This Kahala home (MLS# 1100002) is currently available for $2,675,000
From National Association Realtors weekly report:
February existing home sales decline following sustained gains. Mr. Lawarence Yun, NAR, chief economist, experts an uneven recovery. He said, “Housing affordability conditions have been at record levels and the economy has been improving, but home sales are being constrained by the twin problems of unnecessarily tight credit, and a measurable level of contract cancellations from some appraisals not supporting prices negotiated between buyers and sellers.”
This is Hawaii Loa Ridge (MLS# 1103625) is currently available for $1,638,000
Under current “tight credit” conditions, buyers should look into loan availability as soon as they decide they want to buy. Despite very affordable mortgage interest rates, credit remains a challenge. Buyers should check their personal credit and mortgage availability in their area.
This is Hawaii Loa Ridge home (MLS# 1015065) is currently available for $3,875,000.00
The following tips are for buyers, especially first time buyers, for preparing to buy home:
- Paycheck—Buyer’s purchase price ranges are determined in part by their income.
- Two months’ bank account statements—Buyer’s lenders require proof of regular income and proof that the down payment money is your own.
- Two years of W-2 forms or tax returns—Banks want to see a stable, long-term income for the amount on which you pay taxes (attention: all business owners!)
- Update everything—Things change and because the time period between the first loan application and closing can be many months—even years (special in short sale) on today’s market. During the time between contract and closing, it’s not at all unusual for underwriters to demand buyers apply updated mortgage statements, checks stabs, and so on. It’s quite common for them to call your office the day before closing to request a last minute verification of employment.
- Gift letters—Buyers using gift money toward their own payment. The bank wants to be sure the gift came from a relative, and is their own money to give. They also want the relative to confirm in writing that it’s a gift, not a loan—a loan would need to be factored into your debt load.
Need more information of purchasing a home? Contact me, I’ll go through every detail of the purchasing process with you.
从æ¥è‡ªç¾Žå›½ç»çºªäººå会一周的房产报告ä¸ï¼ŒæŠ¥é“有关连ç»ä¸‰ä¸ªæœˆç¾Žå›½æˆ¿äº§é”€å”®å¢žé•¿ä¸€ç›´åˆ°äºŒæœˆä»½æˆ¿äº§é”€å”®ä¸‹æ»‘æ¥çœ‹ï¼Œä¸»è¦çš„åŽŸå› : 一是房贷紧缩,二是,买å–åŒæ–¹æ‰€è®¨è®ºå®šä¸‹çš„ä»·æ ¼ï¼Œé“¶è¡Œä¼°ä»·ä¸äºˆç¡®è®¤ï¼Œå› æ¤ï¼Œä¹°å–ä¸èƒ½æˆäº¤ã€‚
所以在这ç§å€Ÿè´·çŠ¶å†µä¸‹ï¼Œå¦‚果决定买房,买方就应当尽快找到贷款,虽然银行的利率是相当的低,但是,个人信用是关键。买方一定è¦æŸ¥éªŒè‡ªå·±çš„信用度和找到本地的贷款银行。
ä»¥ä¸‹æ˜¯å‡ é¡¹è¦ç‚¹å¯¹ä¹°æˆ¿è€…,特别是对第一次è´æˆ¿è€…有所帮助:
1.工资å•ï¼šè´·æ¬¾æ–¹æ ¹æ®ä½ 的月收入æ¥è®¡ç®—ä½ çš„éƒ¨åˆ†è´·æ¬¾é¢ã€‚
2.两个月的银行å˜æ¬¾å•ï¼šè´·æ¬¾æ–¹éœ€è¦è¯æ˜Žä½ é€šå¸¸çš„æ”¶å…¥å’Œä½ çš„é¦–ä»˜æ˜¯ä½ è‡ªå·±çš„ã€‚
3.两年的W-2 或者税å•ï¼šè´·æ¬¾æ–¹æƒ³çœ‹åˆ°ä½ 有éžå¸¸ç¨³å®šçš„ï¼Œé•¿æœŸçš„æ”¶å…¥ã€‚è°ƒæŸ¥ä½ åœ¨ç¨Žå•ä¸Šçš„所有的收入æ¥æºï¼ˆç‰¹åˆ«æ³¨æ„:对有公å¸çš„业主)。
4.所有æ供的å•æ®éƒ½è¦ä¸æ–çš„æ›´æ–°ï¼šå› ä¸ºï¼ŒçŽ°åœ¨æˆ¿äº§ä¹°å–市场已ä¸æ˜¯ä»¥å‰çš„ï¼Œä»Žä½ ç”³è¯·è´·æ¬¾åˆ°äº¤æ˜“ç»“æŸæ˜¯å¥½å‡ 个月,有的甚至是一年(尤其是short sale),所以对贷款方的决ç–人æ¥è¯´ï¼Œåœ¨äº¤æ˜“å³å°†ç»“æŸä¹‹å‰ï¼Œä»–è¿˜ä¼šè®©ä½ æä¾›æœ€æ–°çš„ä¸Šè¿°æ–‡ä»¶ï¼Œç”šè‡³ä¼šç»™ä½ å…¬å¸æ‰“电è¯ï¼Œç¡®è®¤ä½ 是å¦è¢«é›‡ä½£ã€‚
6.亲戚或父æ¯èµ é€çš„æ¬¾é¡¹ï¼šä½œä¸ºé¦–ä»˜çš„èµ é€æ¬¾é¡¹ï¼Œè´·æ¬¾æ–¹éœ€è¦èµ é€æ–¹ç¡®è®¤è¿™ç¬”é’±æ˜¯èµ é€æ–¹è‡ªå·±çš„钱,给予è´æˆ¿è€…,而ä¸æ˜¯ç§äººè´·æ¬¾ã€‚å› ä¸ºè´·æ¬¾ä¹Ÿè¦è®¡ç®—到è´æˆ¿äººçš„支付能力上的。
如有更多有关买方的事宜的问题,请予我è”ç³»ï¼Œæˆ‘ä¸€å®šå¸®åŠ©ä½ ä»¬é¡ºåˆ©å®Œæˆæ¯ä¸€ä¸ªè´æˆ¿æ¥éª¤ã€‚
Leave your opinion here. Please be nice. Your Email address will be kept private, this form is secure and we never spam you.