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va loans: 2011 VA County Loan Limits for Hawaii - 12/20/10 12:20 PM
Below are the VA Mortgage Guaranty amounts for Hawaii. These limits apply to loans closed January 1, 2011 through September 30, 2011. The VA will guarantee 25% of the loan amount up to the limits listed below. For amounts above the limit, speak to your loan officer for down payment requirements.

I specialize in working with VA buyers in Honolulu County. If you are looking to purchase a home on Oahu (Honolulu County), please contact me. I would be honored to guide you through the process.
… (2 comments)

va loans: 2009 Military Basic Housing Allowance (BAH) for Honolulu County - 12/25/08 11:53 AM
As we get to the end of another year a few things will change.  One of them is the Basic Housing Allowance for our active duty troops stationed in Honolulu County (Island of Oahu).  The rates had a slight decrease from the 2008 levels.  Those who are already stationed here will be grandfathered in at the previous rate. BAH in Honolulu County is much higher than most parts of the country.  Coupled with VA Mortgages, buying a home is a viable option for our troops in Hawaii.
 
2009 Military Housing Allowance Monthly BAH (Basic Allowance for Housing) for Honolulu County.
The VA mortgage … (10 comments)

va loans: 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)

va loans: VA Loans - Even Experienced Agents are Clueless at Times - 01/23/08 07:46 PM
I am amazed how many times I come across and another agent who has been in the business for a long time (over 35 years in this case) and still does not seem to know what they are doing.
I had a somewhat frustrating one last week.  After showing my buyers many properties over a few days of looking we found the one they wanted.  The seller's agent informed me they were expecting two other offers.  We put together a clean offer with no extra contingencies.  They are using a VA loan and the lender is picking up the non-allowables, leaving no … (25 comments)

va loans: VA Loans are Such a Powerful Benefit/ Tool - 11/06/06 04:15 AM
                                                                                                                
I am so amazed by how many Realtors and lenders in Hawaii shy away from VA loans.        
The VA does not look at credit scores, making qualifying easier in some cases            Lower closing costsLower monthly payments; Federally guaranteed, no risk to lender, no mortgage insuranceAutomated loan processing in most cases.  Can close faster than conventional loans in most transactions.One of of the few types of mortgages that are assumable.  A potential big deal in the future if interest rates were to climb.Higher closing rate for VA loans over conventional loans.The VA cap in 2006 is $625,000.  The Honolulu Basic Housing Allowance (BAH) … (2 comments)

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

Mililani, HI

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Century 21 Liberty Homes

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

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