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
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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:
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
Tags: property for sale in hawaii, hawaii homes, hawaii real estate trends, price of homes in hawaii
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
Tags: hawaii homes, homes for sale in hawaii, hawaii property search, price of homes in hawaii
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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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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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 
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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 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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