Getting pre-approved. This will help you know what price range you can afford. Remember, you can also set a mortgage budget that you are comfortable with as long as your approval is equal to or more than the budget you set.

That depends on how long it takes for you to find the right home and get an offer accepted. Once you are in contract, the average escrow is 30 days.

A REALTOR® is your most valuable asset when buying a home. They will walk you through every part of the home buying process. They will educate and inform you of all your options. They will represent you throughout the transaction and beyond.

Nothing. In most cases, the seller pays the commission and the commission is split between the seller's agent and buyer's agent.

Generally loan institutions look for a minimum of 620, but there are programs offered by other agencies that may go lower depending on the circumstances. The lower the credit score the higher the interest rate.

Here's what you need to know! Home prices vary widely across the islands, with the median price around $1,050,000 on Oahu and about $500,000 on the Big Island. Factors like location, property type, and market trends play a big role. Whether you’re seeking urban convenience in Honolulu or a serene retreat on Kauai, Hawaii offers diverse options. Ready to find your dream home? Contact us today to start your journey! More info

Conventional loans are usually require a 20% downpayment. There are programs that offer as low as about 3% down. Your loan officer can help advise you on your best options.

The downpayment is usually the largest cost associated with buying a house. Lending fees are the second largest costs to homebuyers. Most lenders will charge between 2% to 4% of the loan amount for loan origination fees, depending on the loan type. Conventional loans usually have lower loan origination fees, but require more money down. Your loan officer will be able to help you determine how much you can expect to pay towards loan origination and closing cost.

The seller makes a choice as to which offer they want to accept. Your agent can help you set yourself up for success and put your best foot forward.

Simply, eXp was chosen as the name by eXp World Holdings Founder and CEO Glenn Sanford and other leaders who started the company in 2009 because it is the prefix for many words that represent values that eXp Realty stands for. For example, words like “excellence,” “exceptional,” “expectations,” “exposure,” “experts,” “exploration,” “expeditiously” and “experienced” are all positive words that support eXp Realty’s core values of integrity, community, service, sustainability, collaboration, innovation, being agile and lastly, fun!

🏠 Dreaming of owning a home in Hawaii? 🌺 While it's not typically cheap, understanding the factors that drive high prices and exploring financing options can make it possible. Median home prices are around $850,000, but there are affordable strategies to consider. Ready to make Hawaii your home? Contact us today to learn more! More...

Considering a 99-year lease in Hawaii? 🌺 Understand the ins and outs of leasehold properties before you buy! Own the building, lease the land, and know the terms. Ready to explore your options? Contact us today for expert advice! Continue reading...

🌺 Is Hawaii a good place to live? Enjoy stunning landscapes, a relaxed lifestyle, and rich cultural diversity! While the cost of living is high, the unique benefits can be worth it. More

💼 How much do you need to put down on a house in Hawaii? 🌺 It depends! While 20% is common for conventional loans, FHA, VA, and USDA loans offer lower or even zero down payment options. Read more Ready to explore your options and find the best fit? Contact us today! ✨

Do you own the land when you buy a house in Hawaii? It depends! With fee simple, you own both the house and land, but with leasehold, you lease the land for a set term. Understanding these options is key to making the right choice. Contact us today for expert advice! More info