Mortgage Waiting Periods

Mortgage Application

Mortgage Waiting Periods For Different Loan Types: Conventional Loan Waiting Period Bankruptcy: 4 Years Foreclosure: 7 Years Deed in Lieu: 3-7 Years Short Sale: 3-7 Years VA Loan Waiting Period Bankruptcy: 2 Years Foreclosure: 2 Years Deed in Lieu: 2 Years Short Sale: 2 Years FHA … [Read more...]

Home Remodeling is Back

remodel

Home remodeling is once again at the 2005 level of activity.  This is another positive index pointing to the slow recovery of the housing market.  The greatest positive is that owner-occupied properties are investing in their homes again as the home prices stabilize.  "As owners become more … [Read more...]

Maui Foreclosure Condos

FC4

Here are the 6 active foreclosure condos for sale in Maui. For more pictures and information on each of these properties, enter the MLS number into the quick search on the right, and change the property type to condos. If you would like to view one of these properties, contact us today. MLS  # … [Read more...]

Maui Foreclosure Homes For Sale

FH9

Here are the 10 active foreclosure homes for sale in Maui.  For more pictures and information on each of these properties, enter the MLS number into the quick search on the right.  If you would like to view one of these properties, contact us today. MLS # 353597 Price: $256,500 Bed/Bath: … [Read more...]

Maui Active Foreclosures – Homes

Home_10

The following is the most current list of active foreclosures for sale in Maui.    Additional pictures and information can be found when entering the MLS number into the quick search to the right.  Call if you have any questions, or would like to view the home. MLS # 353597          … [Read more...]

Hawaii Property Tax: Exemptions for Seniors

tax

Hawaii has some benefits for it’s seniors to make living in Hawaii more affordable at retirement.  Some of the benefits are exemption from state income tax, exempt from GE tax on prescription drugs and property taxes.  Each county has different exemptions for their property taxes.  The … [Read more...]

Mortgage Debt Relief Act Set to Expire

mortgage debt relief

The Mortgage Debt Relief Act of 2007 generally allows taxpayers to exclude “forgiveness of debt” as income.  This is debt reduced through mortgage restructuring as well as mortgage debt forgiven in connection with a foreclosure or short sale. Prior to this act, many distressed homeowners … [Read more...]

Retire in Hawaii: Enjoy Paradise

retirement

If you are looking for a place to retire, why not look at Hawaii?  With the mild tropical climate of 60 to high 80 degrees Fahrenheit, most of the time, you don’t need to heat or cool your home; the beaches are some of the best in the world, and you are still in the United States. One of the … [Read more...]

Fee Simple Versus Leasehold Property Purchases in Maui

leasehold

Homeownership in Hawaii can be purchased in the most familiar way (Fee Simple) or as a leasehold property.  Simply defined, the following is the difference in the purchases. Fee Simple ownership means that the purchaser owns the home and the land the home sits on.  Condos and townhomes … [Read more...]

100% Financing for Homes & Condos in Maui, Hawaii

zeroDown

Yes, it is still possible to purchase a home with no down payment in today’s market on Maui.  USDA home loans are available on most of Maui, including Lahaina.  A USDA mortgage can provide a zero down payment, super low closing costs and low monthly mortgage insurance (PMI).   Guild Mortgage, … [Read more...]

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Alfy Sprenger, Principal Broker
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