Home Buying in Waianae>Question Details

eire02, Other/Just Looking in

In Hawaii, what is required for a first-time home buyer, i.e. documents etc. Where to start? Thank you for your help.

Asked by eire02, Wed Oct 9, 2013

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Start here with a local lender you can trust and that will actually close your loan...

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
0 votes Thank Flag Link Fri Mar 14, 2014
Jeff Howard is one of my favorite lenders - you should contact him.
Flag Fri Mar 14, 2014
Best place to start is to hire an Exclusive Buyer Agent. EBAs only work with homebuyers and there is never a conflict of interest that will jeopardize your negotiating position. Visit http://www.naeba.org for a referral to an Exclusive Buyer's Agent in your area.

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!

Alysse Musgrave
214-734-3863
Alysse@HelpUBuyAmerica.com
http://www.helpubuyamerica.com
0 votes Thank Flag Link Wed Oct 9, 2013
I think it's a great start that you're doing some research online. The next step is to align yourself with a Realtor and a lender that will work hard in your best interests. Realtors will often have lenders that they feel offer excellent service - I have about 5 that I really like, in different neighborhoods - some are great with VA loans, some are experienced with the MCC program (which is great for first-time buyers). This is really key - to work with a lender who can get you the best loan for you. You should also select an agent that likes working with first-time buyers (like myself) and who has the patience to go through the process and explain everything and who will look out for your best interests. First time buyers usually look at more properties to explore all possibilities, which I think is appropriate. You can search for homes at JustListedinHawaii.com and you can email me directly from this website and I'm happy to send my preferred lenders to you.
Aloha,
Cindy
0 votes Thank Flag Link Wed Oct 9, 2013
Hello Eire,

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.

Warmest Aloha,
Catherine Pierce
A House-SOLD Name!
Bob Vieira Realty, LLC
http://www.cathypierce.com
cathy@3pierces.com
808-352-0231
0 votes Thank Flag Link Wed Oct 9, 2013
Please go to my website, http://www.FerrariPacificRealty.com for the answers. You will probably require a whole lot more info than can be posted here. aloha
0 votes Thank Flag Link Wed Oct 9, 2013
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