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Home Ownership in Hawaii County : Real Estate Advice

  • All10
  • Local Info1
  • Home Buying5
  • Home Selling0
  • Market Conditions0

Activity 5
Annette  Law…, Real Estate Pro in Palm Harbor, FL
Mon Oct 20, 2014
Annette Lawrence answered:
Of course the fees are hidden!
Many important elements you must know is missing.

The funny thing is, you can have access to ALL the information.
But you CHOOSE to use entertainment websites, instead of professional websites to gather information.

IT is like complaining about the news you get on the John Stewart Show (satire).
John Stewart is not news it is entertainment.
Trulia is not a professional website, it is entertainment.

If you are about to make a real estate decision. you need to promote yourself to serious, professional tools.

Several HI agents have raised their hand to help you.
If you are serious, pick up the phone and call.
If you are not serious, use that contact link under their image.
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0 votes 10 answers Share Flag
dcoop777, Home Owner in Las Vegas, NV
Thu May 15, 2014
dcoop777 answered:
go with quicken loans they have such better service, banks are full of crap
0 votes 6 answers Share Flag
Steven J. El…, Real Estate Pro in Kailua Kona, HI
Sat Sep 21, 2013
Steven J. Ellison answered:
Although not unusual as the "APR" rate is often slightly higher the and quoted rate. That is an explanation that is best explained by your lender in any case.
I always recommend using lender that has been referred to you. You must have confidence in your lender for the process to be successful and as painless as possible. Good lenders will explain the process to you to try and eliminate surprises.
At some point you will be making a commitment to a lender. However that general only means that you are about to pay for a credit check ($25-$50)and appraiser($550-$700). Also you cannot lock in a rate until you have completed an application and have one through underwriting and approved.

Hope this helps a bit.
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0 votes 1 answer Share Flag
Cathy Pierce, Real Estate Pro in 96707, HI
Wed Sep 18, 2013
Cathy Pierce answered:
I have one more lender I love working with and she had this to say...

It depends on a few things:

1) we are able to provide a streamline refinance without an appraisal for VA loans or

2) we are able to provide a streamline refinance without an appraisal if the previous loan was sold to Freddie Mac or Fannie Mae prior to May 2009.

One would see if they are eligible for option 2 by going onto Freddie or Fannie's website and seeing if they currently hold the rights to their mortgage.

Let me know if there is anything else I can do!

Thank you,

Kelli Ishii
NMLS # 680577
Loan Officer
Honolulu HomeLoans, Inc. - NMLS # 314918
Direct: (808) 371-5711
Fax: (808) 675-5476
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0 votes 2 answers Share Flag
Lindylou, Home Seller in Hawaii County, HI
Sun Sep 15, 2013
Lindylou asked:
however the bank (BofA) saids it's really our 2nd home. I didn't realize I still had the home exemption on my former home which I had prior to marriage and is in only my name.I plan to have…
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