Family Moving to New Home

Real Estate Loans

Make your homeownership dreams come true

 
Whether it's your first home, a bigger home, a vacation home, or your forever home, a mortgage from ASB can be the key that unlocks the front door and helps you Go Beyond. We offer a variety of real estate loans, plus an experienced lending team that can explain the options and help you make a choice that fits your needs over the short term and the long haul.
 
  • Competitive rates
  • Low down payment options
  • Repayment terms up to 30 years
  • State and federal mortgage programs
  • Home Equity Loans and lines of credit
  • Solid insights from friendly loan officers
 

Loan Options

Choose a fixed-rate loan of 15, 20, 25, or 30 years that features a stable monthly payment.
For people who want to build a new home from the ground up, Construction Loans provide short-term funding for each phase of the process and can be converted to permanent mortgages when construction is complete. Interest accrues only on the money you've advanced.
Tap the equity in your current home for short-term financing to facilitate the purchase or construction of a new home. This gives you time to sell your current home and then obtain permanent financing for your new one.
For nearly a century, U.S. homebuyers have benefited from Federal Housing Administration Loans that feature down payments as low as 3.5% and relaxed credit requirements. We offer this type of loan through a trusted partner
Guaranteed by the U.S. government, these mortgages feature zero down payment, no mortgage insurance requirement, limited closing costs, and other financial advantages for active duty military, veterans, reservists, and some military spouses.
For people of low to moderate incomes who want to live in rural areas, small towns, and certain suburbs. These loans feature lower down payment requirements.
Loan options for low- to moderate-income buyers include down payment and closing cost grants as well as homebuyer education resources.
Offered to buyers who may have previously owned a home, this program offers either a below-market rate loan or a market-rate conforming loan.


Home Equity Loans and Credit Lines

Once you own a home, your efforts to pay down the mortgage and keep your place in good shape can pay financial dividends. You can borrow against your home's equity and then use the funds for almost any purpose - from home upgrades and repairs to vacation costs, medical bills and more.
 

Home Equity Loan

  • Loan limit depends on the equity you have in your home
  • Get money in one lump sum
  • Make equal monthly payments over the life of the loan
  • Home Equity Loan interest may be tax-deductible. Consult your financial advisor for more details.

Home Equity Line of Credit

  • Get access to your equity that you can tap into as often as you like for any purpose at all
  • Credit limit depends on the equity you have in your home
  • Access funds through Digital Banking and at ASB locations
  • Pay interest only on the amount of money you've advanced

More Information

Explore additional helpful details in Fannie Mae's homebuying guide.
 
 
NMLS #407966
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Personal Loans

Local decisions simplify loans, letting you enjoy life.

 
We can help you get the money you want for whatever you need!