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.

Hope you had a wonderful 4^th of July weekend!

On Friday, 10 year Note yield has declined to 2.88% from 3.50% in mid- June.
30 year conventional rate went down to 4.625% on Friday.

Q1 2022 GDP came in at -1.6% from -1.5%
Right now, Q2 is forecasted at 0.3% (Q2 2022 GDP will be released on July 28)

Home Price Index rose 21.2% annually in April, up 1.8% monthly.

Consumer Confidence fell to 98.7 this month, lowest since February 2021.

 

金曜日の10年債利回りは6月中旬の3.50％から2.88％に低下
30年固定コンベンショナルローンは、4.625％に下落。

2022年第1四半期のGDPは-1.6％
現在、第2四半期のGDPは0.3％と予測されている。（2022年第2四半期のGDP発表はは7月28日）

住宅価格指数は4月に昨年より21.2％上昇し、先月より1.8％上昇

今月の消費者信頼感指数は98.7に低下し、2021年2月以来の低水準となった。

 

We have special pricings for developer units only for A’alii
Special rate for Owner Occupied buyers with at least 20% down payment / Fico 740 above

BELOW CURRENT MARKET –    Funds are limited.

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。

2^nd Home   0.25 points more
Investment  0.25% more to the rate. (Points are the same)

We have special pricings for KOULA Ward Village
Special rate for Owner Occupied buyers with at least 20% down payment (or 10% with ASB HELOC)

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
BELOW CURRENT MARKET –    Funds are limited.
(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

 

 

 

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.

30 year Fixed Conventional mortgage rate went down to 4.875% from 5.25%(June 17^th Friday) as 10 year yield went down to 3.13%.

Existing Home Sales fell 3.4% in May from April to an annual rate of 5.41M units.  Compared with May 2021, home sales were down 8.6%.

Unemployment benefits fell by 2,000 last week to 229,000 but jobless claims remained near a five-month high

 

30年固定住宅ローン金利は、US10年利回りが3.13％に低下したため、5.25％（6月17日金曜日）から4.875％に低下。

既存住宅販売は4月から5月に3.4％減少し、年率541万戸に達した。

2021年5月と比較して、住宅販売は8.6％減少

失業手当申請は先週2,000人減少して229,000人になったものの、5か月近くの高水準を維持している。

 

We have special pricings for developer units only for A’alii
Special rate for Owner Occupied buyers with at least 20% down payment / Fico 740 above

BELOW CURRENT MARKET –    Funds are limited.

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。

2^nd Home   0.25 points more
Investment  0.25% more to the rate. (Points are the same)

We have special pricings for KOULA Ward Village
Special rate for Owner Occupied buyers with at least 20% down payment (or 10% with ASB HELOC)

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
BELOW CURRENT MARKET –    Funds are limited.
(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

 

 

 

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.

Monday morning –Currently The US 10 year Treasury is at 3.495% highest since April 2011 as US stocks enter a bear market as S&P 500 closes at lowest in 2022.

Below rates are based on Friday June 10th, please check out our today’s mortgage rates at https://www.asbhawaii.com/personal/mortgage-rates (Rate will be updated around noon every day)

Last Friday,  The conventional loan rate for 30 year fixed went up to 5.00%.  Today’s rate will be much higher.

The Consumer Price Index rose by 8.6% annually in May from 8.3% in April

 

本日１３日の朝、S＆P 500は、２０２２年の最低値を差し、今後の弱気市場を示唆した事から米国１０年債は、２０１１年４月以来の3.495%まで上昇し、3.43%で引ける。

以下の金利は6月10日金曜日のものです。先週の金曜日時点で、３０年固定コンベンショナルローンは、５％。

https://www.asbhawaii.com/personal/mortgage-rates で今日の住宅ローン金利をチェックしてください(レートは毎日正午頃に更新されます)

5月の米消費者物価指数は、前月比8．6％上昇と高い伸び率を記録し、前月の8.30%から物価上昇が加速。

 

We have special pricings for developer units only for A’alii
Special rate for Owner Occupied buyers with at least 20% down payment / Fico 740 above

BELOW CURRENT MARKET –    Funds are limited.

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。

2^nd Home   0.25 points more
Investment  0.25% more to the rate. (Points are the same)

We have special pricings for KOULA Ward Village
Special rate for Owner Occupied buyers with at least 20% down payment (or 10% with ASB HELOC)

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
BELOW CURRENT MARKET –    Funds are limited.
(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

 

 

 

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.

Mortgage rates are tad higher than last week as 10 year note went up 2.96%

The Unemployment Rate was unchanged at 3.6%
Weekly Initial Jobless Claims are at lows seen since 1970.
Tech corporate earnings are showing the slowdown in labor coming.
Tech companies in May laid-off employees at the highest rate in two years.

 

住宅ローン金利は、米国１０年債が２．９６％まで戻したことにより上昇。

失業率は3.6%で横ばい
週の失業保険申請件数は、1970年以来の低水準。
ハイテク企業収益は、減速を示唆。
5月、ハイテク企業は2年ぶりの高水準で従業員を解雇した。

 

We have special pricings for developer units only for A’alii
Special rate for Owner Occupied buyers with at least 20% down payment / Fico 740 above

BELOW CURRENT MARKET –    Funds are limited.

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。

2^nd Home   0.25 points more
Investment  0.25% more to the rate. (Points are the same)

We have special pricings for Koa Ridge
Special rate for Owner Occupied buyers with at least 20% down payment / Fico 740 above / Loan amount below $970,800
Koa Ridgeを居住物件で購入、頭金―２０%以上、クレジットスコア７４０以上ローン額＄970,800以下のお客様に限り下記の金利をご用意しております。
BELOW CURRENT MARKET –    Funds are limited.
(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

 

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

ハワイ州のConfirming Loan リミットが２０２２年から＄970,800（１Unit）に変更になります。
2022年から$970,801以上のローン金額がJUBMO LOANになります。

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。）

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

 

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.