American Saving Bank Mortgage Rates Update 7/8/22

US 10 year Note went back to 3.09% on Friday, but our Jumbo Rate is lower than last week!

Sign of Recession?
-1.6% GDP in Q1 2022 and the forecast from the GDP now is  looking at -2.1% in Q2.

June Unemployment Rate remained at 3.6%.
Average hourly earnings were up 0.3% monthly.
Annual earnings rose 5.1% down from 5.3% in May.
Total unemployed fell to 6.7% from 7.1%

 

米国の10年債は金曜日に3.09％に戻りましたが、弊社のジャンボレートは先週よりも低い。
不況の兆候か？
2022年第1四半期のGDPは-1.6％、現在第2四半期の予想には-2.1％。

6月の失業率は3.6％と変わらず。
平均時給は毎月0.3％増加。
年間収益は5月の5.3％から5.1％減少。
総失業者数は7.1％から6.7％に減少。

 

We have special pricings for developer units only for A’alii & Koula Ward Village
Must record by September 30, 2022（登記日９/30まで）

–A’alii –

Owner Occupied buyers with at least 20% down payment( or10% down payment with ASB HELOC)  / Fico 740 above

Developer Units for A’aliiを居住物件で購入、頭金―２０%以上、　クレジットスコア７４０以上のお客様に限り下記の金利をご用意しております。
FUNDには、限りがありますのでお早目にご連絡下さい。

2nd Home / Require 20% down payment /  Fico 740 above
2^nd Home   0.25 points more
Investment  0.25% more to the rate. (Points are the same)

Investment / Require 25% down payment / Fico 740 above

3.75%  / 1.50 points
3.875%/ 1.00 points
4.00 %/  0.50 points

 

–KOULA Ward Village–  

 

Owner Occupied buyers with at least 20% down payment (or 10% with ASB HELOC) / Fico 740 above

KOULA WARD VILLAGE を居住物件で購入、頭金―２０％以上,クレジットスコア７４０以上のお客様に限り下記の金利をご用意しております。FUNDには、限りがありますのでお早目にご連絡下さい。

2^nd Home & Investment (US Citizen or Green Card holder) at least 25% down payment / Fico 740

 

 

 

Investment/ Require 25% down payment / Fico 740 above

5.00%  / 1.75 Points
5.125%/ 1.50 Points
5.25% /  1.00 Points

 

Our Jumbo loan, we can go loan amount up to $2.75 M now.
Jumbo loan, we can do for 10 % down with MI or with 2^nd mortgage as well

 

弊社のジャンボローン（ローン額$822,376 以上）が、＄２，７５Mまでローンが組めるようになりました。
頭金１０％からでもローンを組むことができます。金利等のご質問等がございましたらご連絡下さい。

 

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today (ＡＳＢ金利レート) !
https://www.asbhawaii.com/personal/mortgage-rates
(Rate will be updated around noon every day/毎日、昼１２時頃に更新されます　注意：PURHCASEプライシングです。）

 

Please stay healthy and be safe!

Kiyomi “Kiki” Kise  

  

 

  * Rates & APR based on a single family home purchase of $750,000 with 20% down for a borrower with credit score 740+ as an owner – occupant.
** Rates & APR based on a single family home purchase for $1,100,000 with 25% down for a borrower with credit scores 760+ as an owner- occupant.
**** VA Rates & APR based on a single family home purchase of $600,000 with 0% down for a borrower with credit scores 700+ as an owner- occupant.