Videos

Learn about 3 options you have when your appraisal value is low.

Thinking about selling your home as a Short Sell? Before you do, find out the potential consequences you may face from Attilio Leonardi, a Short Sell expert with Remax Honolulu.

Who doesn't want to save money on closing costs? The next time you purchase a home, follow these 3 steps to get your closing costs as low as possible.

With so many loan programs out there, how do you know which one is best for you? In this video, we break down the benefits and drawbacks that come with the 4 main loan programs available today; VA, FHA, Conventional & USDA.

Do you even know what you're paying for when getting a Homeowners' Insurance policy? You should because your lender will require it. Ryan Thornton, with Insurance Associates, educates us about the details of what's included in a homeowners' insurance policy.

Aaron Tangonan, with Fidelity National Title defines title insurance explains what Title Insurance is as well as three ways to save money on this mandatory closing cost.

Prepaid Interest is one of the fees lumped into your closing costs. Find out what exactly prepaid interest is and how it is calculated.

Ever wondered what the term "Escrow" meant? Lydia Presbitero of Old Republic Title & Escrow explains that escrow is a neutral third party that is responsible for collecting the documentation to transfer a title from seller to buyer (a very important part of the purchase transaction).

Sid Villaflor, with Hawaiian Island Solar explains what a Photovoltaic (PV) System is and explains the benefits and potential cost savings installing one on your home can provide.

There are many factors that go into determining your interest rate; current interest rate market, the type of loan program you choose, down payment/credit score, and the paying of discount points determine your the rate you can lock on your next home loan.

This three-digit number has a big impact on everyone. Gabe Amey explains what goes into determining your FICO score.

Having great income doesn't necessarily mean you can qualify for a big loan amount. Jim Owens explains how you can determine the loan amount you can qualify for based on your income, monthly debt obligations and factoring in the acceptable debt-to-income ratio.

When purchasing a home, you must also factor in the costs of property taxes and homeowners' insurance. The Lender will require you to include these additional costs into the monthly payment via an Escrow Impound account. An Escrow Impound account is basically a way for the lender to break up large bills in to smaller monthly payments.

You've heard the term "Short Sale" but do you even know what it means? Adrienne Lally of Remax Honolulu breaks it down for us and shares a few tips for homebuyers looking to purchase a short sale property.

Ryan Thornton of Insurance Associates gives us 3 tips on how to save money on your homeowners' insurance policy.

Brenda Carr tells us how we all can utilize a "Seller Credit" when buying a home. Ask your Realtor how you can request a Seller Credit on your next home purchase!

Jim Owens covers the best practices involved with the Cash to Close process. Following these tips can help reduce any delays with the funding and recording of your home loan.

If you plan on purchasing a condo, there are a few potential red flags to look for that can steer your transaction sideways. Using this video as a tutorial, you can look out for these red flags early enough in the process so that you can minimize the wasted cost and time if the transaction needs to be canceled.

Are you ready to get prequalified for a home loan? You will need have few types of information handy to discuss with your loan officer. He/she will ask for to a 2 year address history, a 2 year employment history, assets and banking information, credit information, and information on any other properties you may own. If you are applying with a spouse, their information will be requested as well. This may seem like a lot of information, but in just 15 minutes you will know exactly what you can qualify for!

Gabe Amey & Jim Owens discuss the rules with obtaining mortgage financing after going through either a Chapter 7 & Chapter 13 Bankruptcy.

Having a Short Sale or Foreclosure in the past, doesn't automatically disqualify you from getting another home loan. Carolina Carreira of Hawaii VA Loans breaks down the rules in regards to obtaining mortgage financing after a Short Sale or Foreclosure

Whenever you purchase a home, you'll be required to do three different inspections while in escrow. Tiffany Bove of Coldwell Banker goes over these three types of inspections including estimated cost for each.

Jim Owens discusses the 4 “C"s of home buying (Credit, Capacity, Collateral, and Cash to Close). You want to have all of the 4 “C”s because they show the lender that you can pay your bills on time, afford your mortgage payments, and still have liquid assets left over after a purchase. If you can exhibit the 4 “C”s you will more then likely qualify for a loan.

Thinking of selling your home anytime soon? Athens Arquette of Arquette Properties shares 3 VALUABLE tips on maximizing the sales price of your home.