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mortgages: Attention Renters - It is Time to Buy! - 09/26/11 12:27 PM
Do you want to be a homeowner?  Are you worried about timing?  After reading this article, you will better understand why it is time to buy.  Let’s look at a few factors, the amateur experts and the news media failed to tell you.
·         Prices are down.  Are they at the bottom?  There is no possible way to predict the absolute bottom in any market, but they are down and in many areas are showing signs of leveling and even climbing.  As you read down, you will see that timing the bottom; may be one of the lower priorities when deciding … (15 comments)

mortgages: 2009 VA and FHA Mortgage Loan Limits for Hawaii - 03/02/09 08:28 AM
The below numbers were taken from the HUD and VA websites.
To find out your qualifying loan amount or details on VA or FHA borrowing, please seek a out qualified loan officer.  If you are looking to buy in Hawaii, my services are normally free to buyers.  I can help you with the purchase of the property and can give you the names of top professional loan officers in the area that I and my clients have had good experiences with.
*The above information is believed to be accurate, but not guaranteed.
… (8 comments)

mortgages: Shopping for Mortgages - 06/01/08 09:56 PM
I thought I revisit this issue again, since it comes up so often in the course of doing business.
I frequently get asked about using a funding lender vs. a mortgage broker vs. an online lender.
I have some very strong opinions on the topic and have never been shy about it and why I have the opinions I have.
Randy's Rules:
I strongly recommend using a funding lender whenever possible. I strongly recommend in using a local lender. I strongly recommend using an experienced agent and not a rookie. I know there are some really great mortgage brokers out there.  … (18 comments)

mortgages: Why Does Hawaii Have Fewer Foreclosures? - 02/15/08 12:46 AM
I sat in a Broker's Forum last week.  One of the speakers was the economist from Bank of Hawaii, Paul Brewbaker.
He said something I did not expect to hear.  Well let me start by sharing a little background for my surprise first.  For the last year or so, bankruptcies have been up nationwide in most markets.  Hawaii has consistently been among the lowest.  In my practice I rarely see buyers doing sub-prime, ARMS, stated income/ stated assets, 1% negative amortization or such.  I assumed that in Hawaii we had fewer foreclosures because we write less subprime loans.
After sharing his statistics and … (46 comments)

mortgages: Loan Officers With Better Deals Than VA Are Probably Lying - 02/07/08 04:24 AM
Strong words?  I don't think so. 
I have spoken to many Military folks who were steered away from using their VA benefits when buying a home.  When a mortgage broker or an out of state lender tells someone with VA benefits that they have a better deal; it is probably better for the loan officer, not the borrower.  Here are a few reasons why some loan officers have consistently pushed vets away from using a VA Loan:
They are not set up to do VA loans.They can not charge the junk fees.They do not make as much money on them.They are not … (21 comments)

 
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Randy L. Prothero - Hawaii REALTOR® (808) 384-5645

Mililani, HI

More about me…

Century 21 Liberty Homes

Address: 95-221 Kipapa Dr., E3, Mililani, HI, 96789

Cell Phone: (808) 384-5645

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