Oahu Real Estate Market Update April 2019
Inventory rises as sales pace eases on Oahu in March — good news for buyers The Honolulu Board of Realtors® this week reports fewer homes...
Your Savings and Down Payment
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...
Which ARM is the Best Alternative?
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...
Where Does the Money Come From for Mortgage Loans?
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...
What's a FICO®?
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...
Types of Mortgage Lenders
MORTGAGE BANKERS Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold...
The No-Cost Thirty Year Fixed Rate Mortgage
There really is no such thing as a no-cost mortgage loan. There are always costs, such as appraisal fees, escrow fees, title insurance...
The Biweekly Mortgage - Who Needs It?
Have you received an advertisement offering to save you thousands of dollars on your thirty-year mortgage and cut years off your...