Prior to getting in the car and looking at real estate, an experienced realtor will request either Proof of Funds or a Pre Qualification Letter. Giving the best service to clients and their needs, it is essential to have these items in place. So, where do you start?
Regardless of the relationship with your personal bank, it is best to use a Hawaii licensed lender/ Broker when purchasing in Hawaii. Time and time again, Kimberly Gurgone hears stories of how families have used a bank for several decades and have strong friendships with their company. Not to undermine or insult her clients, she guides them to a Local Broker.
Who has continually given Kimberly's clients Financial assistance?
Brady Spangler | HI-205611 Maui Branch: 161 Wailea Ike Place Unit C-101, Suite 1, Wailea, HI 96753 Axia Home Loans Corporate: 1120 112th Ave NE, Suite 600, Bellevue, WA 98004 - NMLS #27830
Phone- 808-757-9335
Dan Bardenhagen- Wells Fargo
Private Mortgage Banker - NMLSR ID 653667
808-891-6075 (Office) 808-280-6168 (Mobile) 34 WAILEA GATEWAY PLACE, A205 KIHEI, HI 96753
Rowena R. Baraoidan - First Hawaiian Mortgage
MLO #325247 First Hawaiian Mortgage Co. of Hawaii 910 Honoapiilani Hwy #2, Lahaina, Maui, HI 96761 Phone - 808-661-8886 E-mail: rowena@firsthawaiianmortgage.co
Eric Miyajima - American Savings Bank
Vice President / Residential Loan Manager
NMLS #470761
Direct: (808) 872-4908 / Mobile: (808) 280-6444 emiyajima@asbhawaii.com
Whether it is Axia Home Loans, First Hawaiian Mortgage, or American Savings Bank, these companies have assisted Kimberly and her clients. Their specialties include: first new mortgage, refinancing, VA loans, and much more. They are eager to help get you started and find a price, which are both suitable and accurate. They are familiar with CondoTel and investment properties. Where as, Lenders outside of Hawaii can not service these complexes.
Reminder, almost all properties in Hawaii are 30% down when Financing. Because of short term rentals & investment properties, you need more skin in the game.
Upon receiving news from a licensed lender in the state, now, it is time to get excited. Kimberly Gurgone, will not only hold your hand from the start but will see the transaction is completed in an accurate and timely manner. Ready to get started?