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Looking for homes in the Honolulu area? Search everything the web has to offer, right here! Don't miss our Feature Homes and automatic searches for Hawaii Kai, Ridgeview Properties, and Luxury Condos.
We've also got plenty of local and useful information on the East Honolulu, Hawaii Kai and Ewa Beach area.
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As top Honolulu, Hawaii Kai and Ewa Beach real estate agents, we have the experience and track record you are looking for. Please let us help.
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Financing Your Home >Watch Your ARMs Length Most buyers know that first-year interest on Adjustable Rate Mortgages (ARMs) is typically lower than the interest on available fixed-rate mortgages. This makes ARMs easier to qualify for, but also requires that borrowers have some understanding about how such loans work, because there are significant details associated with the low first-year rate.
First, check to see how long the low rates offered on the ARM are guaranteed. After that period of time, the rates can go up two points a year to a typical rate cap of six points over the life of the loan. Lenders will usually require borrowers to qualify for a mortgage loan that is several percentage points above the actual initial rate charged on the ARM. This is intended to keep borrowers from becoming overburdened by debt. Some lenders may charge special fees or caps which can increase the cost of the loan. If you think that an ARM may work for you, it is a good idea to shop around.
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How much does a celebrity's name boost the price of a property?
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Typically no more than 5 percent, but there are exceptions--the greater the fame, the higher the price!
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Team Leilani Cunningham
Coldwell Banker Pacific Properties
4211 Waialae Ave. Kahala Mall Rooftop, Suite UW1
Honolulu, HI 96816
Tel: 808-382-3000
Fax: 808-748-8030
Email: Leilani@TeamLeilani.com
Leilani Cunningham was born and raised on Oahu. Living in the islands and remembering all the wonderful places, experiences, and people that have been part of her life growing up in Hawaii means she can offer local expertise for clients searching for just the right home, work experience to help market her clients’ properties effectively, and valuable business relationships to support smooth closing for all parties in every transaction. Leilani is excited to now have her daughter Kahi working as her associate.
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