Financing your new home
The first step in a new home search should be to understand your financing options. Even if you have cash, there may be reasons that financing makes sense. The world of lending is changing daily and you need to have someone who understands the complexities of purchasing in Maui as well as knowing the hundreds of different loan programs.
Like when choosing a real estate agent, look for a lender who you can work with over time. You don't want the guy who promises the lowest rates! You want to find someone, who understands your full financial situation and finds the best program for you. Remember that the average person buys a new house every 7 years. But you can refinance your home many times if it makes sense to do so.
The mortgage crisis is an indication that many lenders focused on "sign them up and leave them" mentality. Many lenders aren't like that and can be your resource for credit evaluation and mortgage planning which are great tools when looking at your overall financial situation.
I recommend Kim and Craig Haueisen. They work hard to keep me up to date on the latest lending news and I know how they treat customers. Craig is one of 2 people in Maui who is a "Certified Mortgage Planner". It takes just minutes to get a much better idea about what you can afford! Call Kim and Craig today at 808-298-7092 or visit their website.
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