Or you can just call the #1 Loan Officer in Hawaii and get all the information you need for home loan approvals.
Check us out at https://jeffhoward.mannhawaii.com/ or http://www.facebook.com/jeffhowardhomeloans
I've had a book published on Amazon called Buying a Home: Don't Let Them Make a Monkey Out of You. It'll be the best $6 you've ever spent. Follow the link below.
Best of luck!
Being a first time home buyer can be an exciting and daunting experience. Your first stop is to find a Realtor and a Lender you feel comfortable with. Once you've done that it's time to get pre-qualified. This will require you to answer a few questions about your finances and credit history. The next step is pre-approval which typically requires you to give proof of the same (w-2's for the last year or two, bank statements, work pay stubs etc). While this is happening your Realtor should have already spoken to you about what you want/need/desire and should be sending you properties on market and new ones added daily that might fit.
Once you're pre-approved it's time to go shopping! You're agent has been sending you a range of properties but now you have our maximum price range and you can narrow the field. You're Realtor will then book your showings, explain terms like "shortsale" and "CPR" and answer any other questions you have. Once you find the property that excites you enough to make an offer, your agent and you should sit down and write up a contract.
More happens after that point but when you're in escrow your lender, agent and escrow officers are all looking out for you and keeping you informed on what is needed and when.
I have two loan officers I like to work with for my first time buyers and I would be happy to give you their information and speak with you about what it is you're looking for. Let me know if I can be of any assistance.
A House-SOLD Name!
Bob Vieira Realty, LLC