Advice For Buyers
so many aspects involved in the purchase of a home that buyers
can often be left very confused by the whole experience. That's
why it is so important to have a real estate professional who
can walk you through each step and address your questions along
the way. As a certified REALTOR and owner of Century 21 Homefinders
of Hawaii I always ensure that buyers are comfortable with
the experience and fully aware of the options available to
them. For your convenience, I've provided the basic steps of
home buying below, but I encourage you to contact me for a
thorough explanation of the home buying process.
Step 1: Determine Your Needs
The first step is obviously prioritizing your purchasing considerations.
These include, the features you desire in a home, the locale
and the available education institutions. As a local specialist,
born and raised on the Island, I can assist you by providing
you with a free market analysis and invaluable assistance in
narrowing down your choices by providing the latest market trends
and local information like neighborhood
Step 2: Determine The Mortgage
Now that you have established your ideal home parameters, you
need to determine how much you can afford. Once you have established
a realistic loan amount you need to be pre-approved for your
maximum loan amount. A pre-approval status can be instrumental
in the negotiation process by giving you a competitive advantage
over other offers. For more information, speak with local mortgage
lenders, like Aloha
Step 3: Begin Searching For Your Perfect Home
Now that you have approved financing, begin searching for your
dream home online. You may visit our Listings page to view many
homes available in Oahu or
access our Hawaii Dream Home Finder to
narrow down your search.
4: Contact Century
21 Homefinders of Hawaii Once
you have gotten an idea of the area and the homes you prefer,
it is time to contact me to arrange visits and walk-throughs.
Step 4: Negotiate
This is perhaps the most difficult and unpleasant part of the
process. To expedite and smooth the process it is important to
understand both your purchasing considerations, and the selling
considerations of the seller. Each seller places different emphasis
on timing and pricing. Understanding the seller will be essential
to a successful negotiation.
5: Inspection & Insurance
Once your offer has been accepted, the offer becomes a binding
legal document. You will now need to coordinate some home inspections,
attain homeowners insurance and finalize the mortgage. As the
owner of Century 21 Homefinders of Hawaii I can help explain
the details, and your real estate attorney can provide counsel
on title issues and title insurance.
The purchase contract can be written to include a contingency
for any repairs needed on the property or related items that
the seller must take care of before closing. If these items are
not dealt with, and you have such a clause in your contract,
you can delay or possibly cancel the closing. If it's not stated
in the contract, you could face losing your deposit. There may
also be costly legal implications stemming from backing out of
An "inspection contingency" is always a good idea because
it protects you as a buyer by allowing you to cancel closing
on the deal if an inspector finds serious problems with the property.
You will usually have the right to choose the inspector (and
be responsible for paying for the inspections). You should consider
inspections for structural soundness, insects, environmental
hazards such as asbestos or radon gas, etc.
Contingency clauses usually satisfy the concerns of both the
buyer and the seller. Buyers also can protect themselves by inserting
additional necessary contingencies. You can indicate which items
like curtains and appliances are to remain with the house and
then stipulate that you have the right to personally inspect
the home 24 hours before closing to make sure all is in order.
Step 6: Closing
Ensure that all the paper work including mortgage, titles and
insurance are complete. Once the property is officially yours,
you may want to consider a few things before you move in. These
items include arranging for an alarm system, turning on the electricity
and phone, connecting to cable, cleaning or replacing the carpet,
etc. This is also a good time to make some needed renovations
such as interior painting. Century 21’s program Century
21 Connectors offers new homebuyers great offers with
industry-leading companies on home services, transportation and
temporary housing, and various financial and real estate services.
Contact Century 21 Homefinders of Hawaii to view the special
offers available in you area.
I Can Help
Century 21 Homefinders of Hawaii Customized Home Search System
for Buyer Representation is designed to provide you with a
full service, anxiety-free real estate experience. As owner
premier real estate agency, I will deliver a level of service
unmatched in the real estate industry.
answers all of the questions and concerns that buyers are challenged
with when purchasing a home. Let Century 21 Homefinders of
Hawaii show you how easy your real estate purchase can be in:
- Waipio Gentry
the CENTURY 21® Customized Home Search System, Century
21 Homefinders of Hawaii can offer proprietary marketing tools
to provide you with superior service when purchasing your home.
21® Internet Marketing Program
21® Buyer Service Pledge®
21® Quality Service Survey
21® Recreational Properties (SM)
21® Fine Homes & Estates (SM)
office today and I will answer your questions, provide professional
advice, and handle all the details for you. Like you,
today's consumers want comprehensive services from their real
estate professional. As a knowledgeable and experienced
real estate professional I offer the services you want and
the peace of mind you deserve.
- Mortgage Services
and Legal Services