home isn’t just a place—it’s a feeling. And everyone deserves to experience that feeling for themselves.
To learn more about ASB’s This is HOME program or find out if you qualify, visit asbhawaii.com/home or stop by your neighborhood ASB branch.
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