Posted by Earl Tsuneyoshi // October 2, 2015
If you were looking to buy a home, which type of mortgage would benefit you the most What are the best home loan programs available? Should you consider ARMs, fixed rate loans, or something else? The following should help you answer all of these questions, and more: Truth be told, the best mortgage available is […]
Posted by Earl Tsuneyoshi // September 25, 2015
If you’re behind on your mortgage and looking to stop foreclosure, home loan modifications may be a route you can consider. Home loan modifications can help you catch up on back payments without losing your home. When you’re behind on your payments, you should talk to your lender right away about one of these options: […]
Posted by Earl Tsuneyoshi // September 14, 2015
Oahu Homeowners, read the below article for the latest regarding Mayor Caldwell signing a bill to allow homeowners to build a rental unit on their properties: http://www.staradvertiser.com/news/breaking/20150914_Caldwell_to_sign_bill_allowing_homeowners_to_add_rental_unit.html?id=327465861&mobile=true
Posted by Earl Tsuneyoshi // September 9, 2015
Solar installation comes in two options: Buying and Leasing. In both options, the bottomline is that a homeowner is looking to lower their monthly electric bill. The following are the pros/cons to each: 1) Buying + Maximizes the financial benefits of installing solar + Once you pay off the system, you can get free electricity […]
Posted by Earl Tsuneyoshi // August 31, 2015
Short sales have saved many families from the pain of foreclosure. Of course, short sales aren’t just a tool for helping to stop foreclosure. You can use them in other situations when paying a mortgage just isn’t feasible any longer. If you feel that you may be in danger of foreclosure, working with your lender […]
Posted by Earl Tsuneyoshi // July 29, 2015
The foreclosure process that homeowners are finding themselves in today is stressful and frightening. Many may find that they have even fewer options now than they did a few months ago. While there are always new foreclosures being filed across the country, some homeowners have been procrastinating. Some thought help would fall out of the […]
Posted by Earl Tsuneyoshi // July 20, 2015
A residential property appraisal helps establish a home’s market value, or the likely sales price that the property would fetch if offered in a competitive real estate market. Whenever someone uses a home or other type of real estate as security for a loan, the lender will order an appraisal to be conducted by a […]
Posted by Earl Tsuneyoshi // July 15, 2015
PITI….During your home buying ventures you will probably hear this term used a lot. It stands for Principal, Interest, Taxes, and Insurance. Every loan includes principal and interest payments and those labeled PITI also include taxes and insurance. Property taxes and homeowners insurance payments can be paid in an annual lump sum. PITI means that […]
Posted by Earl Tsuneyoshi // July 7, 2015
Among all the paperwork involved with taking out a mortgage, it is very easy to let your mind wander and simply sign on the dotted line. But be careful, you should read through the loan documents. You have to ask about and also watch out for these hazards to your financial health in particular. Although […]
Posted by Earl Tsuneyoshi // June 30, 2015
Most mortgages do not limit prepayment of your principal, if you would like to pay twice the principal due each month, with the goal of paying off your loan early then you are free to do so without penalty. If rates fall and you would like to refinance to a better loan after a year […]