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.
