Buying a Hawaii home

Buying a home can be an overwhelming process with many things to consider such as identifying the ideal property, financing the purchase and everything in between. An important initial aspect in a successful property search is knowing how much you can afford. You don’t want to find a property only to discover that it’s not within your budget.  That’s why I recommend getting a mortgage pre-approval before viewing properties. This document from a bank or other lender states how much they will lend to you. There are two advantages to getting this pre-approval:

• It gives you the peace-of-mind of knowing you can afford homes you view on the market, and won’t have problems arranging financing.
• It’s a sign to sellers that you are a serious, prepared buyer – which gives you the edge when making an offer.

You can arrange for a mortgage pre-approval with a bank or other lender, or by working with a good mortgage broker. I’m well-connected in the local real estate environment, so if you’d like any recommendations, please let me know.  Also, it’s important to work with a local lender that knows the ins and outs of the local real estate market. I advise my homebuyers to consider a local lender that works with homebuyers in Hawaii.

Banks and lenders use specific criteria to determine how much of a mortgage they’re willing to offer you. They look at your income, expenses, credit history and employment status, as well as the down payment you plan to make on a home. It may seem like a scary process, but it is actually straightforward.  By knowing what you can afford, you can confidently shop within your budget.

My job is to facilitate the process by listening and communicating your needs to all parties involved including lenders, inspectors, agents, and escrow. During the process crucial deadlines must be met and both parties come to an agreement.  Have any questions about financing and the homebuying process?  I provide exceptional service from start to finish.  Listening to your wants and needs and providing guidance every step of the way. Contact me today to begin your home ownership journey. I’d love to help you!