Sometimes analyzing the past can be a good predictor of the future, and right now many indicators from the past suggest that the US economy is indeed improving…except for a few domains: 1 ) Sell in May and Go Away? This old adage may not always apply. Despite the long-held theory that the economy is [...]
If it’s been awhile since you shopped for property, brace yourself for some changes—not just in the shopping stage, where REOs and short sales definitely bear consideration, but also in securing your financing. What worked in the past may or may not work in the present, with new guidelines in place and more distinctions between [...]
Register for our seminar entitled HOME OWNERSHIP 101 on Kauai: I’ll be facilitating a seminar for 1st time home buyers and homeowners entitled Home Ownership 101, for those who wish to learn about purchasing a home. We’ll also cover the state of the Kauai real estate market and the types loans available including FHA and VA loans. [...]
I am proud to announce that Exclusive Physician Loans, the Nation’s leading physician referral and relocation company, has selected myself as their exclusive network Realtor for the Islands of Hawaii. I will specialize in helping residents and fellows at The John A. Burns School of Medicine as well as at Tripler Army Medical Center. In addition, this program will extend [...]
Every now and again at Hawaii Life, we express our “unified” core value by collaborating with other professionals in the Real Estate Industry outside of our corporate domain. Today it is our pleasure to invite Cindy Stone, a Home Loan Consultant with Central Pacific Home Loans, to explain the latest in Tax Credits for Homebuyers. [...]
The velocity in the Kauai housing market continues its steady growth as more buyers are looking at distressed properties, properties where owners fall behind on their mortgages for a variety of reasons. Once a homeowners falls behind, a common solution is to pursue a loan modification to make owning the home more affordable. Unfortunately, Loan [...]
Planning Ahead for the Home Buying Process. Various mortgage qualification criteria will determine if you can get the home loan you desire. Here are tips on how to prepare so you will be able to get a mortgage loan. 1) Check Your Credit Score You are allowed one free credit report per year from each [...]
A loan transaction typically takes about two or three weeks from the time the application is submitted until approval. This varies, depending on the specifics of the application as well as the lender’s current policies. Here are the basic steps and list of general documents and paperwork that are required by lenders when applying for a [...]
Tightened Lending Standards Make Pre-Qualification Imperative. The recent sharp drop in median home prices on all of the Hawaiian Islands has presented some great buying opportunities. However, uncertain lending conditions make Pre-Qualification for a loan imperative. Here are the Top 10 Reasons to get Pre-Qualified for a Loan: Your offer will be more appealing to [...]
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