Meet John Harris and Shelly Campbell Hawaii's Home Team
John Harris and Shelly Campbell are truly Hawaii's Home Team, with over 70 years of local living experience working for you. Our family (John is Shelly's son) has been involved with the construction, development and sale of Hawaii residential and commercial properties since the late 1960's. We are very involved in our community, because that's whom we serve, and that's what we sell. . .our community! When employing our team to sell your home, we act as your marketing managers to bring you more qualified buyers through our tested home selling systems. When the time comes to buy your Oahu home, we use the same negotiating expertise to ensure that you secure the best possible home for purchase at favorable terms in our competitive marketplace. Every home and property on Oahu is visible through our website! Whether buying or selling, John, Shelly and our team of support professionals are committed to your success!
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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What was the world's highest viewing platform before the opening of the Empire State Building in 1939?
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The Eiffel Tower, built between 1887-1889, was for 42 years the highest viewing platform in a man-made structure. |
 See More Real Estate Trivia > |
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Home Inspection
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