Posted on October 9, 2018 - 01:27 PM
by Mark Guagliardo
There are so many different kinds of homes out there for families to choose from. Do I want to live in Makawao? Or maybe you want to find a home in Makawao. How many bedrooms and bathrooms do you need? Do you need a large back yard? A small backyard?...
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Posted on September 18, 2018 - 01:27 PM
by Mark Guagliardo
Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next...
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Posted on September 18, 2018 - 01:27 PM
by Mark Guagliardo
How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not ha...
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Posted on September 18, 2018 - 01:27 PM
by Mark Guagliardo
In the olden days, when someone wanted a home loan they walked downtown to the neighborhood bank or savings & loan. If the bank had extra funds lying around and considered you a good credit risk, they would lend you the money from their own funds. It...
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Posted on September 18, 2018 - 01:27 PM
by Mark Guagliardo
What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is...
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Posted on September 18, 2018 - 01:27 PM
by Mark Guagliardo
Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside...
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Posted on September 18, 2018 - 01:27 PM
by Mark Guagliardo
There really is no such thing as a no-cost mortgage loan. There are always costs, such as appraisal fees, escrow fees, title insurance fees, document fees, processing fees, flood certification fees, recording fees, notary fees, tax service fees, wire fees...
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Posted on September 18, 2018 - 01:27 PM
by Hawaii Real Estate Team
Have you received an advertisement offering to save you thousands of dollars on your thirty-year mortgage and cut years off your payments? With email spam becoming more pervasive as everyone tries to get rich quick on the Internet, these ads are popping u...
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Posted on September 18, 2018 - 01:27 PM
by Mark Guagliardo
What kind of lender is best? If you ask a loan officer, “What kind of lender is best?” the answer will be whatever kind of company he works for and he will give you a list of reasons why. If you meet the same loan officer years later, and he ...
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Posted on September 18, 2018 - 01:27 PM
by Mark Guagliardo
An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property...
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