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NAR's Home Buying in 6 Steps:


1) Get Ready for Home Ownership:

  • Build a good credit history
  • Get mortgage pre-approval
  • Find out what type of mortgages you quality for
  • Consider hiring an attorney to review all contracts and agreements associated with the home buying process
  • Save up for a down payment (typically 10-20% of property’s value; if FHA-qualified, then possibly less)
    • Consider closing costs which can include taxes, attorney’s fees, and transfer fees
    • Consider utilities and monthly bills, such as homeowner's assessments

2) Find a Real Estate Professional:

  • Get a referral from friends, family, and work colleagues, or search realtor.com® and look for real estate yard signs and advertisements
  • Ask the real estate professionals you interview about buyer's representation contracts and agreements; make sure you understand the terms
  • Explain your needs and expectations to the real estate professional you choose to work with

3) Find the Right Property:

  • Determine what is important to you, such as particular schools, neighborhood amenities, monthly mortgage payment, public transportation, walkability, etc.
  • Make sure you include home owner’s assessments, utilities, and taxes when calculating the monthly mortgage payment

4) Finance the Property:

  • Contact your mortgage broker or lender
  • The lender or attorney will run a title search to ensure there are no clouds on the title
  • Make sure you understand the financing terms—ask the lender for clarification, if needed

5) Make an Offer:

  • Ensure the property is inspected by a licensed home inspector
  • Acquire title insurance
  • Make sure the title is clear, or make your offer contingent upon title clearance
  • Read all contracts before signing—make sure you understand all of the terms, ask questions
  • Place a competitive bid and be prepared to make a counter-offer
  • Keep your credit score stable and in-check by waiting to purchase any big-ticket items until long after the closing
  • Only one offer will result in a sale, so be prepared to move on if your offer is not accepted

6) Closing and Life After the Big Purchase:

  • Protect your new asset by obtaining insurance such as homeowner’s, flood, disaster, and fire
  • Weatherproof your new home
  • Maintain files—digital or print—for all warranties, insurance documents, contracts, etc.
  • Keep original closing documents in a safe place, preferably outside the home (such as a safety deposit box)
  • Set up utilities bills in your name, maintain files
  • Implement desired aesthetic changes such as painting, minor construction, and re-flooring
  • Set a move date and hire movers or plan a move party with your friends
  • Get to know your neighbors and explore your new neighborhood
  • If you're happy with the work of your real estate professional, be sure to recommend her/him to friends and family


Together, let's make your dream of home ownership your 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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Links to Helpful Information:


To search for homes through O'ahu's 
Multiple Listing Service (MLS)
click here: 

http://www.hicentral.com 
  

I can show you any property!

 

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

https://vip.vba.va.gov/portal/VBAH/VBAHome/condopudsearch

 

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

For Environmental Hazard and other environmental information regarding a property, look here:

https://www3.epa.gov/myem/envmap/find.html

 

Hawai'i Flood Hazard Assessment Tool:

http://gis.hawaiinfip.org/fhat/

FEMA / National Flood Insurance Program Information:

https://www.floodsmart.gov/

 

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