by admin in Hawaii real estate articles

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Private Sales Event – The Ritz-Carlton Waikiki Residences

by admin in Hawaii real estate articles

Ritz-Carlton-Ad-04

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Search For Hawaii Homes By Neighborhood

by admin in Hawaii homes for sale

Here’s a new way to search for Hawaii homes by neighborhood. It’s fast, simple, has a mapping feature and allows you to narrow your search down to exactly what you need and want. Click here to search for Hawaii homes by neighborhood

Map of Hawaii with live link to neighborhood search webpage

Hawaii Map With Live Link to Neighborhood Search Webpage

Kay Osman reviews

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Oahu and Honolulu Real Estate Average Sales Prices

by admin in Hawaii real estate statistics

View or download this PDF file that contains a Hawaii real estate market chart of average sales prices of all MLS resales combined for Oahu from 1970 to 2008.

Oahu and Honolulu Real Estate Average Sales Prices PDF.

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Oahu and Honolulu Real Estate Statistics – January 2010

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View or download this PDF file that contains the latest Hawaii real estate market statistics for Oahu January 2010.

Hawaii real estate statistics and trends.

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August 2009 Residential Resale Statistics For Oahu

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Click the link that follows to download a PDF file with statistics for Hawaii real estate sales for the island of Oahu

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New Hawaii real estate Website with search tool

by admin in Hawaii homes for sale

See the new Hawaii real estate Website that allows you to do comprehensive searches with maps, photos, my MLS number, by district, by neighborhood, by price range, and more. There are also quite a few Hawaii real estate links and resources at this new site. Click here to see the new Hawaii real estate Website today

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Unique Limited Hawaii Housing Offering

by admin in Hawaii homes for sale

Video about a limited time, unique oceanfront Hawaii housing offering in a new development. Overlooking a oceanfront lagoon at a world-class Resort and Marina. A total of only 247 exquisite villas. Huge discounts during this limited time offering.

Hawaii development sale with reduced prices

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Hawaii Property Close To The Ocean

by admin in hawaii home for sale virtual tour

Enjoy the ocean, a nearby park, the spacious floorplan and the Hawaii lifestyle. Enclosed garage, open kitchen, tiled floors, close to school, close to a shopping center with lots of parking. numberswiki.com

Click the image below to see a video of this Hawaii property for sale

video of Hawaii home for sale

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New Blog with panel of experts in Hawaii real estate roundable videos

by admin in hawaii real estate article

We’ve created a new blog with Web videos where you will hear from a panel of experts specializing in Hawaii real estate related topics during the first in our series, The Hawaii Real Estate Round table.

You will get insights, advice and information from an escrow officer, from a loan officer, from a home insurance more info

specialist, from a real estate broker and from a home inspector. In later series you will hear from additional experts who specialize in Hawaii real estate related topics. Click this link to watch our panel of experts in these new Hawaii real estate Web videos

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Show Us The Money

by admin in hawaii real estate article

The US government gave a lot of money to banks and lending institutions.  They don’t seem to be lending it yet to consumers, or small business owners.  Buyers are tortured with long delays, demands, more requests, lack of specific answers; properties are scrutinized and re-evaluated over and over again.

Why some lenders now request two appraisals for properties that in the past used one appraisal only?  And why some other lenders change their requirement for comparables to properties sold within the past three months only, instead of the standard 6 months?  In the past, the written loan commitment was final, but, lenders now come back after providing the written loan commitment with other demands, they do not fund on time, they delay closing , claiming they just discovered something that needs an answer when going over the file again!

Would be buyers with pretty good credit scores can’t get loans! As far as investors’ loans, forget it, they are being discouraged, excluded from any decent refinance or new finance and quoted very high rates.  How would the economy improve if we are excluding a huge and important segment of the population? I have a client investor that was quoted a loan at 9.5%, cost of 6 points when he inquired about refinancing a property he owns. This is crazy and unacceptable, we got to call our representatives and let them know how we feel about all this.

I am surprised that funds were given without conditions to the same bankers that put us in the mess we are now in. Where is the money! The housing market is crawling & declining from the difficulty in obtaining finance. I did not even mention the poor small business owners, they are going through unbelievable difficulties and losses.

Where is the money?  Please stop the bleeding

Kay F Osman has been assisting buyers realize their home buying dreams for over 30 years. She can help you get the right home at the right price.

To PingMe (Call me free), click here:
http://tinyurl.com/yc7d3s

Kay F Osman R, CRB, CRS, GRI, SRES
Accredited Buyer’s Representative (ABR)
Del Osman Realty, Inc.
Ph:  (808) 523-6421 fax:  (808) 523-8729
Web site:  http://osman1.com

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Video of New Hawaii Home for Sale

by admin in Hawaii real estate listing, Hawaii real estate videos, Hawaii real estate virtual tour, home for sale in Hawaii, Video of new Hawaii home for sale

5 Bedroom, 3 Bath home built in 2007 with attached double garage.

Click here to see a video of this outstanding Hawaii home on Makona Street

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Virtual Tour Of Hawaii Real Estate Property

by admin in hawaii home for sale slideshow, hawaii home for sale virtual tour, Hawaii real estate articles, Hawaii real estate virtual tour, new home for sale in hawaii, property for sale in hawaii, slideshow of hawaii home for sale, virtual slide show of hawaii home, virtual tour of Hawaii property

See the inside of 95-930 Wikao Street on the beautiful island of Hawaii. This is a really nice single story 2 bedroom, 2 bath home with a garage and it is less then 8 years old.

Click on the image below to watch this Hawaii real estate virtual tour

hawaii real estate virtual tour
Hawaii real estate virtual tour

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Access Links and Hawaii Real Estate Information At This Site…

by admin in Hawaii homes for sale, Hawaii real estate articles

Real estate in Hawaii is a hot commodity. The island is gorgeous, the people are wonderful, the weather is great all year round and the real estate is almost always a great investment over time. Use these links to get important Hawaii real estate information:

* Links to Hawaii home search options

* Links to Hawaii blog articles

* Links to Hawaii real estate videos

* Link to a Hawaii real estate RSS Feed

* Link to Hawaii real estate Website

Search Property Worldwide

Search Property Worldwide

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Those waiting for the real estate market to bottom out before purchasing their home may not be able to buy

by admin in Hawaii homes for sale, hawaii real estate article, Hawaii real estate articles, real estate in hawaii

We are hearing and reading everywhere that it is buyer’s market, you have options, and choices.

The word of wisdom from friends and relatives, go for a foreclosure, wait for the prices to go down, don’t rush into buying, and more similar advice. While this is true and may be applicable to certain states, locations & individual buyers, there are other factors of great importance that is affecting your ability to purchase a home.

I would like to emphasize important factors affecting the home buying process now, under the current reality, with the turmoil and devastating losses of financial institutions. We need to understand that there is a drastic and fundamental change to the rules we operated under in real estate. Remember the word change, many, almost daily changes that you as a Buyer have to understand and digest thoroughly and carefully, are taking place continuously.

The borrowing guidelines are getting tighter by the day. The requirements for higher credit scores are a must in order to qualify for loan. The down payment requirements are now tied up to the borrowers credit scores, & property type. The loan approval process can be prolonged due to more strict underwriting guidelines, and staffing reduction.

Important to remember if you are planning to purchase a home:

  • Contact a lender to be qualified early in the process to avoid unnecessary disappointments. Need to provide the lender with a complete loan application, for the bank to validate, and to determine the amount of loan your income, assets, employment and credit score would allow.
  • You may not be able to qualify for many of the loan programs that you were qualified for before.
  • There is a lot of pressure on appraisers to ensure that values are not inflated. Just imagine that you have an accepted offer, agreed on price, waiting patiently for the loan process to be completed, then you get the call informing you that the property did not appraise. The appraisal is $30,000 less than the agreed upon price.

Having said that, there are some exceptions to other loan types, such as the VA, FHA and portfolio loan products.

Kay F Osman has been assisting buyers realize their home
buying dreams for over 30 years. She can help you get
the right home at the right price.

To PingMe (Call me free), click here

Kay F Osman R, CRB, CRS, GRI, SRES
Accredited Buyer’s Representative (ABR)
Del Osman Realty, Inc.

Ph: (808) 523-6421 fax: (808) 523-8729

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Life In Hawaii

by admin in Hawaii homes for sale

Living in Hawaii is a true joy. The weather is great all year around, the people are friendly, the scenery is relaxing and beautiful and there is so much to do.

See some of the very best Hawaii homes listed for sale on the following Web page… Hawaii living

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Articles on finding the best property values in Hawaii

by admin in Hawaii real estate questions and answers

Articles and information on the very best real estate properties at the best prices in Hawaii. Get answers to your most pressing Hawaii real estate questions. Information on how to get the best deals on the island with the least hassle in the shortest time. Get information on Hawaii real estate properties here

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Hawaii Real Estate Videos

by admin in Hawaii real estate videos

Real estate in Hawaii has always been a desireable commodity in high demand. 

Get the information you need to know, to be able to find out about the Hawaii real estate market, the neighborhoods, the homes and more.

Click the link that follows to see our latest video on real estate in Hawaii at YouTube

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First Time Buyers – What You Need To Know

by admin in Hawaii real estate articles

Most of us at one point dream of owning our own, private and special home. Since everyone is different, and the thought process is influenced by endless factors, some end up buying at an early age, other individuals later on in life, and some may never buy. What is the secret of being able to purchase a home, how do we go about it and what does it take to make this bold step? Right-click the RSS Feed image that follows to copy and bookmark this RSS Feed so you can read the rest of this article Real estate in Hawaii article

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Your First Step To Home Ownership

by admin in Hawaii real estate articles

Getting Your Finances In Order

To prepare yourself for the transition of ownership vs. rent, or even for buying up or any other scenario, you may like to plan ahead of time. 

1. An actual accounting of your income and expense over a period of six months would be very helpful.  It may reflect unexpected expenses, or other cost that you may forget to
take into account if you look at just one month sample.

2. Go over the details of your expenses, you may see some ways to save.

3. Your installment loans should be within 10% of your total income, this will look attractive to your bank, if it is higher, try to reduce your debt ratio and for the time being, eliminate or reduce credit card purchases.

4. There are 100% mortgages, other mortgages with 3% to 5% down payment, you also will have the banks closing cost, and the regular escrow closing cost. The more you save toward higher down payment, the better the interest rate you will get. 

5. You may like to decide on a certain amount a month that you can save and put away in a special fund to go toward increasing your savings & down payment.

6. Be sure to hold on to your job, at least until you finalize the purchase of your home, having employment history of two years is more attractive to your lender.

7. Be sure to pay special attention to your credit score, make your payments in a timely manner.  This is crucial, will talk next about ways to improve your credit score.

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Kay Osman
Kay F Osman has been assisting buyers realize their home
buying dreams for over 30 years. She can help you get the
right home at the right price.

To PingMe (Call me free), click here:
http://4u-web.com/rp/new.html

Kay F Osman R, CRB, CRS, GRI, SRES
Accredited Buyer’s Representative (ABR)
Del Osman Realty, Inc. 
Ph:  (808) 523-6421 fax:  (808) 523-8729
Web site: http://osman1.com  
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About Del Osman Realty, Inc. and Kay Osman

by admin in Hawaii real estate articles

The Company and Our Philosophy
The philosophy that Del Osman Realty, Inc. has is simple: Our Clients’ best interest comes first. This old fashion concept has paid us handsome dividends in priceless clients’ loyalty, referrals and appreciation. We sincerely believe that our clients’ encouragement and support are the most important factors for the success we enjoy today. It is our goal to provide the best possible service to our clients in a professional, honest and courteous manner.

We belong to the Honolulu Board of Realtors , The Hawaii Association of Realtors and the National Association of Realtors. We adopt and follow the Code of Ethics of these organizations.

Investors from all-over the world purchase real estate in Hawaii each year because Hawaii offers the most beautiful weather, scenery and people. If you are considering owning real estate in Hawaii, you may like to call on the professional real estate agents of Del Osman Realty Inc.

This firm is managed by Kay F. Osman, R, CRB, CRS, GRI, one of the most knowledgeable and experienced realtors in Hawaii who is known for her service, integrity and innovation. On the other hand if you are looking for the maximum exposure for your real estate in Hawaii, Del Osman Realty is ideal because of its outstanding web site exposure and its physical location in the heart of Honolulu, Hawaii.

Our Mission
Our mission is to run a reputable, profitable and effective real estate operation by continuously attracting qualified buyers and sellers to our Company, using unique selling propositions. We provide them with the highest quality service at competitive prices. We sincerely care about them and we empathize with their concerns. We consider them the most important asset we have. We help our clients achieve their goals through an ethical, well trained and adequately compensated staff. As a team we strive to build and earn our clients’ loyalty and referrals. We pledge to be good to our industry and to our community.

Our Services
Del Osman Realty Inc. (DOR), is a real estate firm incorporated in the state of Hawaii in 1980. DOR is a small company by design. We strongly believe in concentrating our efforts and resources in providing top quality services to our clients instead of managing large staff. We measure our success by the quality of service we provide rather than the number of transactions we consummate.

Our Principal Broker
Kay Osman is the Vice President and Principal Broker of Del Osman Realty Inc. Kay was born in Egypt and earned her BA from Cairo University. She came to Hawaii in 1968. After working for UH and Travel System International, Kay became interested in the real estate business.

Kay Osman 

Kay believes that a client’s loyalty must be earned and never be taken for granted. She strives to deliver more than she promises. Kay’s clients and associates consider her a dedicated professional.

Continuing education and self development keep her ready and fit to take on the challenges of the business. She has earned the ABR, CRB, CRS, GRI and the SRES designations and participated in numerous seminars and workshops. Kay’s interest in and concern for others bring her countless referrals which she values highly.

Kay’s success and experience earned her the respect and admiration of her peers. She served on many committees and task forces in several capacities in Hawaii including: President of the Hawaii Chapter of the CRB; Chairman of the Education Committee of HAR; Vice Chair of the Education Committee of the CRS; and member HAR’s Communication Task Force.

Give Kay a call and let her turn your dreams into reality! Her high ethical standards, commitment, excellent knowledge of finance and the available properties will be of great help to both buyers and sellers. Enlist the services of a proven performer with over 20 years of experience in Hawaii real estate.

Del Osman Realty Inc., provides complete resale brokerage service and property management. Let our real estate professionals show you what Hawaii has to offer in your price range and the location you prefer.

Kay F Osman, R, CRB, CRS, GRI, SRES Accredited Buyer’s Representative (ABR) has been helping buyers realize their home buying dreams for over 15 years. She can help you get the right home at the right price every time.

Where You Live Or Own Property In Hawaii Is Everything- here’s why…

by admin in Hawaii real estate articles

* The properties in the right locations appreciate in value the most, in the shortest time

* The properties in the right locations are the most enjoyable to live in, which makes them the most in demand

Click here to read the rest of this short real estate blog post

While you’re there you can download “Your Must-Have Visual Guide To Honolulu and Oahu’s Neighborhoods” report

Tags: hawaii neighborhoods, location in hawaii, home for sale in Hawaii

Vacation Homes, Second Homes and Timeshares—Can They Be Exchanged?

by admin in Hawaii real estate articles

E-Report – Vacation Homes (Contributor: Old Republic Exchange)

Vacation Homes, Second Homes and Timeshares—Can They Be Exchanged?

Does failure to rent disqualify a property from Section 1031 deferral?

Does personal use disqualify a property from Section 1031 deferral?

What are the two primary ways that Timeshares are characterized?

Click here to find out the answers in this PDF real estate report

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Protecting Yourself When Buying Or Selling Real Estate

by admin in Hawaii real estate articles

You Need To Be Protected When Buying Or Selling Real Estate

Home inspection:

Real estate is large investment, and you need to protect your investment. In addition to your visual inspection during your visits to the home, as soon as you have an accepted contract, you need to hire a licensed, professional home inspector to give you a detailed report about the home, construction, electric, plumbing, roofing, hazardous material and any other information about the home. Paying for inspector is the best investment, if it comes with a clean bill of health, or even with a very bad report, you are the winner in both cases, you have the option to move forward or cancel and run away from too many or costly repairs.

Seller’s Real Property Disclosure:

The Seller is obligated to disclose all material facts and defects Seller is aware of. Buyer as per the contract, has certain number of days to accept the disclosure and proceed with the purchase, or reject the disclosure and cancel. Buyer is advised to read the report carefully, ask questions, and verify information. It is recommended that a copy of that disclosure be given to Buyer’s inspector to assist in reviewing & verifying any conditions mentioned by the Seller.

Subdivision or Condominium documents:

It is advisable to get a copy of the covenants & restrictions if there is one in the area of the home you are interested in. You do not want to be surprised about any rules or regulations that you are not comfortable with. If you are purchasing a condominium or townhouse, there are a lot of documents, including budget, minutes of meetings, reserve study, house rules, by-laws to mention a few. Please take the time to read all this within the time line of your contract.

Fire and Hazard Insurance:

If you are buying a single family home, the lender wants to see an insurance binder before giving you the final loan commitment. Do not wait to the last minute to shop for your home insurance, as soon as you have a sold contract, start your search for insurance carrier. The insurance carriers are now more strict and selective. If you are buying a fixer upper old home, it may be more difficult to secure insurance.

Repairs and As Is Clauses:

In a Seller’s market, most sellers add an As Is Addendum to the contract, stating that the home is sold in as is condition. You may accept it, however, during the inspection period, you discover serious costly problems that would not have been discovered by just visual inspection and without a professional inspector. Your agent, in this case, should try to approach the Seller with a list of requested repairs, high -lighting the fact that it was not visible to a lay person, not disclosed by Seller and is too expensive to afford.

Walk Through Inspection:

The final walk thru is done within 7 days prior to recordation, preferably, the property will be vacant. The purpose of this walk through is to check that the property is still in the same condition and repair as when you first inspected it (hopefully you took some photos at that time), and that all included items are in place. If repairs are not done or delayed, get an estimate of the cost, and request that escrow withholds from Seller’s proceeds an amount equal to 150% of that estimate.

Enjoy your home

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Kay F Osman has been assisting buyers realize their home
buying dreams for over 30 years. She can help you get the
right home at the right price.

To PingMe (Call me free), click here:
http://4u-web.com/rp/new.html

Kay F Osman R, CRB, CRS, GRI, SRES
Accredited Buyer’s Representative (ABR)
Del Osman Realty, Inc.
Ph: (808) 523-6421 fax: (808) 523-8729
Web site: http://osman1.com
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Money Saving Taxation Methods You Can Take Advantage Of

by admin in Hawaii real estate articles

Below is a special PDF report with… Money Saving Taxation Methods That You Can Take Advantage Of (Contributor: Old Republic Exchange)

When a taxpayer sells a principal residence, they are entitled to exclude $250,000 of gain ($500,000 for married taxpayers) from taxation. A a taxpayer may also exchange investment property for other investment property and defer capital gains on the sale.

When a property is used for both purposes – i.e. as a principal residence and for investment – a taxpayer may take advantage of both the 121 capital gain exclusion and the 1031 capital gain deferral. What types of property qualify?

Find out these answers and more in this Free PDF real estate exchange report

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For Sale! Own a Part Of Paradise Today

by admin in Hawaii homes for sale

Condominium living in the mountains of beautiful Makiki.

2-Bedrooms, 1.5-Bathrooms, designer touches, upgraded with taste, and looks like a model. End unit in super location. Upgrades include kitchen, appliances, cabinets, custom closets throughout, laminate flooring… Find out more about this beautiful condominum apartment in Hawaii today.

Search For and Find the Best Hawaii Homes Here…

by admin in Hawaii homes for sale

Investors and home owners from all-over the world purchase real estate in Hawaii each year because Hawaii offers the most beautiful weather, scenery and people. Click the following link to see some newly constructed homes and projects in Hawaii

Click the link that follows to do a property search with photos for Hawaii homes at the best prices

On this Web page you can click on any map to see homes for sale by Hawaii neighborhoods. Follow the link that follows to do some Hawaii house hunting

Here you can find the best of Hawaii living with these gorgeous luxury homes

On this Web page you can find detailed listings of homes in Hawaii, you can search for homes by a price range, you can find information on current interest rates and mortgage information, you can find information on real estate taxes, facts on investing in Hawaii and much more. Get the Hawaii real estate information you need here

On the following Web page you can find information on Hawaii schools, Hawaii statistics, you can find out all about Hawaii, you’ll find other Web links, and more. Find out what you want about Hawaii here

Kay Osman of Del Osman Realty, Inc.

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Links

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Here you can find links to additional resources

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Real estate resources

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Here you can find more links or request a link exchange.

Hawaii real estate articles and videos

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Fair Housing Regulations

by admin in Hawaii real estate articles

Del Osman Realty, Inc. complies with all Federal and Local Fair Housing Regulations.  Fair Housing Renter’s Housing Rights is spelled out in the Civil Rights Act of 1968, as amended by the Fair Housing Amendments Act of 1988, provides civil rights protection to applicants and tenants of rented or leased residential dwelling units.  These rights are also included in Chapter 515, Hawaii Revised Statutes which further expands the protection provided by State Law.  Together, Federal and State laws, prohibit housing discrimination based on a person’s RACE, COLOR, RELIGION, ORIGIN, SEX, PRESENCE OF MINOR CHILDREN IN THE FAMILY, PHYSICAL OR MENTAL DISABILITY, MARITAL STATUS OR AGE.  These are called the “protected classes”.  Fair Housing is good for our families, good for our communities, good for the real estate industry and for business in general. Fair housing means equal and professional real estate service to everyone.  For more information about Fair Housing laws, please visit:  http://www.hud.gov/offices/fheol/FHLaws/

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