Hawaii Real Estate Insights

04/15/2023

First time trying to make Chicken Tortilla Soup... in a Crockpot... Was a hit with the hard to impress teenagers, and made good use of the left over tortilla chips... so I think that's a win. 😉🏆

08/26/2022

Before you start looking for a home, first get a pre-approval from a trusted lender. It's a statement from a lender, who has verified your debt, income, and credit, that says you are qualified to borrow up to a certain amount. You'll need this in order to stay competitive and show sellers that you are serious, when you are ready to submit your offer.

08/25/2022

With prices continuing to go up, buying a home may seem out of reach... but there are ways to stay within your housing budget and take those first steps to paying yourself rent instead of someone else. I'd love to help you make your home ownership dream come true.

08/24/2022

According to a recent study, rent for a 2 bedroom unit in Honolulu went up 19% from the beginning of 2020. With a fixed mortgage, the monthly principal and interest payment won't and wouldn't change... So why are you giving someone else money to pay off their mortgage, when you could be paying off yours instead? Let me help you turn your monthly expense into an investment.

08/13/2022

Sales are slowing but prices are still going up. Don't let the high numbers scare you. Start small, do what you can afford, and while your property appreciates, your money will make money for you. It's called a "starter home" for a reason, almost no one buys their forever dream home right off the bat. If you're going to pay rent, you might as well pay it to yourself 😉 LMK if you want to find out more about the process. I'd love to help get you started.

07/11/2022

Check your credit!! Did you know that the federal government allows you to check your credit report FOR FREE once a year? Go to www.annualcreditreport.com to check your credit report from all 3 credit reporting company: Experian, TransUnion, and Equifax. There you can dispute any errors (such as late payments or fraudulent activity) and see what else could be bringing down your credit score. You can also check with your bank or credit card companies to see if they offer free credit monitoring, so that you can get alerts whenever there are changes to your report.

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07/09/2022

What are FICO scores and why are they important?
A FICO score is a credit score created by the Fair Isaac Corporation (FICO). Lenders use FICO scores, along with other details on your credit reports, to assess credit risk and determine whether to extend credit. FICO scores take into account information in 5 areas to determine your creditworthiness: payment history (35%), credit usage (30%), types of credit used (10%), length of credit history (15%), and new credit inquiries ie "hard pulls" (10%).

07/08/2022

Not quite ready to buy a house? Market kinda scary? That's OK! Now's the perfect time to start getting all your ducks 🦆 in a row, so that when you ARE ready, you'll be locked and loaded. Follow for tips on how to get yourself ready to strike while the iron is HOT! 😉