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Hawaii Homes for Sale

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By Frank Diaz MBA/RA 808.723.0900 | Agent in Honolulu, HI
  • Federal Government Home Buying Programs

    Posted Under: Home Buying in Kaneohe, Financing in Kaneohe, Property Q&A in Kaneohe  |  March 27, 2012 6:57 PM  |  897 views  |  No comments

    Hawaii First Time Home Buyer – Federal Programs

    Federal Government Home Buying Programs

    Federal Housing Administration (FHA)

    For more info send an email

    FHA Loan for Purchase or Refinance on Principal Residence
    FHA loan is a federal assistance mortgage loan in the United States insured by the Federal Housing Administration. FHA loans have historically allowed lower income Americans to borrow money for the purchase of a home that they would not otherwise be able to afford.

    FHA does not make loans. Rather, it insures loans made by private lenders. The first step in obtaining an FHA loan is to contact several lenders and/or mortgage brokers and ask them if they originate FHA loans. As each lender sets its own rates and terms, comparison-shopping is important in this market.

    Potential lenders assess the prospective homebuyer for risk. The analysis of one’s debt to income ratio enables the buyer to know what type of home can be afforded based on monthly income and expenses and is one risk metric considered by the lender. Other factors, such as payment history on other debts, are considered and used to make decisions regarding eligibility and terms for a loan.

    Department of Defense
    Homeowners Assistance Program
    Homeowners Assistance Program (HAP) to eligible service members and federal civilian, including non-appropriated fund, employees. The program is authorized by law, and administered by the US Army Corps of Engineers (USACE) to assist eligible homeowners who face financial loss when selling their primary residence homes in areas where real estate values have declined because of a base closure or realignment announcement.  The American Recovery and Reinvestment Act of 2009 (ARRA) temporarily expands the HAP to assist service members and DOD employees who are wounded, injured or become ill when deployed, surviving spouses of service members or DOD employees killed or died of wounds while deployed, service member and civilian employees assigned to BRAC 05 organizations, and service members required to permanently relocate during the home mortgage crisis.

    Department of Veterans Affairs (VA)
    Loan Guaranty Program for Purchase or Refinance (aka VA Loan)
    A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs. The loan may be issued by qualified lenders and designed to offer long-term financing to American veterans or their surviving spouses. The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans purchase properties with no down payment.

    The VA loan allows veterans 100% financing without private mortgage insurance or 20% second mortgage. In a purchase, veterans may borrow up to 100% of the sales price or reasonable value of the home, whichever is less. In a refinance, veterans may borrow up to 90% of reasonable value, where allowed by state laws.

    VA loans allow veterans to qualify for loans amounts larger than traditional Fannie Mae/conforming loans. VA will insure a mortgage where the monthly payment of the loan is up to 41% of the gross monthly income vs. 28% for a conforming loan assuming the veteran has no monthly bills.

    U.S. Department of Agriculture (USDA)
    Direct Housing Loans
    The Rural Housing Direct Loan Program provides very low and low income families with financing tobuild, purchase, repair or refinance homes and building sites that meet local codes.  The home must be located in a rural community with less than 10,000 populations, on a farm or in open country not closely associated with an urban area. To determine USDA Property Eligibility, click here. Some of the eligible communities include Ewa Beach, Makakkilo, Kapolei, Waianae, Waipahu, Pupukea, Haleiwa, Laie, Hauula, Kaaawa, and Kahuku.

    Guaranteed Home Loans
    Single Family Housing Guaranteed Loans require no down payment and no monthly mortgage insurance and are loans made by approved mortgage lenders to qualified low and moderate-income individuals and families in rural areas.

    USDA Rural Development is expanding homeownership opportunities and affordability to homebuyers by providing lenders with loan guarantees that protect the lender from risk of loan loss. The lender passes the benefit on to the home buyer in the form of a loan requiring no down payment or mortgage insurance, limiting loan and closing costs, and offering favorable interest rates similar to conventional loans. The 2% loan guarantee fee paid by the applicant replaces mortgage insurance and is significantly lower than projected cost of monthly mortgage insurance.

    Eligibility: Applicants for loans may have an income of up to 115% of the median income for the area. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance. In addition, applicants must have reasonable credit histories.

    Home Improvement and Repair Loans and Grants
    The Home Repair Loan and Grant program provides loan and grant funds to be used to pay for needed repairs and improvements to dwellings of eligible very low income families living in rural areas with a population of 10,000 or less.

    Grant funds, which must be used to remove health and safety hazards, may be made to persons 62 years or older who lack repayment ability for a loan. Repair loan and grants may be used to remove health and safety hazards such as repairing roofs, heating, electrical and plumbing systems, water and waste disposal, installing screens, windows, insulation and other steps to make the home safe.

    Home improvement loans may include similar purposes but may also be used to modernize, add a room, remodeling and making overall improvements to the home.  The home must be owner-occupied.

    Self-help Housing
    The Mutual Self-Help Housing Loan program is used primarily to help very low- and low-income households construct their own homes. The program is targeted to families who are unable to buy clean, safe housing through conventional methods and want to build equity in their home.  Families participating in a mutual self-help project perform approximately 65 percent of the construction labor on each other’s homes under qualified supervision.
    FHA, First Time Home Buyer, HUD, VA 

  • Kaneohe Townhomes for Sale

    Posted Under: Market Conditions in Kaneohe, Home Buying in Kaneohe, In My Neighborhood in Kaneohe  |  March 17, 2012 1:51 AM  |  609 views  |  No comments

    See more city of Kaneohe real estate. 
    (all data current as of 3/17/2012)

    1. $1,029,000 : Mokulele Dr, Kaneohe
      Photo of Mokulele Dr, Kaneohe, HI 96744 (MLS # 1202148)
      4 beds, 3/0 baths
      Home size: 2,853 sq ft
      Lot size: 4,778 sq ft
      Year built: 2011
      Days on market: 21
      Walk Score®: 31
    2. $999,000 : Mokulele Dr, Kaneohe
      Photo of Mokulele Dr, Kaneohe, HI 96744 (MLS # 1202144)
      4 beds, 3/0 baths
      Home size: 2,853 sq ft
      Lot size: 4,778 sq ft
      Year built: 2011
      Days on market: 21
      Walk Score®: 31
    3. $579,000 : Wailele Rd, Kaneohe
      Photo of Wailele Rd, Kaneohe, HI 96744 (MLS # 1202823)
      2 beds, 2/0 baths
      Home size: 1,415 sq ft
      Lot size: 5.89 ac
      Year built: 1977
      Days on market: 3
      Walk Score®: 45
    4. $560,000 : 4644 Puulena St ,Unit 822, Kaneohe
      Photo of 4644 Puulena St ,Unit 822, Kaneohe, HI 96744 (MLS # 1202885)
      3 beds, 2/0 baths
      Home size: 1,361 sq ft
      Lot size: 38,551 sq ft
      Year built: 1979
      Days on market: 1
      Walk Score®: 80
    5. $525,000 : 46-078 Emepela Pl ,Unit F103, Kaneohe
      Photo of 46-078 Emepela Pl ,Unit F103, Kaneohe, HI 96744 (MLS # 1202256)
      3 beds, 2/1 baths
      Home size: 1,656 sq ft
      Lot size: 15.15 ac
      Year built: 1981
      Days on market: 17
      Walk Score®: 82
    6. $505,000 : Hako St, Kaneohe
      Photo of Hako St, Kaneohe, HI 96744 (MLS # 1202503)
      3 beds, 2/0 baths
      Home size: 1,401 sq ft
      Lot size: 32.77 ac
      Year built: 1973
      Days on market: 12





       Hawaii Homes  Kaneohe, Townhomes. 
  • Eden At Haiku Woods Townhouse

    Posted Under: Home Buying in Kaneohe  |  September 1, 2010 3:28 PM  |  1,533 views  |  No comments

    Eden At Haiku Woods Plantation Townhome

    46359 Haiku Rd B1 (Click for Map)

    Beautiful tropical setting/numerous upgrades! Granite counters, tile floors. Spacious floorplan/vaulted ceiling, built-in bookshelf. Jet spa tub in two bathrooms. Chandelier fans, bamboo blinds. Huge storage under stairs, 200+ SF. TWO covered parking. Jacuzzi/sauna/pool at rec area. 1mi to Windward Mall. Less than 2 miles to Likelike and H3 freeways. 4 miles to MCBH.

    Condo/Townhouse
    ML#: 1010809 Active
    List: $545,000 FS – Fee Simple
    TMK: 1-4-6-017-022-0013 Sub-Type: Townhouse PR#: 622
    Bldg: Eden At Haiku Woods A Mstr: 500449
    Addr: 46359 Haiku Rd B1
    City: Kaneohe HI Zip: 96744
    Regn: Kaneohe Neighborhood: HAIKU PLANTATION

    Inter Liv Ar: 1452 New Dev/Const: No Bedrms: 3
    Open Lanai: 120 Yr Built: 1976 Baths: 2 / 0
    Land SqFt: 345,605 Conversn Yr: Land Acres: 7.513
    Total Area: 1572 Remod Yr: Furnished: Partial

    #Pk: 2 Fractional: No Developer: Mon Maint: $511
    Stall#s: 124, 125 Flood Zone: D Model Open Days:
    Floor: 1 Mon Rental Inc: $ Model Site Contact: Mon Assn: $160
    Elevators: Site Contact Ph#: Other Mon Fees: $57

    Total Mon Fees: $728

    Assd Val Land: $34,300 Tax Year: 2009 Elem School: Heeia
    Assd Val Imprv: $502,400 Mon Taxes: $153 Middle School: King
    Assd Val Total: $536,700 Home Exemp: 0 High School: Castle
    Community Assn: Ph#:
    Management Co: Chaney Brooks Ph#: 544-1600

    Eden At Haiku Woods PHOTOS – click on them to see a larger photo

    Eden At Haiku Woods Townhouse

    Haiku Woods Entrance

    Kaneohe Townhome

    Master Bath Kaneohe Townhome

  • Pohakea Point Townhome in Kaneohe

    Posted Under: Home Buying in Kaneohe  |  August 4, 2010 7:43 PM  |  1,961 views  |  No comments

    POHA KEA POINT PHASE IV Kaneohe Townhomes

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    Full Report below. 

    Condo/Townhouse
    ML#: 1010224 SOLD
    List: $415,000 FS – Fee Simple
    TMK: 1-4-6-001-061-0023 Sub-Type: Townhouse PR#: 2233
    Bldg: Poha Kea Point 4-2 Mstr: 550057
    Addr: 46-065 Konohiki St 3653
    City: Kaneohe HI Zip: 96744
    Regn: Kaneohe Neighborhood: LILIPUNA

    Inter Liv Ar: 1093 New Dev/Const: No Bedrms: 3
    Open Lanai: 165 Yr Built: 1990 Baths: 2 / 0
    Land SqFt: 87,381 Conversn Yr: Land Acres: 1.900
    Total Area: 1258 Remod Yr: Furnished: Partial

    #Pk: 2 Fractional: No Developer: Mon Maint: $353
    Stall#s: 533,665 Flood Zone: X Model Open Days:
    Floor: 3 Mon Rental Inc: $ Model Site Contact: Mon Assn: $375
    Elevators: 0 Site Contact Ph#: Other Mon Fees: $

    Total Mon Fees: $728

    Assd Val Land: $38,500 Tax Year: 2009 Elem School: Heeia
    Assd Val Imprv: $507,300 Mon Taxes: $156 Middle School: King
    Assd Val Total: $545,800 Home Exemp: 0 High School: Castle
    Community Assn: Puu Alii Comm Assn Ph#: 235-0320
    Management Co: Hawaiiana Ph#: 593-6347
    Townhome at Pohakea Point

    Open Lanai Townhome at Pohakea Point

    Kaneohe Bay View Townhome at Pohakea

    Kaneohe Townhome at Pohakea Point

    Kaneohe Bay Townhouse at Pohakea Point

    Pohakea Point Kaneohe Bay Townhouse

    Pohakea Point Kaneohe Bay Townhome

    kaneohe townhome, kaneohe townhouse, poha kea point, pohakea
  • Kaneohe Duplex- Kaneohe Multifamily - Kaneohe land

    Posted Under: Home Buying in Kaneohe  |  July 29, 2010 11:09 AM  |  716 views  |  No comments

    47-726 Akakoa Place Kaneohe Duplex on 1/3 Acre

    6 Bedroom Duplex on 1/3 acre (fully usable) With Kaneohe Bay Views

    See full property description here   

    See map here. View Larger Map

       
    Investment opportunity in Kaneohe.

    6 Bedroom Duplex on 1/3 acre (fully usable) With Kaneohe Bay Views. See full property and map description here:
    http://www.hawaiihome.biz/47726-akakoa-pl-kaneohe-duplex-on-12-acre

    Many improvements – paint inside/out, roof (2006), most appliances <3 yrs old, flooring. Fruit trees in back (star fruit, orange, pomelo), macadamia nuts and bamboo. Yard professionally maintained. Left side (A)/garage, right side (B)/recreation room (with ceramic tile). $2200 rent on each side. Do not disturb tenants.


    ML#: 1    006165 Active List: $824,900* FS - Fee Simple
    TMK: 1-4-7-043-061-0000
    Addr: 47726 Akakoa Pl
    City: Kaneohe HI Zip: 96744
    Regn: Kaneohe Neighborhood: KAALAEA
    Roofd Liv Ar: 3,024 New Dev/Const: No Bedrms: 6
    Roofd Oth Ar: Yr Built: 1972 Baths: 4 / 0
    Garage SF: 624 Mon Maint Fees: $0
    Land SF: 15,348 Acres: 0.352 Flood: X Other Mon Fees: $0
    Zoning: 04 - R-7.5 Residential District



    Frank Diaz
    (RA) MBA, e-PRO, REALTOR®
    East Oahu Realty
    808.723.0900 cell
    808.791.2277 direct
    888.433.1931 fax
    http://hawaiihome.biz/
    kaneohe duplex, kaneohe ohana, kaneohe multifamily, kaneohe land

    Click on photos to enlarge.



    Kitchen A (left) side

    Living Room A (left) side

    Kaneohe Bay view from upstairs

    Fruit trees

    Master Bedroom A (left) side
    47-726 Akakoa Place Kaneohe Duplex on 1/3 Acre
    Kaneohe Duplex Lot Outline

    Kaneohe Duplex Lot Outline, lot extends all the way back, neighboring lots have obstructions

  • 47-726 Akakoa Place Kaneohe Duplex on 1/3 Acre

    Posted Under: Home Buying in Kaneohe  |  May 8, 2010 9:33 PM  |  623 views  |  No comments

    47-726 Akakoa Place Kaneohe Duplex on 1/3 Acre

    6 Bedroom Duplex on 1/3 acre (fully usable) With Kaneohe Bay Views

    See full property description here

    See map here.

    View Larger Map

    Many improvements – paint inside/out, roof (2006), most appliances <3 yrs old, flooring. Fruit trees in back (star fruit, orange, pomelo) and bamboo. Yard professionally maintained. Left side (A)/garage, right side (B)/recreation room (with ceramic tile). $2200 rent on each side. Do not disturb tenants (prefer to keep leasing if possible). Click on photos to enlarge.



    Kitchen A (left) side

    Living Room A (left) side

    Kaneohe Bay view from upstairs

    Fruit trees

    Master Bedroom A (left) side
    47-726 Akakoa Place Kaneohe Duplex on 1/3 Acre
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