Niki McCoy, Oahu Real Estate

Niki McCoy, Oahu Real Estate Helping You See The Potential in Every Home | RS-85273 The foundation of how Niki McCoy does business is built on hard work and honesty.

Niki is your North Shore and East O’ahu expert, two distinctive areas on the island, which come with buyers and sellers with an array of wants and needs. Whether it’s your first time or you are experienced, she will help you see the potential in every home. Your first home does not have to be your last and Niki is here to help you along your real estate journey if you are ready for your starter ho

me, forever home, investment property, or anywhere in between. A former Leasing Consultant and Property Manager for Schofield Army Base Housing, Niki was able to grow her extensive knowledge of the housing industry. Her natural progression to becoming a real estate agent has given Niki more time and flexibility to better serve a wider range of clientele while still using her prior experiences to their benefit. O’ahu has a large military population with individuals and families always moving on and off island and Niki is a pro at going through all the particular hoops that come with PCSing. Originally, from San Diego, Niki moved to Hawai’i in 2013 to be closer to her ‘ohana. When she has free time, Niki loves spending time with her family. She is a mother to one daughter and one small dog. She and her husband love surfing, hiking, and cooking together while bringing their little shadow along for the ride. Niki is very thankful to live on this beautiful island and is here to show you that you can build a life you love in a place all your own.

Just a joke right?? 😭😭 ®
11/19/2023

Just a joke right?? 😭😭


®

Real estate appraisal, property valuation or land valuation is the process of developing an opinion of value for real pr...
11/08/2023

Real estate appraisal, property valuation or land valuation is the process of developing an opinion of value for real property. Real estate transactions often require appraisals because they occur infrequently and every property is unique, unlike corporate stocks, which are traded daily and are identical.

The appraisal gives you useful information about the property. It describes what makes it valuable and may show how it compares to other properties in the neighborhood. An appraisal is an independent assessment of the value of the property.

For buying purposes, appraisals are usually used to determine market value or factor into the pricing equation. But other appraisals are used to determine insurance value, replacement value, and assessed value for property tax purposes.

Niki McCoy | (RA) RS-85273
BHHS Hawai’i Realty

An assumable loan is a great way to navigate a market that seems unruly. USDA, VA and FHA are 3 loan options that are of...
10/25/2023

An assumable loan is a great way to navigate a market that seems unruly. USDA, VA and FHA are 3 loan options that are often assumable. Although each agency has specific requirements that both buyer and seller must fulfill for the loan to be assumed by the buyer.

If you would like more information, I would be happy to answer or direct to a source that can! Purchasing a home isn’t out of reach you just need to know how to ride the wave of the current market.

Niki McCoy | (RA) RS-85273
BHHS Hawai’i Realty

It is essential to have a plan whenever borrowing money. This includes planning for how you will use the financing and h...
10/18/2023

It is essential to have a plan whenever borrowing money. This includes planning for how you will use the financing and how you will pay it back.

Consider best and worst-case scenarios to avoid unrealistic expectations.

What's a HELOC?

a HELOC is a credit line, which means that it works more like a credit card. Based on the amount of equity you have in your home, as well as your . credit history, and income, you will receive a maximum credit limit from your lender.

Why do people use a HELOC to buy homes?

Because a HELOC is a secured loan, lenders can offer lower interest rates than pn unsecured loans like credit cards and personal loans. It may also help you with a larger down payment, or to buy down the interest rate.

How does it work?

A HELOC is usually divided into two, clearly defined • periods. It begins with a draw period, during which you can withdraw funds from your credit line. This first period typically lasts from 5-10 years.

Most lenders only require that you make payments on interest at this time. Following the draw period is the repayment period. During this period, you will be required to make payments on interest and the outstanding balance until the loan is paid off.

If you made it through this thank you! 😂 please reach out if you have any questions! 💖

As a reminder, I am not a finance or mortgage expert, so please with either of those professionals before moving forward with any plans! If you are in need of a loan officer or mortgage expert, reach out and I can give you a few resources.

Niki McCoy | (RA) RS-85273
BHHS Hawai’i Realty

Are you looking for something fun and autumnal to do this fall season? Here are a few things happening around the island...
10/13/2023

Are you looking for something fun and autumnal to do this fall season? Here are a few things happening around the island in the next couple weeks.

Are there any events I missed? Let me know and tag them below!

In my bio you will find a link for each event/website where I got the information along with details on what each event will offer, plus ticket buying information!

Niki McCoy | (RA) RS-85273
BHHS Hawai’i Realty

My favorite listing of the day! 4 bedroom in Kaneohe for $860k with a covered lanai! https://myre.io/0byOs5DPuzgmListed ...
10/12/2023

My favorite listing of the day! 4 bedroom in Kaneohe for $860k with a covered lanai!

https://myre.io/0byOs5DPuzgm

Listed by Corcoran Pacific Properties

Another new listing in Whitmore Village! This one is in average condition, has a beautifully maintained yard ☺️https://m...
10/11/2023

Another new listing in Whitmore Village! This one is in average condition, has a beautifully maintained yard ☺️

https://myre.io/058vQHvDUZ6

Listed by Realty 2000, inc.

You've either seen this agent or been this agent Niki McCoy I (RA) RS-85273BHHS Hawaii Realty
09/30/2023

You've either seen this agent or been this agent

Niki McCoy I (RA) RS-85273
BHHS Hawaii Realty

A preliminary title report is a report prepared by a title company before issuing a title insurance policy. It also reve...
09/26/2023

A preliminary title report is a report prepared by a title company before issuing a title insurance policy. It also reveals any red flags for obtaining title and ownership along with any outstanding debts/liens before you purchase the property, the owners name, the legal description of the property, and any exceptions to the title policy.

Niki McCoy | (RA) RS-85273
BHHS Hawai’i Realty

DATE CHANGE! Learn about the loan programs and financing strategies available that can give you more buying power and ge...
09/08/2023

DATE CHANGE!

Learn about the loan programs and financing strategies available that can give you more buying power and get you the home you want.

Join us and Guaranteed Rate on Saturday, September 23rd from 9:30AM to 10:30AM at our Honolulu office (931 Hausten Street) for a seminar that breaks it all down for you. This event is free to the public.

If you would like to attend, please RSVP at the link in my bio!
Niki McCoy | (RA) RS-85273
BHHS Hawai’i Realty

Address

1001 Kamokila Boulevard , Suite 206
Kapolei, HI
96707

Telephone

+18086906114

Website

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