Put yourself in your Hawaii Home Buyer Representative's (Buyer's Agent) shoes for a minute. Okay, maybe a few minutes because you've been stressing each other out as well as everyone involved in your process for Buying a Hawaii Home.
A few ‘minor' but important details to have a smooth(er), stress (free?) process:
- Know what price range you are ‘qualified' for. Check with your local lender (loan officer, mortgage broker) and let them know what kind of monthly mortgage payment you want to be capped at. This i
ncludes factoring in your association dues, property taxes, maintenance fees and so forth. Why? You want to look at property that is realistic and feasible for your monthly budget.
- How many bedrooms, baths and other criteria for a home? Make sure the whole family sits down and discusses what they would be comfortable with. This can make a difference in this agent setting up showing appointments as we are able to weed out certain criteria. More sq/ft = higher price so keep it realistic too.
- Do you want a townhouse, condo or single family home? That could make the difference in your price range and what you are qualified for as well as staying in your comfort zone for payments. There's a difference with property tax payments for condos vs. single family as well as homeowners insurance; which in most cases is included in the maintenance fees for condos/townhouse associations (with the exception of the inside of your unit).
- What kind of timeline are you on? With most of my Hawaii Relocation clients we make sure to have all in place before they arrive. We have showing appointments set for the day after arrival and in contract within the first few days. A Hawaii VA Loan transaction is taking a little longer due to a backlog of appraisals and can take up to 4-5 weeks. A Short Sale can take longer for a bank approval ...and then starting the process.
If you narrow down certain aspects and criteria for a home it makes it smoother for you, your agent and your loan officer for your Hawaii Home Search.
Be proactive in your Hawaii Relocation and Hawaii Home Buying Experience.
There's Really No Need to Pull Your Hair Out!
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Celeste "Sally" Cheeseman is a Realtor-Associate with Century 21 Liberty Homes in Mililani, Hawaii. With a sharp understanding that a listening ear is the key to a client's needs she serves the island of Oahu (Honolulu County) and all Hawaii Military Relocating to Hawaii, Hawaii Retirees, Hawaii Job Transfers and Hawaii Residents. Website: www.hawaiihomesmarket.com
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Great points to have a potential buyer review and maybe even give them a copy to keep! Really would make a nice insert in a buyers package!