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Yearly Archives: 2010

Gabe Amey
By Gabe Amey 31st October 2014 0 Comments

The Secret to Qualifying for a VA Loan Using Non-Veteran Income

It has been well documented that the VA Home Loan program is by far the most beneficial loan program available. Why? There are reduced closing costs, no down payment requirements, and no mortgage insurance requirements. Therefore, those who are eligible for a VA Loan have significantly less obstacles in their path to homeownership than anyone else.

How can the VA Loan program offer veterans such a smooth home buying route?

You see, mortgage companies, banks, and lenders have to follow the VA Department’s loan guidelines. These guidelines provide the loan guarantee if the veteran were to default on their mortgage. The loan guarantee ensures that the lending institution will get reimbursed up to 25% of the original loan amount in the event of a foreclosure. This is the only reason banks are willing to lend money to a veteran without requiring a down payment. In essence, the VA Department acts as an insurance policy if the loan goes bad.

As fine of a program as it is, there are some limitations to discuss…

Unlike their Conventional & FHA loan counterparts, the VA only allows the income of the veteran and veteran’s spouse to be used for qualifying purposes and thus, the ability to take advantage of the no down payment benefit of the program. In other words, say there is a veteran who can’t qualify for a particular home with her income, is not married, and does not want to purchase the home with another veteran. She simply cannot make that purchase using a VA Loan.

Well, sort of. Keep reading.

There’s a secret that most people (even lenders) do not know…

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The VA has one caveat to this rule that gives an additional option to veterans who find themselves unable to qualify for a purchase price.

Herein lies the secret: the veteran who is not married and cannot qualify on her own COULD technically use the income from her fiance (or parent, sibling, child, etc.) to qualify for that higher loan amount and purchase price.

However, in order to use non-spousal or non-veteran income, two additional requirements must be satisfied:

  • a minimum of 12.5% down payment made towards the purchase, and
  • the non-veteran, non-spouse used to qualify intends to reside at the residence along with the veteran.

So you’re saying there’s a chance?!

Yes, indeed. If we use any income to qualify that does not come from a veteran or a veteran’s spouse, the VA will guarantee 12.5% of the loan, which means the additional 12.5% guarantee required by the lender would have to come in the form of a down payment.

Additionally, VA does not allow for “non-occupying co-borrowers.” Therefore, the income used for qualifying for the loan amount would have to come from someone living in the residence.

Here are a few options of how this could be applied:

  • Veteran uses income from their fiance
  • Veteran uses income from child or children
  • Veteran uses income from their parent
  • Veteran uses income from their sibling

There you have it! The secret’s out. As long as a 12.5% down payment is made and the additional party occupies the residence with the veteran, you can do a VA Loan!

For more information regarding your VA loan benefits, contact us or fill out our online application and we’ll be sure to get in touch with you.

Erin Delgado
By Erin Delgado 27th October 2014 0 Comments

BAH Breakdown: What Can Your Housing Allowance Buy?

Aloha, military service members! Here at Hawaii VA Loans, one of our goals is to be your go-to, trustworthy resource for information on home buying and the VA loan process. In order for us to achieve that, we think it is important to break it down for you. Not in dance moves, but in data, BAH style. We’ll leave the break dancing to you – for after you sign those closing papers.

What can your BAH buy?

This Ocean Pointe single family home in Ewa Beach, Oahu is simply ideal – ideal for a small family, pets, and above all, for a homebuyer who is looking for a property that offers the relaxation and ease of moving in and not having to upgrade a thing (because it has already been done). It is evident from the way this Kaimalie Street single family home photographs that it has been immaculately kept and treated with the utmost care by its original owners. A home like this shoots to the top anyone’s Hawaii house hunting list.

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Central AC, new porcelain tile on the ground floor, and a beautifully landscaped yard provides the “Welcome Home” kind of atmosphere that members of our Hawaii military community look forward to after long hours of work, training, and deployments. The Ewa Beach community is a convenient location for the driving commute to multiple military bases around Honolulu and Central Oahu. Let’s take a look at how this particular home corresponds to the Honolulu County BAH rates for military members with dependents.

Enjoy your lanai and perfectly landscaped backyard for entertain

The BAH Breakdown

Where: 91-1125 Kaimalie Street Ewa Beach HI 96706

Bases nearby: U.S. Coast Guard Air Station Barber’s Point – 5.6 miles; Schofield Barracks – 14.3 miles; Joint Base Pearl Harbor/Hickam – 16.8 miles; Camp Smith – 15.7 miles

Property type: Detached Single Family

Asking price: $595,000

Bedrooms: 3

Bathrooms: 2.5

Square footage: 1,350

Schools: Keoneula Elementary School, Ewa Makai Middle School, Campbell High School

Rates

  • Interest rate: 3.625%
  • APR: 3.642%

Total estimated monthly payment (PITI & Association Fees) = $3,170.85

The 2014 BAH Rates support the ability for many active duty ranks to afford this property.  For E-7 to E-9, W-2 to W-5, O-1E to O-3E, and O-3 and above (all with dependents), this property will be covered by your Base Allowance for Housing. The BAH rates for ranks of E-6, W-1, and O-2 fall just under this property’s total monthly payment, and could still be affordable.

Do you like what you see? For more information on a property like this one, contact Help U Sell Realty Pro at (808) 625-9990.

Would you like to find out if you qualify for this purchase price? Fill out this online application or contact VA Loan Specialist, Brad Vilgos at (808) 927-3788.

Jim Owens
By Jim Owens 21st October 2014 0 Comments

The VA IRRRL: One Easy Way to Save $2,500/Year

What exactly is the VA IRRRL (besides an abbreviation that looks like we kept our finger on the “R” key a little too long)? It’s the VA Interest Rate Reduction Refinance Loan (you can pronounce it “Earl”) and it allows VA mortgage holders to seize upon current low interest rates and refinance their existing home loans. That’s right, even though you made your VA home loan purchase years ago, you can take advantage of today’s low interest rates. We’re not kidding!

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How can you get started on this money saving opportunity?

First, consider these six questions:

Do you…

  1. Currently have a VA loan?
  2. Have a job?
  3. Have an interest rate you want reduced?
  4. Have a record of paying your mortgage on time for the last 12 months or as long as you’ve had the loan if less than 12 months?
  5. Have a 580 credit score?
  6. Want to save money with this transaction? We must show that it benefits you in order for the VA to allow us to do the loan.

If you responded “yes” to all of the above, great! We’re excited for the extra savings coming your way. Read on.

Next, the VA IRRRL process involves 3 Simple Steps:

Step 1
Fill out our refinance form.

Step 2
A VA Loan Specialist will contact you to gather additional information and let you know the exact monthly payment savings you can expect. Your loan application will then be sent to you to sign and a few pieces of documentation may be required depending upon your situation (but nothing like what’s required for your initial home loan).

Step 3
Wait a few weeks for the closing documents to be ready. Once ready, sign those with a notary present. Wait a few more days and voila! Your new loan and savings are on the books!

It gets even better! Don’t forget IRRRL’s Highlights:

  • No appraisal is required.
  • No income calculations or documentation needed (no paystubs, LES, tax returns nor W2 needed).
  • No bank statements needed.

We told you it would be easy!

Last, but definitely not least, here’s an example of how the VA IRRRL can help with monthly and annual savings:

Loan Amount: $500,000
Interest Rate: 4.50%
Current Principal & Interest Payment: $2533.43
New Interest Rate: 3.75% (3.806% APR)
New Principal & Interest Payment: $2315.58
Monthly Savings: $217.85
Annual Savings: $2,614.22

For more information regarding your current VA mortgage and the VA Interest Rate Reduction Refinance Loan, contact us. We look forward to hearing from you!

Erin Delgado
By Erin Delgado 30th September 2014 0 Comments

Hawaii VA Loans October 2014 Ambassador: Ian Ajimine

As many of our readers know, the 2014 Hawaii VA Games took place on Labor Day at the Blaisdell Arena in Honolulu. This year, the event raised over $35,000 for two local Hawaii charities while simultaneously putting on an action-packed competition among Hawaii’s fittest CrossFit teams, and between renowned, individual CrossFit athletes from around the globe.

While going through media pictures of the Games, I came across a photo of Ian Ajimine competing in a Team Event. In the photo, he is sporting every Army Ranger’s favorite item of clothing, the Ranger black PT shorts (AKA Ranger Panties). How do I know this? My father and my brother are both former Rangers, and the love of the shorts does not go unnoticed if you’re a friend or family member. I had to find out if Ian was a Ranger. Of course he was. What was he doing now? He is Co-Owner and Head Coach of CrossFit HTF / Hi Town Fitness in Honolulu. I was intrigued. Has his time with the Rangers contributed to his success as a coach, trainer, and business owner? Without a doubt.

As you will discover from our interview, Ian Ajimine exemplifies the type of drive and work ethic that is a motivating force in the lives of the individuals he works with, and in the local community. Simply, it is why we have chosen him as our Hawaii VA Loans October 2014 Ambassador.

What is truly unique about Ian’s path is that it was not the path he intended to take at all, and that has made all the difference.

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Q&A with Ian Ajimine

Where did you grow up?

I was born and raised here in Honolulu and went to McKinley High School.

How did you join the Army?

I think I was 20 when I enlisted. I picked up a friend from the airport who had just joined the Air Force. I asked him how it was, and he said, “I love it.” I said, “You know what? I’m going to join the Army.” The next day, I didn’t tell anybody, I went into the recruiting office and took a mock ASVAB, and I did pretty well. I didn’t want anyone to talk me out of it, so I made sure that I swore in, signed my contract, and had a ship date, and then I told everyone, “I joined the Army, and this is when I leave.”

How did your parents react?

My mom started bawling. Instant tears. My dad had a sad look on his face, but he was like “I’m so proud of you.” My mom was crying and hugging me. Then, I remember, the look on her face as the recruiter came to pick me up at 5am. It was just heartbreaking. My dad was holding my mom and she was just crying, and I was waving, and they took me to the airport. It was a pretty sad moment for my parents, and for me, seeing the look on my mom’s face. I remember it today.

My mom actually comes into the gym to work out here now. I think they are pretty proud of what I’ve accomplished in a short amount of time.

Tell me about your path to becoming an Army Ranger.

Growing up, I said that I would never join the military because I could never stand someone yelling at me. My senior year, I was working at Zippy’s, and when I was around 19, I was doing their management program and I thought, “When I have kids someday, I want them to think that I did something with my life. I want them to have something they can be proud of.” Plus, I was going to KCC (Kapiolani Community College), and I had no discipline.

When I joined the Army, I didn’t have Rangers in my contract, the only thing I had was Airborne School. I was a Chemical Specialist, and during my Advanced Individual Training, they came to see us and said, “We need your jobs in the Ranger Battalion. If you’d like to try out, we’ll sign you up.” So I thought about it. Everybody was all about Rangers, and I had no clue. In the back of my head, I thought it would never happen. I’m just some skinny, pretty boy from Hawaii, it’s not gonna happen. But I tried out in their month long selection program, and I made it through, passed everything, and went to the 1st Ranger Battalion.

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You didn’t know about the history of the Army Rangers?

I honestly didn’t know anything about the Army when I joined. I just signed up. I knew nothing about Airborne School, I thought they were joking when they said I’d be jumping out of airplanes. I was good though, I just kept my mouth shut and did whatever they said, and I made it straight through. I didn’t have to repeat anything in Airborne or Ranger Indoctrination Program.

What was your mindset going through the Ranger training?

I think what kept me going the most was that the regular Army was deploying for a year or year and a half, and the Rangers were deploying for three months. I knew my family didn’t want me to deploy, but if I’m going to deploy, then three months sounded pretty good. All the higher guys that were always talking to you before becoming a Ranger were like “If you’re going to deploy, deploy with the highly trained guys who are going to keep you safe.” Those things kept me going.

How many deployments did you do?

I got to 1st Ranger Battalion in April of 2006 and I deployed to Afghanistan around August, and it was every six months for three months that we would deploy. I went to Iraq around March or April 2007, and when I came back, they sent me to Ranger School and I graduated the end of October 2007. I deployed to Iraq for my last time with the Rangers for 6 months. I reenlisted to come back to Hawaii, so that I could get the ball rolling with my next career when I got out. Overall I did three deployments with the Rangers, and then I did one long deployment with the big Army here in Hawaii, and got back in 2010.

What was the transition like coming out of the Army and back into civilian life?

I was pretty lucky, when I was in Ranger School, my Ranger buddy was a Major and gave me good advice – I was planning on getting out straight from Ranger Battalion in 2008. He was like, “Don’t do it, reenlist, go to Hawaii, and when you’re a year out, get your next career plan moving.” Best advice I ever got. So I did just that. I had a year left in the Army at Schofield, and I had been joking that I was going to open a gym. It started becoming more of a possibility when I got into CrossFit. The 84th Engineer Battalion paid for my Level I CrossFit certification. At the time, I was studying for my National Academy of Sports Medicine Certified Personal Trainer exam. By January of 2012, I had three more certifications completed. My official date out of the Army was in March, and by then, I was already doing boot camps at the beach. Within seven months of being out of the Army, we opened CrossFit HTF. I didn’t waste any time.

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How did your aspirations to work in fitness grow?

I don’t know why it took me so long to realize this was what I should do with my life. I started weight lifting in seventh grade. It was the only thing I ever liked to do. It was the only thing I really liked to sit down and read about. Anything fitness related or muscle related, I enjoy it. Even in the Ranger Battalion, I always had people ask me if I could help them out in the gym.

I love to train people and make a difference in their lives. It’s hard work. In the very beginning, I didn’t have as much money going into it as I would have liked, and as with any personal training, you have no credentials. Who wants to hire someone who has nothing online about them? I had no testimonials or anything like that. It took a little bit to build up my clientele. Today, I have about seven or eight one-on-one clients, and they’ve all been with me for a year or more.

I’ve earned five to six additional specialty certifications and everything has really come together. I’m pretty strict on the coaches here. I prefer that they have national certification or a degree in addition to CrossFit Level 1 certification.

Do you think your clients know what the Ranger tab means that’s hanging up here on the wall of your gym?

There are some people that will look it up, and of course, the Discovery Channel has the shows about Rangers now. People will say, “You did that?” And I’ll say, “Yeah, but on the TV, it’s a little calmer.” When the cameras aren’t there, it’s rougher. When you add up all the things, the sleep deprivation…you’re starving…and all they put you through, it takes its toll, and you’re like, “Why I am I even doing this? I don’t need to do this. I volunteered to get put through this.”

I really am the man that I am today because of the Ranger Battalion. Coming from having no discipline and no self-control at 20, to accomplishing what I did in the Rangers, to opening the gym, the Rangers made me hard-charging and driven. I’ve accomplished every goal I’ve set out for so far in life because of the Ranger Battalion.

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How does your military training influence the everyday operation of CrossFit HTF?

I can definitely say that because of my military experience, I talk a certain way. My members know. I’m loud and I’m energetic. It might seem harsh, but everyone knows it’s motivating. I don’t degrade anybody. In here, it’s “You can do it. Stop saying you can’t. Get up and you can do this.” When I came out of the Army, I was just hard charging and lacked empathy. I was like if I can do it, everybody should be able to. If I can survive, everybody should be able to survive. I had to change. I think I’m at a point where I’m at a good place, right in between.

How are the Rangers a part of your life today?

I’m reminded every day, that I am who I am today because of the Rangers. They taught me not to give up, not to back down, and to keep going. There are going to be some really hard days, but pain is temporary and it will pass.

You know, in the beginning with the gym, I was running mostly all the classes and I had a bar job at night so I could try to pay the bills, and to eat. I worked from 8pm-2am at the bar, rushed home, showered, rushed back to the gym, slept 30 minutes, opened it up, taught a 5am, taught a 6am, had a client, slept a half an hour, ate a Snickers bar, taught another class, slept an hour, taught a couple classes, rushed home, showered, went to the bar, worked, rushed home, showered, and restarted my day. It was like that for about a year into it. I literally was living off of energy drinks and coffee. And it wasn’t because I didn’t want to be healthy, but I put everything I had into the company, and I was going to make sacrifices for it.

Which is more challenging? CrossFit workouts or Ranger training?

The Ranger Battalion was doing it before, I think, it was CrossFit. CrossFit combined some things, put some principles and definitions behind things, and put a name on it.

That was kind of like my joke question that I wanted to throw in there…

I’d take a CrossFit workout any day!

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Is there more to CrossFit than just a great workout?

What makes CrossFit gyms so successful is the community aspect of it. You don’t just come in here, workout, and go home. You come in here, you get motivation, encouragement, and you make lifelong friends that have the same goals that you do. You have people in here that have started at the same place at some point. You have people in here to look up to. Not to mention the types of charitable events that are put together – the VA Games, and we do a lot of charity work in here as a gym with the Humane Society, autism, raising money for the Philippines, and we raised $2,000 to help a friend who was paralyzed try to walk again; that’s what makes the CrossFit community so much more.

The family aspect that we bring – all the CrossFit gyms bring that. CrossFit does so much more than help someone lose a couple pounds; you may come in wanting that, but you stay for more than that.

Final question before I let you go. What do you enjoy about life in Hawaii?

I like to hike and I like to go to beaches. I don’t have too much time for that now, but I’m down for anything. Having grown up here, I take Hawaii for granted all the time. You definitely miss it when you’re gone.

A big mahalo to Ian Ajimine for sitting down for this interview and sharing his experiences with us. We are proud to share the values of hard work, dedication, and just “going for it” that Ian represents as our Ambassador, for they are the same values that our team at Hawaii VA Loans holds in high regard.

Oh, and just in case you aren’t familiar with the infamous Ranger shorts that started it all, here’s a photo of Ian on Hawaii VA Games day! RLTW!

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Erin Delgado
By Erin Delgado 23rd September 2014 0 Comments

House Hunting How-To’s with Grant Kapono Kanoho

Here at Hawaii VA Loans, we enjoy inviting many of Hawaii’s real estate professionals to contribute on topics that educate and prepare you, our military service members and veterans, for the home buying experience.

In this post, Grant Kapono Kanoho, Realtor and Certified Residential Specialist with Marcus & Associates, and the 2014 Vice-President of the Honolulu Chapter of VAREP (Veterans Association of Real Estate Professionals), gives us his personal insight on how to prepare for, approach, and navigate through the house hunt.

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How To Prepare for House Hunting

In my opinion, the trend for most home buyers is to start hunting for a home BEFORE truly understanding what they are getting involved in. To be truly prepared, a home buyer should have a thorough education in all of the following areas:

  • Securing a Competent, Professional, Full-time Realtor

Having a competent, professional, full-time Realtor by your side as you purchase a home is definitely a prerequisite for all other steps in a home purchase. The right Realtor can and should be a champion of your home buying process – walking you through every step along the way, guiding you through the difficulties of negotiations, etc., and managing your needs and wants throughout.

  • Your Financial Outlook

In addition to getting prequalified for a home purchase, taking a look at your finances will be invaluable in determining your financial health, your affordability comfort level, as well as giving you the opportunity to examine (and fix) any credit issues or areas of concern in your financial picture.

  • Understanding Tax Implications

Too often, buyers go into a home purchase without taking a look at the potential tax consequences (both good and bad) associated with home ownership. Understanding how a purchase of this magnitude affects your tax situation is an important step to take before you consider purchasing a home.

  • Setting Realistic Expectations

Without a proper game plan, most home buyers may run into all sorts of problems throughout their home purchase process. Sitting down with your realtor ahead of time to review how your housing wants and needs fit into your budget and lifestyle will be a crucial step towards establishing the proper boundaries, expectations and limitations of your home search.

How To Approach the House Hunting Journey

Be open to everything. Plain and simple, having an open mind is such an important trait to have during a home search. If you close yourself off to options, focus too intently on one specific feature / neighborhood / building you like, or instantly reject anything based on face value, you truly are selling yourself short.

The most successful home buyers are open to all possibilities, allowing themselves the opportunity to explore new areas and ideas. By doing so, you maximize the potential for finding the perfect place for your needs.

How To Navigate Through & Remember Properties

If you are a buyer on the hunt for a new home, you’ll be visiting open houses, accompanying your agent on private showings, visiting new developments, and receiving a ton of emails showcasing the latest listings to hit the market. You are bound to forget what you’ve seen, or simply get listings mixed up in your head. To help navigate through that chaos, I ask that my clients make notations on every listing we visit:

  • Focus specifically on how you feel overall about the home (with a happy / sad face, thumbs up / down, etc.)
  • Note any unique features about the home that you will have an easy time remembering down the road (“This is the home with the red paint in the living room!” / “This one had the awesome bay window in the kitchen” etc.).

Lastly, taking notes will allow you to sift through what you’ve seen and focus on the properties that you found appealing.

About Our Realtor Contributor

Grant Kapono Kanoho was voted as one of Honolulu Magazine’s Best in Real Estate for 2013 and 2014, has been involved in more than $70,000,000 in real estate sales across 200+ buyer and seller transactions, and has been featured twice on HGTV’s hit television show, “House Hunters.”

Kapono Fun Fact: Since 1996, he has been a part of Hawaii’s underground hip-hop scene, and with his fellow group members, was nominated for a Na Hoku Hanohano Award for the Best R&B/Hip-Hop Album of the Year in 2008. Yes, that’s right, Kapono knows how to get down in both real estate and music!

If you’re interested in learning more about your VA home loan benefits and working with one of our Hawaii VA Loans Specialists who will assist you through one of life’s greatest accomplishments – homeownership – fill out our online application. We look forward to hearing from you!

Erin Delgado
By Erin Delgado 31st August 2014 0 Comments

Hawaii VA Loans Beneficiary #2: Pūkoʻa Kani ʻĀina

Each summer, the mission of the Hawaii VA Games begins anew. Directors, athletes, teams, sponsors, media, promotion, travel, planning, coordination, organization, and preparation – these elements create the palpable excitement surrounding the kickoff of the 2014 Hawaii VA Games.

When it all comes together on September 1st at the Neal S. Blaisdell Arena, spectators will witness the beginning of a new era for the Games; the contests will be fiercer, a new milestone will be reached in the amount of funds raised, and the recently developed Hawaii VA Foundation will distribute the money to two exceptional nonprofit organizations that impact the lives of Hawaii’s people.

After careful consideration, the Hawaii VA Foundation is proud to announce the final of two selected nonprofit organizations to receive a grant at the 2014 Hawaii VA Games: Pūkoʻa Kani ʻĀina.

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The Pūkoʻa Kani ʻĀina mission is “to provide educational and socioeconomic opportunities for Hawaiians and their communities in order to achieve empowered, healthy and sustainable lifestyles.”

One of the many ways Pūkoʻa Kani ʻĀina strives to carry out their mission is through the observance of the traditional Makahiki season. For ten years, they have successfully carried out the program on the Big Island and will now bring it to the island of Oahu.

What is behind the tradition of the Makahiki season? Author Teya Penniman for Maui Magazine, writes that it is far more than rituals lasting over several days:

“For a full four months, the practices of Makahiki in pre-Contact Hawaii touched the life of every islander, helped manage and distribute the bounty of land and sea, and mandated a prolonged period of peace and festivities. As the Pleiades began their arc across the sky, priests closed the temples associated with Ku, the god of war, farming and fishing. Bloodshed and many forms of manual labor came to a halt. Commoners and chiefs shifted their focus to Lono, honoring his power to ensure future crops.”

Therefore, using ancient Hawaiian cultural practices as the primary inclusive tool,  Pūkoʻa Kani ʻĀina engages in activities with the primary goals of strengthening families and encouraging increased engagement with physical education, health, fitness, and honest competition.

Pūkoʻa Kani ʻĀina’s Administrative Manager, ʻEkela Kahuanui, gives us insight into the games and competition that are part of Makahiki:

“From keiki to kūpuna each participant can challenge themselves in various games of skill, which are; ulu maika (stone rolling); moa paheʻe (dart sliding); kōnane (Hawaiian checkers); ʻōʻō ihe (spear throwing); kūkini (50/100 yd sprint) and huki papa (tug of war while balancing on a raised board). Some games of strength are; hukihuki (tug of war 6 vs 6); hukikahi (tug of war 1 vs 1); uma (arm wrestling); pa uma (standing arm wrestling); hakamoa (chicken fight); and pōhaku hoʻoikaika (stone toss). Core Hawaiian values like aloha, mahalo, mālama, kōkua, will permeate the air and guide our interactions on and off the playing field.”

How will the Hawaii VA Foundation’s grant be utilized by Pūkoʻa Kani ʻĀina?

“This grant will help further our mission enabling our programs to make a deeper impact within our communities,” says Kahuanui.

What was the organization’s reaction upon hearing they would receive a grant at the 2014 Hawaii VA Games?

“Uihā! was my first reaction. Pure joy! I immediately started thinking of how we could make our program even better. Mahalo ke akua!” Kahuanui exclaims.

The Hawaii VA Foundation has raised over $35,000 and is excited to present Pūkoʻa Kani ʻĀina with one of the two grants totaling over $14,000 at the conclusion of the 2014 Hawaii VA Games. Over the course of the next year, the Hawaii VA Foundation will follow the use of Pūkoʻa Kani ʻĀina’s awarded funds (as well as recipient #1, Valley of Rainbow’s progress), and allow the public to decide which beneficiary will receive the remaining $7,000 toward their programs.

For tickets to attend the Games, visit the Blaisdell Center box office when it opens at 7:30am. The event starts at 9am. To stay updated on Pūkoʻa Kani ʻĀina and the work they do, visit their website or contact them below:

Pūkoʻa Kani ʻĀina
PO Box 437231
Kamuela , HI 96743
[email protected]