When it comes to purchasing real estate in Hawaii, one thing is for certain. Unless you are planning on making your purchase by an "all cash" payment, you are more than likely to need the guidance of a mortgage lender who will help find a loan program that best meets your needs and suits your qualifications.

Because numerous properties are being sold as "distressed" properties such as short sales or foreclosures, most contracts for purchase should be accompanied with a mortgage lender's preapproval letter stating the exact amount you have been "pre-qualified" for based on your financial health. However, you can bet that every lender will want to review your credit history firsthand before they quote you a specific interest rate and costs so be prepared for that to happen. And, if you feel that your creditworthiness is less than perfect, you may want to consider clearing up any delinquencies and deficiencies first before you take that first step towards home ownership. Because it could actually cost you more on interest payments if you're not careful enough.  There is no obligation to buy but it will be helpful to know where you stand.

Knowing exactly how much home you can buy "before" you actually start shopping makes total sense as most would-be home buyers normally find themselves doing the exact opposite. And, it can be quite disappointing should you find the home you want to purchase only to find out that you can't qualify to finance it.

With my past experiences in the mortgage loan industry, I will help you understand the entire financing process and put you in touch with a lender or lenders who I've personally screened and worked with and who I feel shares in my passion to servicing clients at the highest level possible, both professionally and ethically.
 

In retrospect of buying a home in Hawaii, you may be considering selling your home whether you're moving away, potentially upgrading or downsizing your home.  Regardless of your reasons, one thing is certain.  Realtors are statistically more successful at selling homes than a homeowner doing so on their own.  This is because of the vast amounts of resources most licensed agents have that are made available to them.   

As a buyer's agent, the process can be fairly easier than selling a property may be. However, in the selling of a home, the process can become quite extensive as it will entail the need to coordinate, plan, and market your home in a manner that garnishes the most effective attention while gaining the most interest amongst the other homes that are also on the market. Developing a sound marketing strategy is vital to the success in the sale of your home.

Additional standard services that will be provided when representing a seller is to manage, facilitate and negotiate the entire transaction from start to finish. All contract offers will be immediately presented, explained and shared with you whereby you will then be able to consider accepting, rejecting, or submitting a counteroffer that best meets your desired results and outcome. 

Bottom line. You want to sell your home and I want to sell it for you.

Real Estate Radio

To learn more about the real estate market or to hear advice from various national professionals in the industry, you can listen to the most recent broadcast on Real EstateToday Radio by clicking on this link: 

http://www.retradio.com/listennow.html

** The information provided by Real Estate Today Radio is deemed to be reliable but not guaranteed. **