“Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do. So throw off the bowlines, sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.” - Mark Twain
Its very important to know your credit score and obtaining a recent copy of your credit report. You want to make sure all the information listed on your report is accurate and work to correct any mistakes. The higher your credit score, the more likely you will be to receive a better interest rate for your mortgage, which will translate into more ‘home for your money.’
Many potential buyers believe that they need a 750 FICO® Score or higher to be able to purchase a home. The truth is that according to Ellie Mae’s Origination Report, over 53% of loans were approved with a FICO® score under 750 last month!
Here are some tips for improving your credit score:
- Make payments, including rent, credit cards, and car loans, on time.
- Keep your
You may have heard the term "Maui No Ka Oi" - it means "Maui is the best" in the Hawaiian language. Here is a little history lesson for you - when visiting the islands, you may hear some of these terms.
Here are a few Hawaiian expressions like Maui no ka oi to learn during your stay!
Aloha kakahiaka – Good morning
Aloha ke akua – God is love
E komo mai – Come in, welcome
Aloha nui loa – Much love, fondest regards
Komo mai e noho – Come in, sit, rest
A hui hou – Goodbye, until we meet again
Malama pono – Take care, be right
Ke Akua pu a hui hou – God bless you and see you later
E pili mau na pomaika’I ia ‘oe – May blessings ever be with you
Ka makani ‘olu ‘olu – Refreshing, perfect wind
Mai ‘ai – Come and eat…
Memorial weekend…the unofficial start of summer. BBQ’s, picnics and family gatherings. During this weekend, be sure to take a moment to remember a Veteran who served to protect us and the great country.
Rates are down a touch this week as the 10-year treasury yields eased. Since it is Memorial Day, I wanted to remind you the benefits of a VA Loan.
- No money down
- Lender or seller credit for costs so Veteran brings in zero dollars to close
- Unlimited loan amounts. Did you know that? We just funded a $2 million VA loan.
- Higher qualifying ratios allowed.
- Detached condos don’t need to be approved by VA like regular condo projects
- A Veteran with a disability of 10% or more will not have a funding fee.
- A Veteran can you their