If there were ever a time to consider buying real estate, NOW is that time! Interest rates are at historically low levels, and prices are off from the top of the market. As an owner or real estate, you will be joining other families who realize that home ownership offers a number of benefits including building equity, saving for the future, tax deductions, and creating a safe and happy environment for your family. When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours.  Over time, your home will increase in value.

The days of "creative" financing, and low downpayments are gone!  Lenders are now requiring buyers to put down 20% of the sales prices.  If you are an investor, lenders are generally requiring a 25% downpayment.  Be prepared to fully document your financial background, and you should be good to go.  Of course, the FIRST step in the homebuying process is getting         PRE-APPROVED.  By getting pre-approved, you are demonstrating to the seller that you have already dealt with your loan, and that your are qualified to purchase their property. 

Please contact us about getting pre-approved, and a member of our team will assist you with this process.  Please don't pick lender out of the phone book or out of the newspaper, as we have a number of quality lenders on our team!

In the following reports, you'll find the information you need to make a wise buying decision.  We'll take you through the planning process step-by-step , to help you determine which home is right for you.  You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Please contact me if you have any questions about buying a home in Kailua, Honolulu or any where in Hawaii.

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