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Your Options of Available Home Loans

Buying a home is an exciting experience and is a process with many steps involved. The first and most important step to buying a home is qualifying for a home loan/mortgage through a lender also known as a mortgage broker. There are three main types of home loans as well as specialty home loans available for homebuyers. Each type of …

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Revocable Trust vs Irrevocable Trust – Which One Is Best For You?

  Revocable Trust vs Irrevocable Trust – Which One Is Best For You? In a previous blog post, The Importance Of A Living Trust, we covered why it is important for everyone to have a trust in place for the easy transfer of your assets to your beneficiaries. Trusts are one the most important estate planning tools to have. In …

Five Islands of Hawaii

Hawaii is one of the most beautiful places to live in the United States. Lush landscapes, the warm Pacific Ocean, lots of hiking trails up dormant volcanoes, and a rich Hawaiian cultural, the islands of Hawaii each offer their own uniqueness to its residents. There are eight Hawaiian Islands that make up the state of Hawaii. They include: • Hawaii …

Why A Home Warranty Is Important for Homeowners

There are many upfront costs when you purchase a home and there can also be unexpected costs that occur after the closing of your home.  A faulty oven, a leaking dishwasher, or the heating unit can all unexpectedly stops working leaving you with a big bill. By having a home warranty in place, this yearly service contract can help save …

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Understanding Hawaii’s Lava Zones

In the United States, there are flood zones, tornado zones, hurricane zones, and special to Hawaii there are lava zones. On the big island of Hawaii, there are two active volcanoes, Kilauea and Maunaloa, and an underwater volcano off the Southern coast of Hawaii Island is Lo’ihi. The islands of Hawaii were created by a single volcanic hotspot in the …

The Benefits of A HELOC

  Owning a home has many benefits – tax deductions, building wealth, and the ability to borrow the equity from the value of your home. One way to take advantage of the equity in your home is to get a revolving line of credit from your lender called a Home Equity Line of Credit, also known as a HELOC. The …

What Is A Scope Of Work

Any successful home remodeling construction project will have detailed and specific instructions of the work that is expected called a Scope of Work. A scope of work document is an agreement of the job that is going to be performed and clearly lists the deliverables, work to be done, schedule of work, milestones, and expected progress reports. This document must …

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Using Hawaii’s Renewable Energy Resources To Power The State

Using Hawaii’s Renewable Energy Resources To Power The State Currently, Hawaii is the most fossil fuel dependent state in the nation but Hawaii has decided to change this. In 2015, the Blue Planet Foundation drafted the legislation which Hawaii adopted into law that mandates all of the state’s electricity needs to come from renewable energy sources no later than 2045. …

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The Importance Of A Living Trust

The Importance Of A Living Trust A living trust is a powerful estate planning tool to ensure your beneficiaries will inherit your assets without the trouble of them dealing with probate procedures. A living trust is a written document, signed by the trust maker to notate who will receive real estate properties and other assets without involving the probate procedures. …

Earnest Money Deposits, Do I Have To Provide It?

Do you have to provide an earnest money deposit when buying a house? This is a popular question for both first time and experienced home buyers and continues to baffle the most experienced real estate buyers and investors. And yet, there are those experienced buyers that continue to go about the process the wrong way. So the question remains, do …