All agents are NOT alike! Find out why we are top real estate experts. Call us: 888-289-7284

Sign Up For Our eNewsletter, FREE!
There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
Find Out More >
View All Offers >

Coming Soon!
Read Quote >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

John Harris and Shelly Campbell Hawaii's Home Team are some of The Top Selling Real Estate Experts™
Find Out More >

First Time Homebuyers: Honolulu Hawaii home buying, real estate listings, and homes for sale in Hawaii County, HI

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Honolulu, Kailua and Kapolei real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached. Please fill out the form below...

	About You
* Your Name:
* Your Email Address:
Your Street Address:
City:
State:
Country:
Zip/Postal Code:
Phone:
	About Your Move
When Are You Moving?
Where Are You Moving?
	About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
Home Size In Square Feet?
	Additional Info
Please Enter More Details, Along With Any Comments, Concerns, Or Questions:
Send Latest Listings:
Send Latest News:

*Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
We Guarantee Your Privacy >
Free & Without Obligation >

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.

	See All Tips In The "Financing Your Home" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What is the highest skyscraper hotel in the world?
A	The Grand Hyatt Shanhai in Pudong, Shanhai, China occupies the top 35 floors of the 88-story Jin Mao Tower, which at 1,378 feet is the tallest building in China and the third tallest building in the world.
See More Real Estate Trivia >

Home Inspection
Roger Green, Hawaii Real Estate Inspection Service
Find Out More >

John Harris and Shelly Campbell Hawaii's Home Team, REALTORŽ, real estate agents and broker for Honolulu Hawaii home listings, property and land for sale - NUMBER1EXPERT(tm)

John Harris and Shelly Campbell Hawaii's Home Team
RE/MAX Honolulu
1357 Kapiolani Boulevard, Suite 870
Honolulu, HI. 96814
Direct: (808) 951-3210
Toll Free: (888) 289-7284
Fax: (808) 951-0185
Email John: John@HawaiiHomeTeam.com
Email Shelly: Shelly@HawaiiHomeTeam.com
For More Information: Info@HawaiiHomeTeam.com
John Harris and Shelly Campbell are truly Hawaiis Home Team, with over 70 years of local living experience working for you. Our family (John is Shellys son) has been involved with the construction, development and sale of Hawaii residential and commercial properties since the late 1960s. We are very involved in our community, because thats whom we serve, and thats 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!

www.hawaiihometeam.com is brought to you by John Harris and Shelly Campbell Hawaii's Home Team
NUMBER1EXPERTS™ in real estate for Honolulu, Kailua and Kapolei, Hawaii

Read our Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge