THREE EASY STEPS TO PURCHASING A PROPERTY
1. GET PRE-APPROVED FROM A LENDER - In today's market on Maui, it is necessary to see a lender PRIOR to shopping for a new home. Your lender will be able to verify your income to debt ratio, tell you your credit rating, suggest credit options, give you a pre-approval letter to accompany an offer, and of course, identify what your budget is for purchasing a home. You will need to provide your last 2 years income tax returns, verify the last 2 years of residency, verify your assets for the past 60 days and fill out a loan application.
2. FIND THE RIGHT PROPERTY - As an Accredited Buyers Representative, (ABR), and Short Sales Foreclosure Resource Certified, (SFR), I will assist you through the process of finding your Maui dream home or condo. I'll negotiate on your behalf to get you the best deal possible on the purchase of your property on Maui. Having lived in Hawaii for 23 years, I have an excellent working knowledge of the subdivisions and neighborhoods here on Maui.
3. CLOSE THE DEAL - If you have followed the steps above, these final stages of the home purchase should go smoothly. It is vital to adhere to all of the deadlines with the lender so that the loan closes on time. I will work with the escrow officer and guide you through the Maui Purchase Contract and Addendums, so that all of the contract contingencies are met and settlements are scheduled to be completed on time.
I will also include a free one year premier home warranty with every purchase. This will be my gift to you at the close of escrow. This one year comprehensive coverage will meet all of your homeowner needs and is a $475 value. For more details, please visit the Old Republic Home Protection website.