Select Your Realtor® and Establish a Working Relationship - I am a full time, professional Realtor®, and a member of the National Association of Realtors®. As such, I subscribe to a strict code of ethics in my dealings with my clients and other real estate professionals. I have a team of experienced professionals, who will work with me to provide you with the best service possible. Our goal is always to make your transaction go as smoothly and comfortably as possible.
Evaluate Your Needs and Your Resources - I will meet with you to discuss your specific needs in a home and analyze your resources. I will work closely with you to find the right home for your needs.
Loan Consultation - I will provide you with guidance in finding a financial institution, and support you in obtaining information on available financing options. As the purchase of Hawaiian real estate may be a very different process than you have experienced elsewhere, it is recommended that you use a lender licensed in the State of Hawaii. I can provide you a list of loan consultants, who can help you determine a realistic range of affordability and can provide you with a letter of pre-qualification, expediting the purchase process. A Hawaiian lender will also be aware of the timing for the Valid Funds process, and limitations on Recordation.
Market Education, View Properties and Select a Property - I will research available properties, and show you homes based on the criteria that we establish. As we view different homes we will reassess your criteria for a home. The more precise and direct you are with me, the more successful your search will be.
Structure an Effective Offer - Once you have found the home that you wish to purchase, I will do all the necessary research to help you structure an effective offer. I will draft the purchase agreement for you, advising you on protective contingencies, customary practices, and local regulations. Although I will give advice and information, it is your decision as to the exact price and terms that you wish to offer.
Present Your Offer - I will present your offer to the seller and the seller’s agent. The seller has three options – to accept, reject or counter. My personal knowledge of your needs and qualifications will enable me to represent you in the best way possible.
Respond to the Seller - I will review the seller’s response with you. If the seller has countered your offer, you will have the option to accept, reject, or counter. My negotiation skills will benefit you in reaching a satisfactory agreement.
Open Your Escrow - When the purchase agreement is accepted and signed by all parties, I will open escrow for you and your earnest money will be deposited. The escrow or title company is a neutral third party that will receive, hold, and distribute all funds associated with your transaction.
Remove Contingencies - Prior to closing, all of the contingencies of the Purchase Agreement must be met. I will coordinate the removal of these contingencies and review all documents with you. Typical contingencies include:
- Approval of the seller’s transfer disclosure statement
- Approval of the preliminary title report
- Loan approval, including an appraisal of the property - Physical inspections of the property
- Pest inspection and certification
- Acquisition of homeowner’s insurance
Close Escrow - When all of the conditions of the purchase agreement have been met, you will sign your loan documents and closing papers. You will deposit the balance of your down payment and closing costs to escrow, and your lender will deposit the balance of the purchase price. This deed will then be recorded at the County Recorder’s office and you will take ownership of your new home!
