Buying in Today's Market
The decline in housing values over the last several years has presented some incredible purchase opportunities for buyers and investors alike. These "discounted" properties, however, may end up costing you more than you bargained for if you enter the process without a clear understanding of how the industry has changed.
We specialize in representing the best interests of Hawaii real estate buyers through each step of the home buying process. Our comprehensive, high-quality services are backed by decades of experience in every residential market throughout the Islands. We focus on saving you time and money while making the entire experience a cohesive and enjoyable one.
Now more than ever, it's crucial to focus on these key basics before diving into your property search.
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Know What You Can Afford -- Obtain Financing Early
Finding the home that's right for you is not as easy as it used to be -- lending restrictions have become very tight, and it's never too early to get your financial affairs in order to identify any obligations you need to take care of before applying for a home loan.
There was a time when searching for a home meant a few fun weekends visiting open houses, without concern for whether or not they were within your price range; these days, buyers now come to property showings with a loan pre-approval in place and detailed information about a neighborhood in-hand -- helping them identify how much home they can actually afford and saving both agent and client valuable time.
We’ll help you select an experienced mortgage consultant who will be able to determine the amount of financing you can obtain.
There are various loan options, and we can discuss which option works best for your situation:
* Fixed-Rate Mortgage
* Adjustable Rate Mortgage (ARM)
* Government-Assisted Financing (FHA or VA)
* Seller-Assisted Financing
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Setting Expectations
During our first meeting, we’ll pinpoint the home qualities that are most important to you, from neighborhoods & schools to bedrooms & bathrooms. Every detail you provide will help us streamline the home search process for you. Think about which days work best for you to tour properties, and what times are good for touching base.
Our site allows you to search listings for Oahu, Kauai and the Big Island at your leisure. We’ll also help you create a customized search that provides automatic email alerts when properties meeting your criteria come onto the market.
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The Offer & Escrow
When we find an ideal home for you, we’ll look at comparable recent residential sales in the neighborhood and put together an offer that aligns with current market conditions.
Once the offer is submitted to the seller's agent, and accepted by the seller, we'll ensure that all the terms of the purchase agreement are met during escrow. Items such as home inspections and title reports will be explained in detail to give you peace of mind, and we'll communicate on a regular basis as the process moves towards closing.
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Let’s get started!
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KELLY MITCHELL
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