Coronavirus: Impact on the U.S. Housing Market
The Coronavirus (COVID-19) has caused massive global uncertainty, including a U.S. stock market correction no one could have seen coming. While much of the news has been about the effect on various […]
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2020: A Great Year for Housing
If 2019 was any indication, 2020 will be a relatively good time for potential homebuyers to make the transition to Homeownership. This is truly a great year for housing. Over […]
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A Look Ahead: The Housing Market in 2020
What’s in store for the U.S. Housing Market in 2020? With low interest rates, modest inflation, and a solid labor market, there are many reasons to be optimistic about housing […]
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Cheers to 2020!
As the year comes to an end, we’d like to thank our clients and business partners for your continued support throughout the years. Thank you for an incredible 2019 and […]
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Wishing you a Happy Holiday!
From our ʻOhana to Yours, May your holiday be filled with wonderful memories. Wishing you a Christmas surrounded by your loved ones! REMINDER: If you purchased your primary residence this […]
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Celebrating 75 Years of VA Home Loan Benefits – Thank you for your service!
This year marked the 75th Anniversary of VA Home Loan Benefit offerings through the Servicemen’s Readjustment Act, also known as the GI Bill. Since 1944, this law has created opportunities […]
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Buying Your First Home
We Understand. Becoming a homeowner can be a daunting process for anyone, especially young adults or those without experience making such a big purchase. If you are a First-time homebuyer, […]
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Assets & Reserve Requirements
Verification of Assets & Reserve Requirements on a Mortgage Application If you claim to have assets on a mortgage application, be prepared to verify them. Just what does that mean? […]
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Credit Score Requirements
One of the first things lenders look at when determining your eligibility for a home loan is your credit score. You don’t need perfect credit to qualify. When a lender […]
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Debt Ratios
The next most important factor are your mortgage debt ratios. Lenders look at your DTI to make sure that you have enough disposable income to cover the daily cost of […]
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Stable Income & Employment
No matter which program you choose, you’ll need to prove that you have stable income & employment. Lenders need to know that you can afford the loan beyond a reasonable […]
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Down Payment
Many people believe that buying a home is out of reach, as it will take years to save 20% for a down payment. Good news! Your down payment can be […]
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