It is to your benefit to Get Pre-Qualified for a loan with a Hawaii Lender PRIOR to actually searching for property.   Doing so will let you know exactly how much of a loan you can qualify for.   This will save you time, headaches and dissappointments down the road.    Once you know the loan amount you qualify for, you will know your maximum price range.    Then, when you are seriously ready to search for your Kauai Dream Home, Condo or Land, you will be able to shop with confidence.    You will know your price range, shop your price range, and be all set to make a serious offer once you find your Kauai Dream Home, Condo or Land... 

When we find the Kauai Dream Home, Condo or Land you really want, it is important to have your Pre-Qualification Letter ready to attach to your Offer to Purchase.   It shows the Seller you are a serious Buyer and you have no intentions of wasting their time.   Having your Prequal Letter in hand may also give you an edge should there be multiple offers on a property.    

When purchasing property in Hawaii,  I highly recommend using a Hawaii Lender.   They are familiar with Hawaii law and the Properties here which makes for a smoother transaction.   Please contact me for a list of Lenders who can help you quickly.   Debbie Hill 808-639-3242.

Please complete the following information so we can help determine exactly what you qualify for.
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Adjustable - An Adjustable Rate Mortgage, or ARM, is a type of mortgage in which the interest rate is adjusted up or down, in accordance with current interest rate levels. The interest rates are tied to an economic index outside of your banks control, such as the Treasury bill rate. Your monthly principal and interest payment will fluctuate with these rate changes. Initially payments will be less than with a fixed mortgage, making this type of mortgage attractive to short-term buyers. Note: Inquire on the "cap", or maximum interest level your mortgage can reach, since it is possible for rates to raise significantly during the term of your mortgage.

Fixed - A fixed rate mortgage, on the other hand, uses both a fixed term (length of time) and fixed interest rate. At the start of the mortgage the rate and term are determined, and as a result the monthly amount for principal and interest payments remain constant for the duration of the mortgage. Fixed rate loans are more attractive to home buyers who plan on spending a long time in their home, or expect no major change in income.

Assumable - Sometimes homebuyers can find a loan which is "assumable." With an assumable loan, the current sellers lender is willing to transfer the existing loan to you, either at the previous interest rate or the current interest rate. Assumable loans are attractive to buyers because they usually require less paper work and less time.

DEBBIE HILL Broker/Owner<br />Call Me Anytime!DEBBIE HILL Broker/Owner
Call Me Anytime!

(808) 639-3242

Kauai Dream Homes
P.O. Box 223093
Princeville, HI 96722
REALTOREqual Housing OpportunityMLS

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