Waioha at Koa Ridge

Getting pre-qualified for a home loan is a first step in securing your purchase agreement for a property at Waioha at Koa Ridge, located in Waipio. Please contact our Oahu lending team for financing solutions and for your free pre-qualification analysis.

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ASB Number One Lender

American Savings Bank is Hawaii's #1 Local Mortgage Lender*

*2024 State of Hawaii Bureau of Conveyances data, recorded total value of residential, non-wholesale, purchase mortgages.

The Waioha at Koa Ridge Home Loans Team

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Brian Ako

Vice President
Senior Residential Loan Officer

Let's Talk >

NMLS #1083184
Mobile: (808) 741-5130
bako@asbhawaii.com

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Manny August, Jr.

First Vice President
Executive Residential Loan Officer

Let's Talk >

NMLS #662118
Mobile: (808) 927-4512
maugust@asbhawaii.com

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Edina Galla

Vice President
Executive Residential Loan Officer

Let's Talk >

NMLS #374225
Mobile: (808) 927-1902
egalla@asbhawaii.com
Hungarian Speaking

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Debbie Goto

First Vice President
Executive Residential Loan Officer, Condo/Projects Manager

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NMLS #477346
Mobile: (808) 551-0163
dgoto@asbhawaii.com

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Carolyn Johiro

Vice President
Executive Residential Loan Officer

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NMLS #477461
Mobile: (808) 348-4913
cjohiro@asbhawaii.com

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Stefan Kant, Jr.

Vice President
Executive Residential Loan Officer

Let's Talk >

NMLS #1191266
Mobile: (808) 295-7924
skant@asbhawaii.com
Bulgarian Speaking

Michelle Luxton

Michelle Luxton

First Vice President
Executive Residential Loan Officer, Private Lending Group

Let's Talk >

NMLS #363495
Mobile: (808) 228-8850
mluxton@asbhawaii.com

Alan Magno's photo

Alan Magno

Vice President
Executive Residential Loan Officer

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NMLS #477326
Mobile: (808) 425-2974
amagno@asbhawaii.com

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Paul Santos

Vice President
Executive Residential Loan Officer

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NMLS #477347
Mobile: (808) 927-9548
psantos@asbhawaii.com

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Reyn Sugai

Vice President
Executive Residential Loan Officer

Let's Talk >

NMLS #1636384
Mobile: (808) 979-6641
rsugai@asbhawaii.com

Bryce Tani’s photo

Bryce Tani

First Vice President
Executive Residential Loan Manager

Let's Talk >

NMLS #477420
Mobile: (808) 927-9545
btani@asbhawaii.com

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Alex Truong

Vice President
Executive Residential Loan Officer

Let's Talk >

NMLS #1325920
Mobile: (808) 428-6248
atruong@asbhawaii.com
Vietnamese Speaking

Swee Wah’s photo

Swee Wah

Vice President
Executive Residential Loan Officer

Let's Talk >

NMLS #477489
Mobile: (808) 348-4917
swah@asbhawaii.com
Cantonese/Mandarin Speaking

Visit Our Loan Centers

929 Queen Street, 2nd Floor
Honolulu, HI 96814
Phone: (808) 593-1226

1600 Kapiolani Boulevard, 2nd Floor
Honolulu, HI 96814
Phone: (808) 593-1226

98-200 Kamehameha Highway, 2nd Floor
Aiea, HI 96701
Phone: (808) 593-1226

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Paying a Mortgage vs. Paying Rent: What's the Difference?

Taking the path that makes sense for your ‘ohana - especially family finances - is a key ingredient to creating stability and a long-term ability to thrive. So let’s talk mortgage vs. rent....

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5 Things to Know About Jumbo Loans

Folks here in Hawaiʻi might seek out a jumbo loan if they’re thinking about a big single-family home, going in on a multi-family property for the extended ʻohana,...

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What Are Mortgage Points?

Mortgage points are one of the most often-referenced (and most confusing) parts of the mortgage conversation. Our expert loan officer has experience making sense of mortgage points and helping families use them as tools....

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MAHALO!

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Use our low rates to upgrade your dream home with home improvements, home expansion or new appliances.

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SAVINGS AT OVER  
100 Merchants

ASB's Buy Local Hawaii Program gets you savings with your ASB Visa® Debit Card at select local businesses throughout Hawaii!

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Explore Student Loan Financing Options

College Ave provides additional financing options to make educational dreams possible. Apply online from any device with no application fee with an instant credit decision.

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Live Where
You Love!

Introducing a first-of-its-kind affordable financing solution for first time home buyers designed to help hardworking kamaaina buy a home in Hawaii, so you can stay in Hawaii. 

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THANK YOU FOR REGISTERING FOR OUR VIRTUAL BUSINESS VALUATION SEMINAR

We are excited to have you join our virtual presentation on Wednesday, September 28, 2022 from 10:00 a.m. to 11:00 a.m. HST. Learn about the basics of a business valuation from invited experts.

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HOW TO JOIN THE VIRTUAL BUSINESS VALUATION SEMINAR

On September 28, 2022 at 10:00 a.m. HST, please click on the button below to open WebEx and join the virtual seminar. You can also click the drop-down below for other ways to join.
JOIN SEMINAR

Want to be reminded when it's time to join? Click here to add the Business Valuation Seminar to your device's calendar.

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MEET YOUR PRESENTERS

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Kelly W.K. Zane
President, Pacific Business Valuation

Kelly has worked on business valuations of corporations (both S and C corporations), limited partnerships, general partnerships, limited liability companies and personal businesses. He has valued companies in the wholesale, retail, health care services, property management and real estate industries. Businesses served were located in the Hawaiian Islands and on the mainland.

Kelly has worked in the financial institution industry for 20 years and has held positions in the top three banks in Hawaii. He has worked in various capacities and divisions ranging from Internal Audit to Treasury and Investments to Financial Planning and Analysis.

Kelly was born and raised in Hawaii. He attended college on the mainland and chose to return to Hawaii to build his career. He is married and has three busy children who he happily chauffeurs from activity to activity.

 

 

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Getting Started with Clean Energy Financing

More and more homeowners in Hawaii are choosing to go green when powering their homes. Installing solar or other clean energy systems to power your ho...

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Understanding Interest Rates

You might have heard about interest rates but do you really know what they are and how they can help your finances? You might know that interest is th...

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Achieve Your Dreams With ASB Financial Education

We’re committed to helping our customers and the community improve their financial wellness with the launch of the ASB Financial Education program – a...

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IMPORTANT NOTICE: For virtual seminars, the WebEx service used includes a feature that allows audio and any documents and other materials exchanged or viewed during the session to be recorded. By registering and joining this session, you automatically consent to such recordings. If you do not consent to the recording, do not register and/or join the session. American Savings Bank will record the WebEx session so those unable to attend can watch it later. By joining the WebEx session, you understand and agree that your image and voice may appear in the recording.

< Back Helpful Articles

ASB Supports Honolulu Little League World Series Champions with $12,000 Donation and a Two-Day Celebration

ASB September 07, 2022 | 2 MIN read News Releases

American Savings Bank (ASB) proudly supported the Honolulu Little League World Series (HLLWS) team in their quest to become this year’s Little League World Series Champions. In August, ASB donated $5,000 to help pay for the team’s travel-related expenses and, today, at an event held at the ASB Campus to celebrate the team’s win, ASB surprised the team and their families with an additional $7,000 ($500 per family) donation to help cover additional expenses incurred throughout their one-month trip.

“We are incredibly proud of the Honolulu Little League World Series team on their victory and applaud their remarkable aloha spirit, unwavering dedication and hard work,” said Ann Teranishi, president and chief executive officer at American Savings Bank. “Their contagious enthusiasm and passion for the sport was felt across the state throughout their championship journey. ASB is honored to celebrate and support the team through this memorable moment.”

ASB Celebrates Honolulu Little League World Series Champions

ASB donates $12,000 to Honolulu Little League

A Celebration Fit for Champions

In addition to monetary donations, ASB also honored the HLLWS champs with a two-day celebration in true ASB-style. On Sept. 7, ASB hosted the team and their families for a post-win celebration at the ASB Campus. ASB teammates surprised them with a pep rally-style welcome complete with congratulatory signs, ti leaves and noisemakers. After a brief ceremony, the champions and their families were treated to local favorites that the team missed while on the mainland, which were generously provided by L&L Hawaiian Barbeque and Zippy’s. Guests also enjoyed entertainment, custom soft serve made in the team’s colors and ASB’s arcade and outdoor lanai games.

“As a former player, coach and manager, I know that the Honolulu Little League team fought hard for this phenomenal honor,” said Brian Yoshii, executive vice president and chief information officer at American Savings Bank, who was also the team manager for the 2010 U.S. Champion Waipio Little League West All-Stars. “As a father of four sons that also loved the sport, I know the dedication and grind that’s needed to reach this achievement. A huge congratulations to the team and Coach Gerald Oda on this amazing victory.”

Champion’s Parade

On Sept. 8, ASB teammates will cheer on the HLLWS Champions at the start of the parade route at Aala Park, across the street from the ASB Campus with signs, ti leaves and noisemakers. ASB will also be distributing baseball-themed treats during the parade from a classic Volkswagen Bus.

ASB participates in parade to celebrate Honolulu Little League World Series Champions

Sign waving for Honolulu Little League World Series Champions parade

Media Contact

Karwin Sui
Communications Manager
(808) 539-7268
ksui@asbhawaii.com

WE'RE HERE TO HELP YOU REACH YOUR
HIGHER EDUCATION DREAMS!

Here are a few ways American Savings Bank can help finance college and keep you financially fit every step of the way.

Female college student

Take the Stress Out of Paying for College with College Ave®

  • Apply in 3 minutes online from any device with no application fee.

  • Customize your loan to fit your financial needs and goals.

  • Access free resources and tools to guide you every step of the way through your higher education journey.

Open a Checking or Savings Account

  • Find a variety of checking and savings account options.

  • Checking accounts come with a contactless debit card. Pay in a matter of seconds wherever you see the contactless symbol. Plus, use mobile wallet for convenient way to pay on-the-go.

  • Save time with less trips to the bank by setting up direct deposit to any checking account. 

Take our Free Financial Education Courses

  • Topics include everything from paying for college to budgeting in a 529 college savings plan.

  • Each topic takes 5 minutes to complete.

  • Our playlist is designed to help students improve their financial future.

ENROLL INTO ONLINE BANKING

Enrolling into Online Banking allows your child to mobile deposit checks, pay friends, transfer funds and more all from their laptop or on the ASB Hawaii Mobile App.

ENROLL TODAY

Learn More

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Banking Basics for Teens

PICTURE THIS: You’re about to start a summer job and your boss asks you for your bank information so you can deposit your paycheck right into your ban...

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Student Loans 101: How do Student Loans Work?

When pursuing higher education, it is important to understand how student loans work, origination fees, and paying back your loan.

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Managing Debt in College and Beyond

The cost of higher education continues to be on the rise, with student loan debt becoming increasingly common among younger generations. Learning ho...

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment and/or financial advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. Visit one of our branches today to learn how we can help you with your finances.

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Edina Galla

Vice President
Executive Residential Loan Officer

 

American Savings Bank

NMLS #374225
Equal Housing Lender
Direct: (808) 593-4863
Mobile: (808) 927-1902
egalla@asbhawaii.com
(Hungarian speaking)

APPLY NOWLET'S MEET

Edina joins the Home Loans team with more than 16 years of experience in the mortgage industry. Previously a loan officer at another local bank, Edina is passionate about making the mortgage process easy and convenient and goes the extra mile to make her clients comfortable. Edina is committed to making dreams possible and has extensive knowledge in loan processing and loan origination. Experience, integrity and genuine desire to help clients find their dream home are just some of the reasons to choose Edina.

Edina moved to Hawaii more than 17 years ago. In her spare time, she enjoys an active lifestyle, gardening, cooking and spending as much quality time as possible with her family.

Edina is fluent in Hungarian and received her education in Hungary prior to moving to Hawaii.

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< Back Helpful Articles

5 Ways to Protect Your Money During Inflation

ASB July 29, 2022 | 2 MIN read Personal

You may not be able to control rising gas prices or the volatility of the stock market, but now is the perfect time to take control of your finances so you can protect yourself and your family from whatever happens next. Our experts have shared 5 ways to protect your finances during high periods of inflation:

Women with calculator budgeting

1. Watch Your Spending and Know Where Your Money is Going

There’s no time like now to re-examine your budget. The smallest expenses can quickly add up. Determine which expenses, such as streaming subscriptions and memberships that no longer add value to your life. Cutting down on frivolous spending can help you regain control of your finances, especially during an economic downturn.

2. Consolidate Credit Card Debt

Credit card debt is overwhelming, stressful and can put a strain on your finances. If you have large balances on several credit cards, consolidating your debt into one credit card with a lower interest rate may benefit you. Look for credit cards with no (0%) or low balance transfer fees. When you consolidate your balances with this type of card, you can pay down the principal balance faster while avoiding interest.

3. Pay Down Balances with High Interest Rates

After consolidating your debt, identify the cards and accounts with the highest interest rates and begin paying off those balances first. For smaller purchases, consider using a debit card to avoid adding to the credit card balance.

4. Maximize Rewards Programs

Identify the cashback and loyalty programs that you’re a part of and maximize them to their fullest potential. Be aware of any monthly or annual fees you may be paying to access those rewards and discounts, and discontinue any programs that you’re not actively using.

5. Save Money by Buying Now

If you have extra money to spare, consider purchasing the high-priced items you’ve been looking at sooner rather than later. Cars, appliances and home improvement materials will continue to rise in price as we enter a period of rising inflation. Although inflation creates uncertainty and instability, don’t let it undermine your ability to protect your finances. Speak with one of our friendly and knowledgeable bankers today to learn how you can improve your financial position.

MAKE AN APPOINTMENT

Thank you for registering for our exclusive Wealth Management Seminar

We are excited to have you join our presentation on Wednesday, August 24, 2022 from 5:30 p.m. to 7:30 p.m. HST. This engaging and in-person event will be at the American Savings Bank Campus located at 300 N. Beretania Street.

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SAVE THE DATE FOR OUR WEALTH MANAGEMENT SEMINAR

Date

Wednesday, August 24, 2022

Time

  • 5:30 p.m. to 6:00 p.m.
    Pupu & Cocktails (Room Hale Ikena)

  • 6:00 p.m. to 7:00 p.m.
    Presentation (Room Kakou 1 & 2)

  • 7:30 p.m.
    Evening Concludes

Location

American Savings Bank - Campus Location
300 N. Beretania Street, Honolulu, HI 96817

Complimentary valet service will be provided. Please enter through the lobby where you will be met by our greeters and escorted to the 7th floor.

Want to be reminded? Click here to add the Wealth Management Seminar to your device's calendar.

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MEET YOUR PRESENTERS

Baker Vitale's Headshot

Baker Vitale
CFA, Director and Senior Portfolio Strategist of BlackRock Portfolio Consulting Group

Baker's service with the firm dates back to 2013. Before joining BlackRock he was a member of Neuberger Berman's Financial Institutions Group. Mr. Vitale graduated from the University of Georgia with a BBA in Finance in 2010. He is also a CFA Charterholder.

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Lynne Kinney
Principal of CKW Financial Group and CIO of CKW Global Balanced Model

Lynne is ranked in the top 5% of Morningstar’s world allocation strategy. Lynne specializes in retirement planning, client strategies, dynamic asset allocation, and investment implementation to provide overtime, risk-adjusted returns that will help clients achieve their goals. With over 25 years in the financial industry, Lynne was a Fidelity featured RIA and nominated as Wealth Management’s Top 25 Women-owned RIAs.

Carl Choy Headshot

Carl Choy
Principal of CKW Financial Group

Carl is a co-strategist of the CKW Global Balanced Model with Ms. Kinney. Carl focuses on estate planning, client strategies, dynamic asset allocation, and investment implementation to protect clients’ capital during volatile markets while preparing to capture incremental returns over time. With over 35 years of experience, Carl was featured as Hawaii’s #1 Advisor by Hawaii Business Magazine.

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Investing in Your Financial Future

Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volati...

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Are You Working from Home? Here's How to Save Money While Doing So

The COVID-19 pandemic has led many workplaces around the world to transition employees to remote work. While working from home can be an exciting chan...

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Not FDIC Insured

Not Bank Guaranteed

May Lose Value

Not Insured by any Federal Government Agency

Not a Bank Deposit

 

 

 
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< Back Helpful Articles

How to Buy a Home Despite High Interest Rates

ASB July 12, 2022 | 2 MIN read Personal

Don’t let rising interest rates and an uncertain market environment deter you from making your homeownership dreams a reality. Michelle Luxton, vice president and executive residential loan officer, shares quick tips on how to navigate the competitive home buying process in any market.

 

Tip #1: The Best Time to Buy a Home is Now!

Higher interest rates might price out other potential homebuyers, resulting in less competition and more opportunity to make an offer on the Hawaii home of your dreams. Historically, home prices in Hawaii have continued to increase each year so waiting for significant price drops may not be the best solution. Chances are prices will continue to rise.

Determine a comfortable budget by using our quick and easy online calculators.

Tip #2: Find a Mortgage Financing Option That Fits Your Goals

Compare different mortgage financing options to find one that best fits your needs and goals. Fixed-rate and adjustable-rate mortgage loans can offer various benefits when it comes to your monthly principal and interest payments. At American Savings Bank, we offer a wide range of tools and resources to help you find the right solution:

  • Fixed-Rate Mortgages offer a fixed interest rate for the entire term of the loan resulting in an interest rate that does not fluctuate with market conditions.

  • Adjustable-Rate Mortgages offer lower initial payments and an introductory fixed rate period (often 7 or 10 years). After the fixed period, the rate and monthly principal and interest payments will generally change annually or semi-annually based on the terms of the loan and market conditions.

“Understanding the difference between mortgage interest rates and annual percentage rates can help you choose the best loan products that are right for you,” says Luxton.

Rising interest rates and a volatile market may cause uncertainty for potential home buyers, but at American Savings Bank, we can help you navigate the numerous mortgage options available and put you on the path towards achieving your Hawaii homeownership dreams.

Speak with one of our experienced home loan officers to get started today.

MAKE AN APPOINTMENT

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