WooHoo! You have orders to your next duty station and it's all you've ever dreamed of.....going to that tropical paradise you saw on TV shows and the movies. It's a HAWAII PCS and RELOCATION for you and your family!
It's a magical mystical wonderland with fairies in the woods watching over you and fluttering from each exotic flower to the next. You can live on the beach in a grass shack and drink those Blue Hawaii drinks with the little umbrella in it in the evening while watching the sun set. The hula girls will automatically pop out of nowhere and start doing the hula dance on the beach while in the near distance the surfers are catching their last waves of the day.
ZAP! You awaken to the true reality of it all. You're being proactive in your search for a Hawaii Home or Condo and you don't know where to start. You know it's going to be hard looking for just that right Hawaii Real Estate Agent and Hawaii Loan Officer so just be aware of some myths and facts regarding your Hawaii Home Buying Process.
- Myth: The first Hawaii Realtor® you come across while searching the internet is your ‘lucky' pick ...therefore, that one just has to be the one who is going to fulfill all your needs. You fairy tale come true!
- Fact: Search the internet for Real Estate Agents that not only have a strong internet presence, but
have articles and information that know what they're talking about. Contact and interview a couple of the agents so you know if you will be comfortable with them and if they really know what they're talking about.
- Myth: You search for information on Hawaii VA Loans and it appears that all the websites you come across are loan officers who are seemingly working with the Veterans Administration. GONG!
- Fact: A VA Loan means that the Veterans Administration guarantees the lender a % should the vet default on their loan. They are not working in the VA Office. Make sure your loan officer is a seasoned loan officer who KNOWS the Hawaii Real Estate Laws and the Hawaii Real Estate Contract as well as their VA Guidelines for your loan.
- Myth: If the company has other ‘affiliated' entities (i.e. if it's a real estate company and they use a loan company that is based right in their office...or vice versa) in their office they must be good because they do it ALL. NOT!
- Fact: It's a conflict of interest to have real estate, loan company and escrow company that are all in the same office. The buyer is ENTITLED to have a separate entity for all and should not be pressured to use their affiliates. It's like having a loan officer /real estate agent (wears both hats) represent both sides in a transaction. How are they thinking in your best interests?????
It is in your best interests to know who you're working with and get the correct information before you start with your Hawaii VA Loan Process and Buying Your Hawaii Home or Hawaii Condo. There are many things to be aware of before jumping right in. Choosing the RIGHT Realtor® & Hawaii VA Loan Officer, & Hawaii Military Relocation Information may enlighten you just a bit more. Just know that being proactive WAY AHEAD of your scheduled Hawaii PCS will ensure you getting educated and finding the perfect fit for your Hawaii Home Buying with your HAWAII VA Loan Experience.
Note:
The 2009 Honolulu County VA Loan Limit is $783,750. (click here for OTHER 2009 COUNTY LOAN LIMITS) Using the table for your Honolulu County BAH Rates and my Hawaii Home Mortgage Calculator you can let the loan officer know what your budget is for a monthly mortgage. Just because you have great credit and qualify for x amount does not mean you want to afford those monthly payments.
For more information click on the following link to the VA site with their brochure>>>> What VA Does For the Home Buying Veteran
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Want the whole scoop about Hawaii Real Estate & Hawaii Military Relocations?
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Celeste "Sally" Cheeseman is a Realtor-Associate with Century 21 Liberty Homes in Mililani, Hawaii. With a sharp understanding that a listening ear is the key to a client's needs she serves the island of Oahu (Honolulu County) and all Hawaii Military Relocating to Hawaii, Hawaii Retirees, Hawaii Job Transfers and Hawaii Residents. Website: www.hawaiihomesmarket.com




For more information on the VA Loan Transaction Process, being proactive for your relocation and the Hawaii Housing Market:
Yesterday my daughter and I went to the Super Shopping Plaza. The NEX (Navy Exchange) at Pearl Harbor. The NEX back in 1967 was a single story old building with a couple of separate ones scattered around the Moanalua Shopping Center area and up the road from the Makalapa Gate- Pearl Harbor Navy Base.


Localism.com 

Well, back in the middle of May I wasn't too confident that a listing I had just put up
Then we get the listing in contract! It took the buyer who walked into the home and said, "This is the home for me! WooHoo!
My son was in the United States Navy and stationed aboard the USS Kitty Hawk air craft carrier based out of Yokosuka, Japan until the summer of 2006.
some credit. There is a criteria that the Lenders follow according to VA guidelines. (i.e. if you have NO credit you cannot obtain a loan. Get a gas card and credit card to establish credit. You DO have to show a history of payments). Your debt to loan ratio is also taken into consideration and part of the criteria. 




HOUSE HUNTING: Make arrangements with this Realtor® to give you information, send you a relocations packet and start you out with your online search for your Honolulu Hawaii Real Estate. Remember, Hawaii is not the same as the last time you were stationed here in back in 1975 and the change will shock you. We have many freeways, traffic, high rises and such. We may be more laid back but change is always inevitable with just so much buildable land.
MEDIAN HOME PRICES: During our home search online you may see a home that may interest you. I'll be sure to give you the median home price for that neighborhood. If it's way below the median price...well, it just may be too good to be true! If this is your first time to Hawaii we will cruise the different neighborhoods so you can get a feel for the community. We will also need to choose between condos, town houses and single family homes according to your price range. (which is determined by your conversation with your local lender who prequalifies you)
Area schools for your child who is in high school:
If you have not used your VA benefits for purchasing a home in the past (or even if you have once before but have sold that home) then you may want to discuss with the Loan Officer about using your VA guaranteed loan benefits.