Home Loan Basics

Whether you are a first-time home buyer, or just need a review, these basic actions and terms will help you get a better grasp on home loans and mortgages.

Being pre-approved isn't a promise that you’ll get a loan, but it can put more buying power into your hands. Essentially:

A mortgage pre-approval only means a loan officer has looked at your finances—your income, debt, assets, and credit history—and determined how much money you can borrow, how much you could pay per month, and what your interest rate will be. (Source)

Not only does this information strengthen your offer, having it can help you close a deal more quickly.


A fixed rate mortgage is exactly what it sounds like: a loan that stays the same…

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Happy Hour in Hawaii 

It’s always happy hour when you’re on vacation! But for those of us interested in the 3pm-5pm variety, here are some of Maui’s favorites:  

South Maui   

Where: Maui Brewing Company & Tasting Room 

When: 3:30-5:30pm and 9:30-11pm daily 

FYI: This is the actual site where the beer is brewed, very cool vibe.  

 

Where: Three’s Bar and Grill 

When: 3pm-6pm daily 

FYI: Check out their “sister” restaurant for lunch: Fork and Salad 

  

Where: Fabiani’s Bakery and Pizzeria 

When: 2pm-5pm daily 

FYI: Happy hour includes ½ pizzas!  

 

Where: Ko Restaurant  

When: 4pm-5pm daily 

FYI: Check them out for…

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Basic Real Estate Terms to Know 

Buying and Selling a home can feel intimidating, but it doesn’t need to be! In addition to selecting a great agent, becoming familiar with the following words and terms can help boost your confidence, and your knowledge in the field of Real Estate.  

Appraisal by Market Comparison 

A licensed appraiser provides an estimate of the property’s market value. It is a thorough examination and comparison of actual sales of comparable properties.  Banks use this when making loans to home buyers.  It is also used with refinancing, and for settling estate values upon death.   

Comparable Market Analysis and Comparables 

Often used as a guide for pricing a property, a comparable market analysis…

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Our Favorite Maui Coffee Shops

Whether you are looking for ambiance, an incredible roast, or pure efficiency out of your coffee provider, we’ve got some great suggestions!

Akamai

A local favorite, featuring 100% Maui Coffees, and a rotating food menu.

Located: Kahului, Kihei, and Wailea

Extra Points Awarded For: Having a drive-through option in Kahului and Kihei

Follow Them At: @akamaicoffee 

Vida by Sip Me Maui

Known for their signature “Vida Rosa Latte” and sweet treats, it’s a place you have to check out when strolling through Makawao.

Located: Makawao

Extra Points Awarded For: Being a great space (with WIFI) to work in.

Follow Them At: @sipmemaui

Maui Coffee Roasters

A Maui classic, their Coffee Club…

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Home Renovations That Offer the Best ROI: Hawaii Edition

Flooring

While new floors offer a strong ROI across the U.S., making the change from carpet to hardwood is a good idea in Hawaii. Perhaps it has something to do with how often us residents walk around barefoot!

Before:     

After:

Pictures source: https://www.mauimagazine.net/maui-condo- 1 

Garage Door Replacement 

Between curb appeal and functionality, upgrading the garage door can literally pay off. Before you panic at the thought of a big project: remember that if the door works fine, a good power wash and a fresh coat of paint can work wonders. 

Kitchen and Bathroom

Enhancing the kitchen and bathrooms are known for having a stronger ROI over bedroom remodels.…

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