-  FIRST TIME HOMEBUYERS  - 

• Pre-Qualification: Meet with a mortgage broker and find out how much you can afford to pay for a home.
          
• Pre-Approval: Sellers will be much more receptive to potential buyers who have been pre-approved. You'll also avoid being disappointed when going after homes that are out of your price range. This way the seller knows immediately that you are a serious buyer for that property. Costs for pre-approval are generally nominal and lenders will usually permit you to pay them when you close your loan.
        
• List of Needs & Wants: Make 2 lists. The first should include items you must have (i.e., the number of bedrooms, a one-story house, etc.). The second list is your wishes, things you would like to have (pool, den, etc.) but that are not absolutely necessary. Realistically for first-time buyers, you probably will not get everything on your wish list, but it will keep you on track for what you are looking for.
          
• Representation by a Professional: Consider hiring your own real estate agent, one who is working for you, the buyer, not the seller.
              
• Visulize the house empty & with your decor: Are the rooms laid out to fit your needs? Is there enough light?
• Be Objective: Instead of thinking with your heart when you find a home, think with your head. Does this home really meet your needs? There are many houses on the market, so don't make a hurried decision that you may regret later.
• Be Thorough: A few extra dollars well spent now may save you big expenses in the long run. Don't forget such essentials as:   
  
      1.  Include inspection & mortgage contingencies in your written offer.
      2.  Have the property inspected by a professional inspector.
      3.  Request a 2nd walk-through to take place within 24 hours of closing.
  
  To learn more about the benefits of "First Time Home Ownership" and available homes, contact Peter and Patricia Anderson. Their personal and professional knowledge of Oahu and this extraordinary community, the lifestyle and all of the available properties is unsurpassed ? rely on this exceptional team to find your dream home.
  
                      Click on "CONTACT US" for Additional Information