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Analyze

Conduct a Needs Analysis

We know the home buying experience can be fraught with mystery. Our experienced agents will leverage expertise, local market knowledge, and key industry partnerships to ease you through the process of finding your dream home. We’ve been down this road before, so we’ll first ask the necessary questions and gather the important data we need to kick off journey to home ownership. Let’s get started!

Finance

Get Your Finances in Order

At this stage, our job is to maneuver all the financial pieces to ensure you’re on strong financial footing when that dream home becomes available. Our recommended network of lenders and financial experts will help tighten up your credit, determine exactly how much you can afford for both a home and a down payment, and make sure you’re formally pre-approved for a loan, all with the goal of solidifying your position as a serious market contender.

Shop

Shop for A Home

Now for the fun part! We’ll help you draw up a “wish list” of everything you’re looking for in not just your new home, but your new community as well. We’ll match your must-haves with your budget and then draw on our local expertise and network of industry colleagues to help you find a place that’s everything you wished for. Shopping for a home is exciting, so just have fun with it!

Offer

Make an Offer and Negotiate

You’ve found “the one” and you’re ready to make an offer! We’ll help you formulate a fair, data-driven purchase offer based on in-depth market analysis, and draw up the purchase agreements. Then, we’ll leverage smart negotiating skills to guide you through contingencies and ensure you don’t spend any more than you need to. And, should things not work out with one offer, we’ll be ready with a game plan for the next.

Inspect

Conduct a Property Inspection

Once your offer is selected, you can elect to inspect the property. If you do this, we’ll send an independent licensed inspector to fully check a home’s condition. Because it detects issues that aren’t apparent on a walk-through, a home inspection is a powerful negotiating tool and the best insurance you can ever get on a property. If issues arise, we’ll work with you to develop strategies on how best to proceed. You’re getting close, and you don’t want to set yourself up for a houseful of headaches.

Approve

Get Final Financing Approval

This part can get complicated, but we know from experience how to keep the crucial final stages of loan approval from becoming overwhelming. We’ll regularly monitor the progress of your transaction and keep you fully aware of unexpected funds that might be expected from you. We’ll also work with your lender to make sure all the necessary paperwork is complete as we move closer to a smooth closing.

Celebrate

Congratulate Yourself on Your New Home!

Making it through escrow can seem like a mountain of details but the view from the top is worth it. Expect to sign a ton of paperwork before you get there, and we’ll hold your hand through every step of the process. A few days before closing, we’ll conduct a final walk-through, and then, once both parties sign closing statements, the keys are yours and we’ll celebrate your new home and your new life!

Different Markets

Markets

Seller's Market 

 

This is an extremely competitive market and known as a "seller's market" Sometimes, homes will sell as soon as they are listed or even before homes are listed. Typically, during a hot market, multiple offers will be made on each home and more often than not, homes will sell for more than the asking price. It is even more crucial to be prepared and to be ready as a buyer when the market is hot. It can be easy to get caught up in the bid for a home, but if you are prepared (pre-approved, solid in price range, realistic about your needs), it is easier to remain focused on your housing needs and price range.  

 

Neutral Market

 

In a neutral market, there is a fairly large number of homes available and an average number of buyers. This market does not necessarily favor the buyer or the seller. A seller may not have as many offers on their home, but he or she may not be desperate to sell either. Again, it is the buyer’s responsibility to be prepared. During a normal market, the chances to negotiate are higher than in a hot market. As a buyer, you can expect to make offers at lower than the asking price and negotiate a price at least somewhat less than what the sellers are asking.

 

"Buyer's Market"

 

In a buyer's market, houses may be listed for more than a year and the prices of houses listed may drop considerably. As a buyer, you have the time to make an offer that works to your best interest. It is not uncommon to low-ball and to find that sellers are accommodating to meet your needs. Keep in mind that even though this market is a great time for buyers, you do not want to lose your dream home by being unrealistic. Your goal is to get your dream home at the best possible price.  

 

It is always a great time to buy, but depending on your goals and plans with the property, it might not be the best time for you to buy and speaking with us  about your goals will help us advise you to make the best decision for you to build wealth! 

What is Monthly Inventory

Monthly Inventory or the absorption rate is one factor we use to determine when considering the type of market we are currently in, and what we can predict for the future.   

The absorption rate is the rate in which it would take to sell all the active listings.  

 

As an example, if Oahu has an average absorption rate of four months this means that it would take an average of four months to sell all the inventory on the market if no new inventory hit the market.   

 

A healthy market is between 5-6 months of inventory. This means that demand and inventory is balanced.  If the months of inventory decrease, it will become a "seller's market".  If months of inventory increase, it will likely become a "buyer's market"

 

We review the data and provide you with the information specific to the area you are considering.      

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