Buying A Home

Where are you looking to purchase?

What kind of home are you looking to buy?

Roughly, how much is your budget?

Would you like help getting pre-approved for a loan?

How do you rate your credit score?

Is this your first time buying a home?

What Is Your Name?

Where should we send your list of matching homes?

What phone number should we use to verify your information?

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Buying a home is one of the biggest financial decisions you'll ever make. As a trusted mortgage broker, I am here to guide you through every step of the home buying process and help you achieve your dream of homeownership.

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I understand that every client has unique needs and financial goals. That's why I offer a variety of mortgage options tailored to your specific situation. From first-time homebuyers to seasoned investors, I have the expertise to find the right mortgage solution for you.

Home Buyer Checklist

1) Budget: Determine your budget and stick to it. This will help you avoid overspending and keep your search focused on homes you can afford.

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2) Mortgage Pre-Approval: Get pre-approved for a mortgage before you start shopping. This will give you an idea of how much you can afford to spend on a home and make your offer more attractive to sellers.

3) Location: Determine the location you want to buy in. Consider factors such as proximity to work, schools, public transportation, and amenities.

4) Type of Home: Decide on the type of home you want, such as a single-family home, condo, townhome, or multi-family home.

5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.

6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?

7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.

8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.

5) Size and Layout: Determine the size and layout of the home that will meet your needs. Consider factors such as the number of bedrooms, bathrooms, and living spaces.

6) Condition of Home: Consider the condition of the home you are interested in. Do you want a fixer-upper, or do you prefer a move-in-ready home?

7) Home Inspection: Have a professional home inspection done before you buy. This will help you identify any issues with the property that may affect your decision to buy.

8) Homeowners Association: Determine if the property is part of a homeowners association and review the HOA rules and fees.

9) Property Taxes: Review the property taxes for the home you are interested in and factor them into your budget.

10) Closing Costs: Factor in closing costs, which can include attorney fees, appraisal fees, and title insurance.

11) Homeowners Insurance: Determine the cost of homeowners insurance for the property you are interested in.

12) Moving Expenses: Consider the cost of moving and factor it into your budget.

Frequently Asked Questions (FAQs)

1. Do you work with clients outside of Hawaii?

Yes, we work with you outside of Hawaii and serve all of USA. We can do a fast video or phone call to help you get a loan from far away. We are so glad to help you out now.

2. What are the basic requirements to qualify for a mortgage in Hawaii?

To get a home loan in Hawaii, you need a good credit score, a steady job, and a down payment. Banks also look at your debt and income. The exact rules will vary by the loan you pick out.

3. How much down payment do I need for a home loan in Hawaii?

You need 3.5% to 20% down for most home loans in Hawaii. Normal loans need 5% to 20%, while an FHA loan asks for 3.5%. If you get a VA or USDA loan, you may pay zero down on a home.

4. What is the difference between a fixed-rate and an adjustable-rate mortgage (ARM)?

A fixed loan keeps the exact same rate and payment for the whole term. An ARM starts out with a lower rate, but it can go up or down later on based on the market. A fixed loan is safer.

5. How does my credit score affect my mortgage approval in Hawaii?

Your credit score sets your loan approval and rate in Hawaii. A high score gets you a low rate and great terms. A low score means you will have to pay much higher rates and fees for your new home.

6. What are the closing costs, and how much should I expect to pay?

You pay 2% to 5% of the home price in closing costs. These are fees you pay to close your loan. They pay for a home appraisal, title insurance, and the basic lender fees to set it all up for you.

© Copyright 2024 E Mortgage Capital, Inc.. All rights reserved

.E Mortgage Capital, Inc.

. - 1416824 | 92-1531 Aliinui Drive, Kapolei, HI. 96707

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Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov

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A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov