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Looking to Buy

Getting Started -

What can I afford?  If you are buying with cash, then what you can afford is only limited by how much cash you have.  If you are buying a home using a loan, don't make the mistake that many buyers do by starting to look at homes before finding out for what purchase price you qualify.  Get pre-qualified first.  To get pre-qualified, you will need to submit financial paperwork, so start gathering your recent 2 years tax returns and W2 document and keep your paystubs and account statements.  Print and complete the Home Buyer Profile below, then email the profile to get started.

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              Home Buyer Profile

                CLICK THE FORM  

        

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Search Homes -

Check out the HBR site link to search homes for sale or rent.  

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Monthly Payments -

The amount of your monthly payment for a home depends on several items including but not limited to:

  • The amount of your loan and down payment (if any)

  • Property Taxes

  • Maintenance fee or Association fee (if any)

  • Insurance costs

  • Assessments (if any)

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Your First Purchase May Be Your First Step -

If you are not established in your career or business yet, your first home purchase may need to be a step towards the home your really want.  You may be able to purchase a home (or condo) that will work for you for the next 5-7 years.  For many home buyers, their first home was the first step on the way to the home they want for the future.  They used the tax benefits of home ownership and benefited from appreciation of the market to then "step up" to their next home.  This two (or more) step process is a strategy that can work well in a high-priced market like the O'ahu market.

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Understanding the Buying Process -

 Click on the chart.

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