Kō‘ula at Ward Village
Getting pre-qualified for a home loan is a first step in securing your purchase agreement for a unit in Kō‘ula at Ward Village, located at 1240 Ala Moana Boulevard in Honolulu. Please contact our Oahu lending team for financing solutions and for your free pre-qualification analysis.
Special Offer:
2.875% interest rate / 3.054% APR with 1.875 points1
- For owner-occupants with a 740+ credit score
- 20% down payment or optional 10% down payment with an ASB 1st mortgage and piggyback HELOC2
- Applies to conforming and jumbo loans
- Other rate and point combinations available
KŌ‘ula at Ward Village Home Loans Team
QUEEN-WARD LOAN CENTER
929 Queen Street, 2nd Floor
Honolulu, HI 96814
Phone: (808) 593-1226
Fax: (808) 593-4840
KAPIOLANI LOAN CENTER
1600 Kapiolani Boulevard, 2nd Floor
Honolulu, HI 96814
Phone: (808) 593-1226
Fax: (808) 539-7284
PEARLRIDGE LOAN CENTER
98-200 Kamehameha Highway
Aiea, HI 96701
Phone: (808) 593-1226
Fax: (808) 627-4021
Brian Ako
VICE PRESIDENT
senior RESIDENTIAL LOAN OFFICER
NMLS #1083184
Mobile: (808) 741-5130
bako@asbhawaii.com
Ryan Amemiya
VICE PRESIDENT
senior RESIDENTIAL LOAN OFFICER
NMLS #646590
Mobile: (808) 681-9487
ramemiya@asbhawaii.com
Manny August
FIRST VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #662118
Mobile: (808) 927-4512
maugust@asbhawaii.com
Derek Cheng
VICE PRESIDENT
executive RESIDENTIAL LOAN OFFICER
NMLS #477492
Direct: (808) 593-4887
Mobile: (808) 348-4919
dcheng@asbhawaii.com
(Cantonese/Mandarin speaking)
Debbie Goto
FIRST VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
CONDO & PROJECTS MANAGER
NMLS #477346
Direct: (808) 539-7121
Mobile: (808) 551-0163
dgoto@asbhawaii.com
Paul Hirano
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #477465
Direct: (808) 593-4891
Mobile: (808) 284-5347
phirano@asbhawaii.com
Mark James
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #477462
Direct: (808) 593-4885
Mobile: (808) 348-4920
mjames@asbhawaii.com
Carolyn Johiro
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #477461
Mobile: (808) 348-4913
cjohiro@asbhawaii.com
Stefan Kant, Jr.
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #1191266
Mobile: (808) 295-7924
skant@asbhawaii.com
(Bulgarian speaking)
Kiyomi “Kiki” Kise
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #1444868
Mobile: (808) 425-2310
kkise@asbhawaii.com
(Japanese speaking)
Michelle Luxton
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER,
Private Lending Group
NMLS #363495
Mobile: (808) 228-8850
mluxton@asbhawaii.com
Alan Magno
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #477326
Direct: (808) 593-4821
Mobile: (808) 425-2974
amagno@asbhawaii.com
Alan Miyasaki
FIRST VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #609921
Direct: (808) 539-7101
Mobile: (808) 354-9220
amiyasaki@asbhawaii.com
(Japanese speaking)
Kristen Pacpaco
VICE PRESIDENT
senior RESIDENTIAL LOAN OFFICER
NMLS #477475
Mobile: (808) 291-8577
kpacpaco@asbhawaii.com
Misha Myung Pak
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #477324
Direct: (808) 539-7118
Mobile: (808) 979-4581
mpak@asbhawaii.com
(Korean speaking)
Jose Requilman
VICE PRESIDENT
executive RESIDENTIAL LOAN OFFICER
NMLS #477428
Direct: (808) 526-2728
Mobile: (808) 518-9732
jorequilman@asbhawaii.com
Paul Santos
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #477347
Direct: (808) 539-7124
Mobile: (808) 927-9548
psantos@asbhawaii.com
Reyn Sugai
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #1636384
Direct: (808) 593-4864
Mobile: (808) 979-6641
rsugai@asbhawaii.com
Bryce Tani
FIRST VICE PRESIDENT
RESIDENTIAL LOAN MANAGER
NMLS #477420
Direct: (808) 593-4888
Mobile: (808) 927-9545
btani@asbhawaii.com
Glenn Tarumoto
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #685427
Direct: (808) 539-7131
Mobile: (808) 226-7888
gtarumoto@asbhawaii.com
Alex Truong
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #1325920
Mobile: (808) 428-6248
atruong@asbhawaii.com
(Vietnamese speaking)
Swee Wah
VICE PRESIDENT
EXECUTIVE RESIDENTIAL LOAN OFFICER
NMLS #477489
Direct: (808) 593-4874
Mobile: (808) 348-4917
swah@asbhawaii.com
(Cantonese/Mandarin speaking)
WAYS TO GET STARTED
- The special pricing offer (offer) is applicable for home purchase transactions for a property at Kōu`la financed through American Savings Bank (ASB) residential mortgage programs that close by 09/30/2022. Offer is not applicable for brokered out loans or Veterans Affairs Loans. Offer is subject to automatic payments from a new or existing ASB personal checking account. The ASB checking account number with the intent to establish automatic payments for the mortgage must be provided prior to final approval of the loan by ASB. The establishment of automatic payments must be signed at mortgage closing. If the borrower opts out of automatic payments or the ASB personal checking account is not established at loan closing, the offer will not apply, and ASB will be required to re-disclose the non-promotional rate and charges which may result in delayed closing. See the Personal Deposit Account Terms and Conditions for other terms, conditions and fees for Kalo Checking accounts. This offer cannot be combined with any other mortgage promotional discounts, long-term rate lock specials, or new project financing rates unless otherwise specified, and is limited to one promotion per loan. The financed residential property must be owner-occupied and have a minimum credit score of 740. Based on a purchase price of $1,036,000 and 20% down payment, the loan amount would be $828,800 for a 30-year fixed rate mortgage at 2.875% / 3.054% Annual Percentage Rate (APR) and 1.875 points, the monthly principal and interest payment would be $3,438.63 for 360 months. Long-term lock available at application with float down feature. Certain restrictions apply and applicable upfront lock fee may be refunded. This offer is subject to change or discontinuation without notice. Applicant(s) is/are subject to loan qualification, underwriting guidelines, and credit policy of ASB. Certain terms and restrictions apply. For more information, please contact an ASB Residential Loan Officer.
- The maximum combined loan amount is $2,000,000 with a maximum combined loan-to-value (CLTV) of 90% with no PMI. Secondary financing must be an ASB Equity Express (EEX) Home Equity Line of Credit (HELOC). This consists of 1) a first mortgage loan amount up to $1,500,000 and 2) a simultaneous ASB EEX HELOC second mortgage up to $500,000.
Example: Based on a purchase price of $1,036,000 with a 10% down payment, the first mortgage amount is $828,800 (80% LTV) and the HELOC amount is $103,600 (CLTV 90%). The monthly principal and interest payment for the first mortgage is $3,438.63 as of 01/04/2022 with an interest rate of 2.875% / 3.054% APR and 1.875 points, assuming a borrower minimum credit score of 740. The actual monthly mortgage payment is higher when you factor in the monthly impound amount for property tax, hazard insurance and other applicable impounds. Assuming the $103,600 HELOC draw is immediately converted to a 20-year Fixed Rate Equity Loan Option (FRELO) at the promotional rate of 3.25% APR as of 01/01/2022, there will be 240 monthly principal and interest payments of $587.61 for an owner-occupant borrower with a minimum credit score of 740. Current non-promotional 20-year FRELO rate as of 01/04/2022 is 6.50% APR. Promotional or discounted FRELO rates require automatic monthly FRELO payments from an ASB personal checking account. If you don’t have an ASB personal checking account, a Kalo Checking account must be opened. Please see the Personal Deposit Account Terms and Conditions for other terms, conditions and fees for Kalo Checking accounts. Cancellation of automatic payments anytime during the life of the FRELO may increase your rate to the current non-discounted rate.