Financing June 6, 2023

American Savings Bank Weekly Mortgage Rates Update Jun. 2

Mortgage rate went down after the Senate passed the debt bill.

US 10-year Note went down to 3.61% on Thursday compared to 3.80% last week.     Closed at 3.69% on Friday.

The unemployment rate ticked up to 3.7% as the number of unemployed persons rose by 440,000 to 6.1 million while the number of job losers and persons who completed temporary jobs increased by 318,000 to 3.0 million in May.

Total unemployed, or the U6 number, inched higher to 6.7% from 6.6%

On the Fed front, Fed Fund Futures are showing a near 70% chance of a pause at next month’s Fed meeting

 

1% off of their points!! for Essential WORKERS (now available)   Educational Professionals, Fire & EMT, Medical Professionals, Federal, State& Local Government Law Enforcement Professionals, Active or Former Military!!  

エッセンシャルワーカ(この度追加されました)、教育、消防、医療、連邦、州および地方政府の機関、軍隊(現役又は、引退に関わるお仕事をされていらっしゃる方に限り1ポイント還元(居住物件に限る)

Our HELOC Promotional Rate: (application deadline 06/06/2023)
6.42% for the first 5 years

Fixed Rate Equity Loan Option: (application deadline 06/06/2023)
6.50 % for 10 years

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 2nd mortgage as well

 

 

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ASB金利レート: https://www.asbhawaii.com/personal/mortgage-rates
(毎日、昼12時頃に更新されます 注意:PURHCASEプライシングです

* 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.

 

Financing May 29, 2023

American Savings Bank Weekly Mortgage Rates Update May. 26

Happy Memorial Day!

The House Speaker Kevin McCarthy said that The White House and Republicans have agreed in principle on a deal to raise the debt ceiling on Sunday.

Mortgage had gone up as US 10-year note went up to 3.83% on Friday. (Highest since Mar 9, 2023)

The April Core PCE(Personal Consumption Expenditures Price Index)  rose a tenth of a percent to 4.7% year over year and a tenth above expectations

Jobless Claims came in at 229K versus the 250K expected

 

ケビン・マッカーシー下院議長は、日曜日にホワイトハウスと共和党が債務政府の法定債務上限で大筋合意したと述べた。

金曜日には米国の10年債が3.83%に上昇するなど、住宅ローンも上昇していた。 (2023年3月9日以来の最高値)

4月のコアPCE(個人消費支出価格指数)は前年比10分の1上昇して4.7%となった。

失業保険申請件数は予想の25万件に対し22万9千件となった

 

 

1% off of their points!! for Essential WORKERS (now available)   Educational Professionals, Fire & EMT, Medical Professionals, Federal, State& Local Government Law Enforcement Professionals, Active or Former Military!!  

エッセンシャルワーカ(この度追加されました)、教育、消防、医療、連邦、州および地方政府の機関、軍隊(現役又は、引退に関わるお仕事をされていらっしゃる方に限り1ポイント還元(居住物件に限る)

Our HELOC Promotional Rate: (application deadline 06/06/2023)
6.50% for the first 5 years

Fixed Rate Equity Loan Option: (application deadline 06/06/2023)
6.00 % for 10 years

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 2nd mortgage as well

 

 

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ASB金利レート: https://www.asbhawaii.com/personal/mortgage-rates
(毎日、昼12時頃に更新されます 注意:PURHCASEプライシングです

* 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.

 

Market Trends May 25, 2023

April 2023 Local Market Update

April 2023 Local Market Update. Please let me know if you need to know further more.
2023年4月のローカルマーケット情報! 詳しくはお問合せください。

 

 

 

 

 

Market Trends May 25, 2023

Market Stats Update – April. 2023

Please let me know if you need to know further more
2023年4月マーケット情報!詳しくはお問合せください。

 

 

 

 

Market Trends May 25, 2023

March 2023 Local Market Update

March 2023 Local Market Update. Please let me know if you need to know further more.
2023年3月のローカルマーケット情報! 詳しくはお問合せください。

 

 

 

 

 

Market Trends May 25, 2023

Market Stats Update – March 2023

Please let me know if you need to know further more
2023年3月マーケット情報!詳しくはお問合せください。

 

 

 

 

Financing May 22, 2023

American Savings Bank Weekly Mortgage Rates Update May. 19

Mortgage rate has risen as US 10-year Note went up to 3.70%(highest since March 10, 2023) due to the debt ceiling uncertainty and fears of a possible rate hike in next month.
There is a 40% chance of a hike next month.

April Housing Starts rose 2.2% from March to an annual rate of 1.401M versus 1.40M expected though March was revised lower to 1.371M from 1.420M.
Building Permits, a sign of future construction, fell 1.5% to 1.416M versus 1.437M expected.

 

米国債務上限問題(イエレン財務長官、「税収見通しからみて、米国の債務上限額(Debt Ceiling)である31.4兆ドルを6月1日にも突破する」と表明。
米国では、連邦政府が発行できる国債の総額が法律で定められており、これを債務上限額と呼ぶ。)

来月の利上げの可能性への懸念により、米国の10年債が3.70%(2023年3月10日以来の高値)に上昇、住宅ローン金利も上昇した。

4月の住宅着工件数は3月に比べ2.2%増加。
将来の建設の兆しである建築許可件数は、予想の143万7000件に対し1.5%減の141万6000件となった。
来月の利上げの可能性は40%。

 

 

1% off of their points!! for Essential WORKERS (now available)   Educational Professionals, Fire & EMT, Medical Professionals, Federal, State& Local Government Law Enforcement Professionals, Active or Former Military!!  

エッセンシャルワーカ(この度追加されました)、教育、消防、医療、連邦、州および地方政府の機関、軍隊(現役又は、引退に関わるお仕事をされていらっしゃる方に限り1ポイント還元(居住物件に限る)

Our HELOC Promotional Rate: (application deadline 05/22/2023)
6.50% for the first 5 years

Fixed Rate Equity Loan Option: (application deadline 05/22/2023)
6.00 % for 10 years

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 2nd mortgage as well

 

 

Following rates are for purchase, please contact me for re-financing rate.
Check out our mortgage rates today! https://www.asbhawaii.com/personal/mortgage-rates

ASB金利レート: https://www.asbhawaii.com/personal/mortgage-rates
(毎日、昼12時頃に更新されます 注意:PURHCASEプライシングです

* 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.

 

Market Trends March 16, 2023

February 2023 Local Market Update

February 2023 Local Market Update. Please let me know if you need to know further more.
2023年2月のローカルマーケット情報! 詳しくはお問合せください。

 

 

 

 

 

Market Trends March 16, 2023

Market Stats Update – February 2023

Please let me know if you need to know further more
2023年2月マーケット情報!詳しくはお問合せください。

 

 

 

 

Financing March 15, 2023

American Savings Bank Weekly Mortgage Rates Update Mar. 10th.

US 2-year Treasury note fell sharply (46 basis points over a two – day period) on Friday as the shutdown of Sillicon Valley Bank.
We have not seen the sudden decline since September 2008.

10 Year Treasury Rate on Friday dropped to 3.70%, compared to 3.93% on Thursday.
Weekly Initial Jobless Claims rose 21K to 211K in the latest week and above the 195K expected

311K jobs were created in February while monthly hourly earnings declined, manufacturing jobs were lost and the unemployment rate ticked higher.

シリコンバレー銀行の閉鎖を受けて、米国の 2年物国債は金曜日に急落. (2 日間で 46 ベーシス ポイント下落)。2008 年 9 月以来の下げ幅
金曜日の 10 年国債利回りは、木曜日の 3.93% から 3.70% に下落した

又、米金融当局は12日、仮想通貨取引で知られいるニューヨーク州にあるシグネチャー銀行が経営破綻したと発表。

東京外国為替市場のドルの対円相場は、米銀2行の経営破綻を受けたリスク回避の売りが一巡した後は買い戻しが入り、1ドル=134円台前半で下げ渋っている

毎週の最初の失業保険申請件数は、直近の週で 21,000 から 211,000 に増加し、予想されていた 195,000 を上回った。

2 月分雇用統計は、雇用者数は、前月比 31万 1,000 人増したが月間賃金は減少し、失業率は悪化している。

 

1% off of their points!! for  Educational Professionals, Fire & EMT, Medical Professionals, Federal, State& Local Government Law Enforcement Professionals, Active or Former Military  !!  

教育、消防、医療、連邦、州および地方政府の機関、軍隊(現役又は、引退に関わるお仕事をされていらっしゃる方に限り1ポイント還元(居住物件に限る)

Our HELOC Promotional Rate: (application deadline 03/15/2023)
5.35% for the first 5 years

Fixed Rate Equity Loan Option: (application deadline 03/15/2023)
5.50% for 10 years
6.00% for 20 years

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 2nd mortgage as well

弊社のジャンボローン(ローン額$970,801 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! https://www.asbhawaii.com/personal/mortgage-rates

ASB金利レート: https://www.asbhawaii.com/personal/mortgage-rates
(毎日、昼12時頃に更新されます 注意:PURHCASEプライシングです

* 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.