Recent Articles
4 Tips to Navigating a Seller’s Real Estate Market
Buying a new home can be a daunting task for many, especially if it’s your first. These days, people are in what’s called a “seller’s market,” which basically means there are less homes than people looking for homes. Because of this, sellers tend to be very discerning when it comes to who purchases their home. Here are a few tips to help you stand out from the rest of the buyers:
Published on 04/23/2025
5 First-Time Homebuyer Tips for Finding the Best Mortgage Lenders
Taking that leap from being a renter to a homeowner is an amazing but also nerve-wracking decision to make. Being a homeowner is just one of life’s milestones that mark the beginning of a new chapter in your life. This is why finding the right mortgage lender is that much important. For first-time homebuyers, the following tips can help you find a trustworthy and competent mortgage lender in Ewa beach.
Published on 04/23/2025
5 Relocation Tips When Moving to Hawaii for Military Service
Sandy beaches, turquoise waters, and friendly locals. These are the common reasons why people move to Hawaii. Hawaii is a beautiful palace with eight main islands. Although it’s not geographically located in America, it is a US state. Have you received a Permanent Change of Station (PCS) to this tropical paradise? If you have, then you must be both scared and excited. Luckily, we will give you five tips for a successful move to military life in Hawaii.
Published on 04/23/2025
A First-Time Home Buyers’ Guide to Mortgage Prequalification
As a first-time home buyer, you may already know that making good financial decisions can advance your plans. It can even address your needs and preferences more effectively and for a long time. Fortunately, if you look into getting a mortgage prequalification, you can explore even more opportunities to finance your housing plans and become more financially secure. To further consider this, use this article as your guide to easily get through the process.
Published on 04/23/2025
3 Myths Surrounding Buying a Home in Ewa Beach, Hawaii
Hawaii is an incredible place to live in because of the fantastic beaches, hiking trails, and its beautiful mix with the urban lifestyle. In Hawaii, you can be strolling down a city filled with buildings and end up instantly by the beach. The best part is the climate is the best all year round, so if you’re not a fan of brutally cold winters, this tropical paradise is the place for you! However, many people might have discouraged you from moving to Hawaii for many reasons. They might say it’s too expensive to live there, or that you’ll never get a great deal on a mortgage for a big-enough house. There are many myths shrouding the homebuying process in Hawaii, and here’s what you need to know about various Ewa Beach home loans and other facts of the matter:
Published on 04/23/2025
3 Reasons That Will Convince You to Move to Hawaii
For those that have been living in the same city for the majority of your life, you might sometimes wonder what it’s like to relocate somewhere else and start over a new leaf. If you aren’t satisfied with where you live anymore, you could consider moving to a better place—like Hawaii! The island of Hawaii is famous worldwide for having a sunny disposition all year round. It’s where you can find yourself throwing on t-shirts, shorts, and swimsuits 24/7 without worrying about experiencing the cold weather. Apart from having the perfect climate and inspiring a better lifestyle, it’s a place where families and individuals can live their best life and appreciate Mother Nature in all its glory. If you’re a first-time homebuyer, you could look into Hawaii’s real estate and discover what the island has to offer. Keep reading below to find out why Hawaii’s weather can convince you to move to the island right this minute.
Published on 04/23/2025
Understanding VA Loans: 5 Restrictions You Should Know About
It's important to remember that loans involve more than just the initial payment, which is why potential homeowners need to understand the consequences and limitations of financing choices. Since it's famous for being a $0 down payment mortgage option, it's not uncommon for eligible applicants for VA loans to overestimate the potential benefits they will receive.
Published on 04/23/2025
5 Factors to Consider Before Buying a Leasehold Property
Back in the 1960s, Hawaii introduced what is known as a "leasehold property" to make owning real estate much more accessible and affordable for the general public. This type of property is a little different than the traditional way of owning a property. For instance, fee simple ownership indicates that the property owner is responsible for all the property, including the land. Under leasehold properties, only the property is leased to the owner under specific terms, while the land it sits on still belongs to someone else. Before you go and purchase a leasehold property, it’s best to know more about it to ensure that you get a good investment. Here are a few things you need to consider:
Published on 04/23/2025
Get Your Facts Straight About These 3 Jumbo Loan Myths
Jumbo loans sound daunting to homeowners as people often associate this mortgage with luxury real estate properties, but you should feel intimidated since it’s only part of the many benefits it offers. In essence, jumbo loans are designed for borrowers who need an amount that goes beyond the allowable limit in conforming mortgages. However, you don’t need to be on the hunt for the next best mansion in town to consider a jumbo loan. The myths surrounding this feasible loan product can make people feel stuck in a rut; that’s why we’re here to clear any misconceptions that may prevent homebuyers from exploring different possibilities with their loan options.
Published on 04/23/2025
What Is a Jumbo Loan and Do You Actually Need One?
For many of us, a conventional loan or similar gives us enough money to fund a home. However, for a handful of people, the loan limits might be just a little too low. If you feel this way, then we recommend looking at jumbo loans. As the name implies, these loans allow you to borrow a lot more money than a conventional loan. However, it does not come without challenges. If you wonder what exactly a jumbo loan is and whether you need one, you are in the right place.
Published on 04/23/2025
What You Need to Know about VA Loan Limits in 2021: Our Guide
If you are a veteran or active duty member of the armed forces, you can take advantage of VA loans. For instance, you can use it on mortgage loans in Ewa Beach to move into a home in Hawaii without any down payment. A VA loan limit is a monetary cap that refers to the maximum amount you can borrow from the Department of Veterans Affairs to purchase or refinance your home without making a down payment. Last December 2020, the Federal Housing Administration announced that the mortgage limit would increase to conforming VA loans in 2021. Understanding mortgage loan limits can help you learn more about your benefits and enjoy them to the fullest. Use this guide to learn more about VA loan limits this year.
Published on 04/23/2025
A Weekly Overview of Closing a House: A Homebuyer's Timeline
Many homebuyers don't know that closing on the house can take a lot of time, and you can't just move in right away. You may get a bit frustrated, especially when you don't know the process. But you should know that this time is necessary to avoid any miscommunications and mishaps with the seller and so that you have enough time to finalize your mortgage. Thankfully, there are experienced mortgage brokers in Oahu who can assist you in this whole process. Understandably, dealing with finances and the pressures of closing the deal can be a handful to most. Working with the right mortgage broker can help lift off some of the weight from your shoulders. If you're currently closing a house, it might help to know what goes on in a home buyer's timeline to put your mind at ease during this process. If you're curious, stick around because here's a weekly overview of what goes on when you're closing a house.
Published on 04/23/2025
All About the New Conforming Loan Limit In 2021
Hawaii is one of the dream destinations for many people. Life by the beach, great climate, and good old America make it the perfect place to settle down and live life. Everyone loves the idea of being in the tropics and having beautiful scenery around on a day-to-day basis. With the real estate industry booming in Hawaii, there is good news for most people who wish to find a home in this beautiful place. You might have known that the Federal Housing Administration (FHA) has its set limits on conforming loans, which have various values depending on the state at hand. Hawaii and Alaska are one of the more expensive states, but don’t let this get you down about your hopes and dreams about buying a home. In fact, Ewa Beach mortgage companies are ready to get you ahead on the buying process.
Published on 04/23/2025
How to Choose Between Renting or Buying Your Next Home
Whether you’re a first-time home buyer in Ewa Beach or you’re moving into your next home within the area, you’ll always be faced with the following question: should you rent or buy? Renting seems like the no-nonsense answer, but changes in the market have contributed to steadily rising rental rates. However, mortgage rates are quite low right now—which gives many aspiring homeowners the chance to take out a home loan for a less expensive cost. Choosing to rent or buy a home will ultimately depend on your current situation and plans for the future, so by taking the time to assess your situation, you’ll have a better idea of how to proceed. Here are some things you may want to consider before finalizing your decision to continue to rent or buy a home:
Published on 04/23/2025
What to Consider When Buying a Home for Remote Workers
Many businesses worldwide have shifted all their operations to digital platforms and transitioned their teams to remote work, particularly during the global pandemic. If you have a similar work setup, your home should be more than just a place where you can relax and have fun. This must be a spot where you can work remotely in peace and comfort. Investing in a high-quality residential property is essential, especially if you’re a remote worker. Here are some factors you should consider when choosing the ideal housing situation to accommodate your remote career:
Published on 04/23/2025
Portfolio Loan: What It Is & How It Helps You Purchase a Home
There is nothing more fulfilling than finally owning your dream home, and when it comes to this, getting a mortgage is the most viable solution to help your efforts. Whether conventional or non-conventional loans (FHA, VA, or USDA), you can seek funding from a potential lender to finance your property. However, not all owners have the financial resources to keep up with the monthly contractual payments (MCPs) and pay off the loan when the term expires. This is where a portfolio loan option comes into the picture. In this article, we’ll share with you what a portfolio loan is and how it will help you buy your dream house:
Published on 04/23/2025
A Look Behind the Scenes of Home Prospecting
Every step of the homebuying process demands a balance between preparation and flexibility. As with any long-term decision, you’ll want to take each step as seriously as you did the preceding one. Prospecting is among the most exciting stages of homebuying—but you won’t want to tunnel-vision on structures that don’t quite justify the mortgage price or repairs that may end up costing you more than you can afford. Here are a few methods of streamlining the prospecting phase to the best of your ability.
Published on 04/23/2025
Why the Housing Market Isn't Crashing in 2025
Discover why the housing market isn’t crashing in 2025—and why now might still be a smart time to buy. Learn about market stability, lending trends, and how equity protects today’s homeowners.
Published on 04/23/2025
How Are Property Taxes Calculated? Here’s What Homebuyers Should Know
Learn how property taxes are calculated, what factors impact them (like land value and zoning potential), and how to budget smart as a homebuyer in 2025.
Published on 04/16/2025
Southern Housing Markets Offer New Opportunities for Homebuyers
Explore how southern U.S. cities like Miami and Memphis are becoming more accessible to homebuyers due to increased inventories and price reductions.?
Published on 04/09/2025