Major Change for Low-Down Program

Fannie Mae’s Home Possible and Freddie Mac’s Home Ready programs are a minimum 3% down-payment program. It has been one of the best new programs to be introduced since the housing crash of 2008. These programs allow those with moderate income to put just 3% down, yet receive some of the best rates available, and… [Read More]

Hawaii’s Awkward Title Systems

The State of Hawaii uses two very different systems to recognize the rightful ownership of property. Today we’ll touch onto this complicated topic. If you have questions, consult an attorney licensed in Hawaii, and who specializes in real estate law. The two systems are the Regular System and Land Court. In general, properties that were… [Read More]

How Should You Hold Title?

If you are planning on buying a property, or may already own one, you should give some serious consideration as to how you hold your interest in that property. Today we explore your options. While this may seem like a very boring and esoteric topic, it is very important for you to understand which option… [Read More]

What will it Cost You to Wait?


Everyone in Hawaii realizes we have some of the most expensive real estate in the country. I got into the mortgage industry 22 years ago with the hope of helping people obtain financing to obtain the home of their dreams. That is why it saddens me so often these days that many of our friends… [Read More]

The Rent is too Damn High


Rents across our Aloha state are nothing to say mahalo for. Hawaii has some of the highest residential rental costs in the country. With interest rates still in the 4% range, more inventory now available throughout the state, and mortgage interest still allowed as a deduction, why are most renters still renting? This week, let’s… [Read More]

A Huge Change in 2nd Home Financing

Fannie Mae and Freddie Mac announced a tectonic change in their strict guidelines of rental income received on your 2nd home. Receiving rental income on your 2nd home has always been a confusing issue for consumers. The old rules that seemed quite clear were always misinterpreted. The requirement was that you spend at least 2… [Read More]

Buying or Selling Property Online

Do you enjoy sitting on the sofa ordering items from Amazon instead of heading out into the real world?  That level of convenience is now heading its way into the world of real estate.  The nation’s number-one real estate site,, is making some huge changes.   Zillow started as a website where people could… [Read More]

Title Insurance

One of the most common questions I get asked is “What is Title Insurance?” and “Do I need it?”  Let’s spend a few minutes together to cover this topic most people think is boring, but ironically, is one of the largest single expenses of all the typical closing costs in a transaction.   Title Insurance… [Read More]

Vacation Rentals – Part 2

I received a lot of responses to last week’s article on the big changes to this class of property in Hawaii County.  There were a lot of questions asked, so this week I will try and clarify this issue a little further.   What is a short-term rental? We are first going to define what… [Read More]

County’s New Vacation Rental Law

Ordinance 18-114 was signed into law on December 5th, 2018 by Mayor Harry Kim.  This sweeping new law is something you better understand if you own, or plan to own, property on the Big Island – especially if you have a desire to use the property for vacation rentals.   Hawaii Island is the last… [Read More]