Buying a Home

When buying a home, selecting a real estate agent is one of the most crucial decisions you will make. You'll find comfort in choosing me as your agent because I possess strong negotiating skills, have a broad understanding of Hawaii's real estate market, and can give you direct access to an established network of resources. My job is to make your home buying experience a smooth one.

Let's begin with an overview of the buying process:

Step 1: Initial Consultation
During our initial consultation, I'll gain a sense of your values, interests and priorities. It's of utmost importance that I understand exactly what your needs are so I can help you accomplish your goals. Together, we'll identify the features you are looking for in a home, and we'll work to narrow down the neighborhoods that best suit your lifestyle. I will also discuss the steps in the homebuying process and give you an update on the current real estate market.

Step 2: Obtaining Financing
It's important to understand your financing options. Working with an experienced mortgage consultant, we will be able to determine the amount of financing you can obtain. There are various loan options, and we can discuss which option works best for your situation:

• Fixed Rate Mortgage
• Adjustable Rate Mortgage (ARM)
• Government-assisted financing (FHA or VA)
• Seller-assisted financing

Financing will carry through the rest of the steps, culminating with the completion of escrow.

Step 3: Finding the Right Home
As we begin to search for your dream home, we'll take into consideration your time frame and select homes that meet your needs, including your financial parameters. You can use my site to search all listings for Oahu, Kauai, and the Big Island at your leisure. For even more powerful searching capabilities, sign up at PrudentialLocations.com for more property details, sold data, and automatic email alerts. Meanwhile, we'll begin visiting homes and critiquing them according to your objectives.

Step 4: Preparing an Offer
Once we find the right home and you've made your decision, we'll make an offer. As we prepare the offer, we will take into consideration your financial situation and determine an offer price. I will then submit your offer to the seller's agent.

Step 5: Reaching an Agreement with the Seller
Once we reach an agreement with the seller, you and I will work together to ensure that all the terms of the agreement are met.

Step 6: Protecting Your Interests
To ensure a trouble-free home purchase, I will obtain a written property disclosure statement from the seller. I'll also recommend that you obtain a professional inspection of the home. You and I will determine if a home warranty that covers major home operating systems and appliances is necessary. A preliminary title report will be ordered as well. Then you and I will do one final walk-through before closing.

Step 7: Completing the Escrow Process
The escrow process can be a complicated one, so I'll explain all the steps to you and answer any questions you might have. I'll work with the seller's broker to make sure they fulfill their responsibilities under the purchase agreement. I'll also help escrow move forward by staying in touch with the escrow officer, title officer, lender and others. All the while, I'll communicate with you on a regular basis so there are no surprises.

It may seem a little intimidating, but don't worry; you'll be in good hands. I will help you every step of the way. So let's get started! Simply click here and you'll be one step closer to buying your dream home.