Great news for First-time Home Buyers!

  The new 
Mortgage Credit Certificate Program

The Best First-Time Homebuyer Program

What it is and How it works:

The Mortgage Credit Certificate Program provides housing assistance to families of
low and moderate income.  The Mortgage Credit Certificate (MCC) reduces the
amount of federal income tax you pay, giving you more available income to qualify
for a mortgage loan and assist you with your mortgage payments.


    How does a MCC reduce taxes?
   For a homeowner with a MCC, the tax 
   benefit is even better than the normal 
   interest tax deduction: 20% of your
   annual mortgage interest will be a direct
   federal tax credit, resulting in a dollar-
   for-dollar reduction of your annual
   federal income tax liability. The remaining
   80% of your annual mortgage interest will
   continue to qualify as an itemized tax
   How long does the Mortgage Credit
   Certificate last?
   The MCC will remain in effect for the life
   of your mortgage loan, so long as the
   home remains your principal residence.
   What mortgages are available with    
   There are many options, including
   conventional Fixed and Adjustable Rate
   loans, FHA and VA loans.
     What do I need to qualify for an MCC?
    There are four main requirements:
    1.  The home you buy must be used as
         your principal residence. If occupancy 
         status changes, you will no longer be
         entitled to claim the mortgage credit.

    2.  You cannot have had an ownership
         interest in a principal residence at any
         time in the last three years.

    3.  The mortgage loan must be a new 
         loan. You cannot be issued a MCC for
         the assumption, refinancing of an 
         existing mortgage loan.  (Exceptions
         may apply if you have a construction,
         bridge or similar short term loan.)
    4.  Income and Property Price Limitations
         apply based on location of the subject
         property and family size. (See tables

Income Limits
Families of less than 3
Families of 3 or more
Purchase Price Limits
Newly Constructed or Existing Residences


To search for homes through Oahu's 
Multiple Listing Service (MLS)
click here: 
Tell me what you like, I would love to show them to you!

How do you know if a condominum is VA approved?  
Find out here:

Got Questions? 
Call or email me for more information....
I'm here to help!

For Environmental Hazard information regarding a property, 
look here:

What's near your property?  
Before purchasing, you need to know!


Hawaii Flood Hazard Tool:

Flood Zone Designation Information:

























Together, let's make your Dream of owning your own home.....a Reality!




Congratulations!  You have decided to purchase a home, or are thinking about buying one.  You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an 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.

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 on Oahu.  I look forward to working with you!

Below, select desired reports and complete the form provided.

Avoid Common Buyer Errors
Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
But Do You Need It
Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible.
Buying Your First Home
Many renters are starting to think about purchasing a home of their own. This article highlights several factors that should be considered when purchasing a home.
The Right Home at the Right Price
This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.
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The island of Mokolii, more commonly known as The Chinaman's Hat, on Oahu's Windward Side.

I'm here to help!

Call me @ 808-239-3961


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     You are in the midst
     of a buyers' market,
     there hasn't been a 
     better time to buy in



    Mortgage rates are an all  time low, sellers are motivated, owning a home is a great investment in your future,
and can lead to many,
many years of happy memories.



Home Ownership is an Investment in Your Future

Home ownership is how many American families begin to accumulate wealth.  Using the latest figures from the Federal Reserve Board's Survey of Consumer Finances, NAR estimates that as of 2008, a typical homeowner's net worth is 49 times that of a renter's.  (Median net worth of $205,500 for owners versus $4,200 for renters.)

For more information on homebuying, find the NAR Guide to Homebuying at 


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