Land Loans Fixed Rate

First Hawaiian Bank: Hawaii/Guam — Mortgage Options select an online service -------------------- FHB Online FHB Business Online StrataWeb PlanWeb QuickTax Web Cash Manager - Hawaii Web Cash Manager - Guam for a new account -------------------- CREDIT CARDS Gold Aloha AirAwards MasterCard Gold Aloha AirAwards Visa Aloha AirAwards MasterCard Aloha AirAwards Visa Aloha Business AirAwards Business MasterCard Gold MasterCard Diamond Head MasterCard Ukulele MasterCard Gold Visa Mosaic Visa Surfer Visa -------------------- LOANS Morgage Pre-qualification Personal Loan Personal Line of Credit Business FirstLine Business FirstTerm Business Equipment Lease -------------------- CHECKING FirstChecking Discount Checking Regular Checking Bonus Checking Priority Banking Checking Business Checking -------------------- SAVINGS Regular Savings MaxiMizer Savings Certificates of Deposit -------------------- PrimeTime/Primera about products & services Business Services Cash Management Checking Accounts Credit Cards Foreign Exchange Insurance Services Investment Services IRA Leasing Lines and Loans * Home Equity Line of Credit * Personal Loans * Student Loans * Calculators Mortgages Online Banking PrimeTime/Primera Savings and TCDs Small Business Banking Student Banking Trust and Estate Services a branch or ATM Oahu * Oahu - Honolulu * Oahu - East Oahu * Oahu - Windward * Oahu - Northshore * Oahu - Leeward Maui & Lanai Big Island Kauai Guam Saipan First Investment Center Insurance Services Mortgage Banking • Mortgage Options • Mortgage Document Checklist • Current Rates • Foreclosures • Mortgage Glossary • Calculators • Realtor News • Contact Us Compare Options Pre-Qualify Now! Contact Us Mortgage Options For a free analysis and recommendation of the best mortgage loan program for you, please call us at 643-HOME (4663). Click on the options below to learn more about each of our mortgage solutions.  You can also use our  Online Comparison Tool  to compare options side by side. Fixed Rate Mortgage Adjustable Rate Mortgage (ARM) Balloon Mortgage First-Time Homebuyer Mortgage Absolute Zero Mortgage FHA/VA Flex 100 Rural Housing Service Loan (RHS) Construction Loans Home Improvement Loans Second Mortgage Land Loans Fixed Rate Mortgage Pre-Qualify Online Rates: · Interest rate is constant over the life of the loan Features: · Variety of terms available · Finance with as little as 3% down payment · Flexible qualifying guidelines Benefits: · Stable monthly payments · Protection against rising interest rates · Fully amortized over the life of the loan Best Suited For: · Borrowers seeking a set interest rate · Borrowers who want the certainty of knowing their payment amount · Borrowers on a fixed monthly income Adjustable Rate Mortgage (ARM) Pre-Qualify Online Rates: · Interest rates and monthly payments can adjust periodically over the life of the loan Features: · Conversion to a fixed rate option available · Initial interest rate may be lower than fixed rate products · Variety of terms available · Annual and lifetime interest rate caps Benefits: · Interest rates and monthly payments can adjust periodically over the life of the loan · Conversion to a fixed rate option available · Initial interest rate may be lower than fixed rate products · Variety of terms available · Annual and lifetime interest rate caps Best Suited For: · Borrowers who expect to move within 5-7 years · Borrowers who anticipate rising incomes · Borrowers who can manage payment changes · Borrowers expecting large cash settlements in the future Balloon Mortgage Pre-Qualify Online Rates: · Interest rate is fixed for a set term Features: · Monthly payments amortized over a longer period than the loan term · Balance is due on balloon date · Outstanding balance may be refinanced for qualified borrowers on balloon date Benefits: · Lower interest rate than fixed-rate mortgage · Borrower may qualify for higher loan amount · Stable monthly payments for term of loan · Rate re-set feature available after 7-years Best Suited For: · Borrowers who expect to move or refinance within 7 years · Borrowers who want to take advantage of lower short-term rates and can tolerate some uncertainty about future loan terms · Owner occupants and second homeowners First-Time Homebuyer Mortgage Pre-Qualify Online Rates: · Fixed or adjustable interest rates Features: · Variety of terms available · As little as 3% down payment · Flexible qualifying guidelines · Fully amortizing · Reduced loan fees Benefits: · Payments go towards equity rather than rent · Minimum down payment enhances buying power · Flexible guidelines may qualify borrower for larger loan amount · Reduced closing costs make buying easier Best Suited For: · First-times home buyers · Borrowers with limited personal funds for down payments and closing costs · Borrowers on modest incomes Absolute Zero Mortgage Pre-Qualify Online Rates: · Fixed interest rate loan Features: · 0 points and 0 closing costs · Competitive fixed rate pricing · Finance with as little as 3% down Benefits: · Allows buyers to save on closing costs and use the savings towards their down payment instead · Gives borrowers an opportunity to refinance and reduce their interest rate without paying expensive closing costs make buying easier Best Suited For: · Ideal for those limited on cash to close their loan · Best for those considering a move or refinance in 5-7 years · Ideal for those who want to reduce their rate without paying for points or closing costs · For those with limited down payment who want to buy now instead of later · Restricted to owner occupants FHA/VA Pre-Qualify Online Rates: · Fixed or adjustable interest rates Features: · Requires little or no down payment · Flexible qualifying guidelines Benefits: · Low down payment · Certain closing costs may be financed · Less cash on hand required to qualify Best Suited For: · First-time home buyers · Borrowers on modest incomes · Eligible veterans Flex 100 Pre-Qualify Online Rates: · Fixed long term rates Features: · No down payment · Able to use "flexible" funds for closing cost such as gifts, grants, or unsecured loans from relatives Benefits: · No income limits · Stable monthly payments for term of the loan · Possibly maximize your tax deduction Best Suited For: · Borrowers with excellent credit · Borrowers on modest incomes · Eligible veterans Rural Housing Service Loan (RHS) Pre-Qualify Online Rates: · Fixed long term rates Features: · No down payment · Guaranteed loan to assist eligible households in rural areas Benefits: · No reserves required · May be able to finance all closing costs Best Suited For: · Limited to owner occupants · For borrowers located in rural areas Construction Loans Pre-Qualify Online Rates: · Fixed or adjustable interest rates Features: · Interest only payments during the construction period · Permanent financing means applying only once · Competitive pricing Benefits: · Buy your land and build, all with one permanent financing plan · Interest only payments provide some relief on the budget during the construction period · Flexible pricing to meet your construction contract terms Best Suited For: · Those planning to buy land and build within a year · Large dollar home improvement projects Home Improvement Loans Pre-Qualify Online Rates: · Fixed long term interest rate loan with competitive pricing Features: · As little as 5% down payment Benefits: · Buy a home and renovate with one loan · Stable monthly payments for term of loan Best Suited For: · Those who are owner occupants, second homeowners and investors · Those who want to buy a "fixer-upper" Second Mortgage Pre-Qualify Online Rates: · Fixed rate and adjustable rate mortgages Features: · Competitive pricing Benefits: · Use the equity in your home to consolidate higher interest rate loans, purchase automobiles, make home improvements and more. · Does not affect a current low rate first mortgage Best Suited For: · Those with established equity in their homes · Best for shorter term obligations Land Loans Pre-Qualify Online Rates: · Fixed rate or adjustable rate mortgages available Features: · Competitive pricing Benefits: · Buy the land now, build later · Recieve a discount on fees when applying for a construction loan at First Hawaiian Bank within a 1-year period Best Suited For: · Those seeking to invest in land, but not ready to build just yet About Us | Career Opportunities | Bancwestcorp.com | Member FDIC | Equal Housing Lender | Site Map | Contact Us

Buy Home

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Foreclosure Property

Investing in Pre-foreclosures and Foreclosed Property THE SOURCE FOR INFORMATION ON FORECLOSURE OUR MOST POPULAR PAGES Bank Foreclosures - REO Pre-Foreclosure Homes Foreclosure Help Foreclosures Discussion Real Estate Investing Sites FORECLOSURE ARTICLES Ready to Invest? Foreclosure Investing 101 Foreclosure Investing 111 Buying at Trustee's Sale Finding Foreclosures Determining Property Value Real Estate Foreclosures FORECLOSURE RESOURCES CA Foreclosure Time-Line Investment Tools Sources for Comps CA County Resources Real Estate Definitions INFORMATION & LINKS Foreclosure Industry Links Avoiding Foreclosure Scams Equity Buyout Scams Trustees and Posting Co.'s "How To" Information Curb Appeal Importance HOME MAIL Investing in Pre-foreclosures and Foreclosed Property Would you buy a house for $150,000 if you could buy the house next door in the same condition for $100,000? If you are a smart investor, I'm going to bet you wouldn't. If you are just beginning as an investor and need information, how are you going to get it and how much are you going to pay? THE SAME CONCEPT APPLIES! You can easily get a basic understanding of the stages of foreclosure, how to purchase property at each stage of the process and ways to obtain financing for your purchase for free or at a very nominal cost. Libraries, bookstores and many websites all offer free or low cost information. Obtain the basic information, read it once, then continue reading it until you KNOW all the material. Your success is not going to be handed to you, you have to become an authority on the investment approach you choose. The confidence and knowledge you will obtain are essential keys to success. No seminar or course costing hundreds or thousands of dollars will put the confidence and knowledge in your mind, YOU have to make the decision and effort to get it there. THERE ARE NO SHORTCUTS! Seminars Books and Courses Cash Investors Personal Counselors Recommendations Avoiding Scams Seminars An easy way to spend a lot of money. The personal motivation inspired by the speaker will always last long enough to provide you time to buy the books or courses. If you are truly motivated to become an investor, you don't need a seminar. On a positive note, if you are an active investor and have already bought a course to increase your knowledge, a seminar is one way to allow the author or presenter to expand on their printed material. TOP Books and Courses Available at Libraries, Bookstores and Websites. Balance the cost against the information presented. You can't really argue the benefits of a twenty dollar book against a seventy dollar book, both undoubtedly have good points and bad points. Try to find the most appropriate information for your situation at a reasonable price. Courses costing hundreds of dollars or more should not be purchased by a new investor. When you have the basics down solid and want additional information or specialized information, then consider additional courses. Remember, your success will not be determined by the size of your library, but by your motivation and knowledge. TOP Cash Investors Take our course, we'll back you up financially! Great sales pitch and I'm sure it would happen if the property could be purchased cheap enough, but anyone can find a cash investor. The hardest part is finding the property. You don't know any cash investors? Look in your local Yellow Pages under Real Estate Loans. Look for ads that say "All Credit" or "Any Credit", typically these are hard money lenders(cash lenders) who have investment money. Can't find any? Look in your local newspaper for real estate ads saying "We Buy Houses", these will often be cash investors. Still can't find any? Look in your local legal newspaper for Notices of Sale. A location will be listed where properties in foreclosure are going to be auctioned off. Go to the location at the time specified and talk to the investors who show up. These are investors used to dealing with properties in foreclosure, find out their requirements, get phone numbers and you are all set. TOP Personal Counselors Sign up with us and we'll provide one-on-one help for as long as you need it. Oh, I'm sure they have experienced investors just sitting around waiting for the phone to ring. There are newsgroups where you can have your questions answered, but your best source of help is going to be investment clubs. Clubs are comprised of local investors who will share information and resources with you. They will have a good grasp on area values and should be able to help you more than anyone else. Plus, if you haven't found a cash investor yet, this is a good place to find one or get referred to one. Look in the Yellow Pages under "Clubs","Associations","Real Estate" or various web sites have lists. TOP Recommendations Take a deep breath, relax and plan your success. You'll need information, resources and knowledge. Find a local investment club, ask where and when they meet, go to all the meetings, absorb everything you can and make contacts. Evaluate the books and information you have seen, pick a source and start reading. Follow the web site discussion groups, print articles that have resources or solid information and save them. Read all the articles you can find on different web pages, it will add to your knowledge. Consider completing a Real Estate Licensing Program Many established real estate companies provide subsidized Real Estate Licensing School. If you do not have a background in real estate, this is a fairly inexpensive way to get an education regarding the technical processes involved, what is necessary to sell a home plus all sorts of additional knowledge. Many companies charge a higher fee if you do not get your license and work for their company, so be sure to shop, an independent school might be cheaper. Look in the Yellow Pages under Real Estate Schools. Keep in mind that if you actually obtain your real estate license, you have different legal considerations than if you are unlicensed. Even if you don't actively sell property full-time, when licensed, you are considered a real estate professional. Go to Open Houses Every weekend houses are held open by Realtors. Go to all the open houses in your area every weekend. You'll learn what sells, what doesn't, what the price ranges are in different areas and start to build a knowledge base of property in your area. It takes gasoline and time, but it's the best way to get a feel for what values are in a given area. Build your Resource File Organize your information and file it. Individual properties will come and go, but six months from now, you don't want to find a property that suits a cash investor's requirements and discover that you cannot find the investor's phone number. Or you were supposed to check back with a property owner this week, but you can't find the paperwork and don't remember the address. The only way to keep track of everything is to have organized files that you use. Understand it doesn't happen overnight. Honestly, the first few times you try to put a transaction together, I would expect problems. It's part of the education process. As long as you don't make the same mistakes again, you'll only get better at what you do. Education is the first big hurdle, the second one is experience, and there's only one way to get that. To just do it. TOP When everything is looked at, MOTIVATION is the base for all of it. You have to be motivated to get the education, you have to be motivated to get the experience and you especially have to be motivated to keep on doing it through the times where nothing seems to be going right. ARE YOU MOTIVATED?

Real Estate Loan

Century 21 Real Estate: home buying, home selling, financing and property listings. español Put My Century 21 to work for you, simply register your email address and create a password. Once you're registered, you'll be able to • save property descriptions • store your search criteria • file agent information • build a custom library Find out more or register now! Already registered? Sign in . -- Welcome to Century 21 Real Estate Century 21 Real Estate is your online resource for home buying, home selling, financing and property listings. Whether it's a house, condo, or any other type of property, we can assist you with your real estate needs. Search for Properties Looking to buy a new home, condo or any other property? Search thousands of properties in our real estate listings. Search Property Listings » First Time Homebuyers Guide » View Our Buyer Service Pledge » International Century 21 Real Estate LLC is part of the largest real estate referral network in the world - with over 110,000 brokers and sales associates in over 30 countries and territories. Access our world offices today» Sell a Property Let our real estate agents create a customized marketing plan to sell your property. List your Property » View Our Seller Service Pledge » View Mortgage Rates View current mortgage rates, apply for a home equity loan, crunch numbers with home mortgage calculators and more! Apply for a Mortgage Now» Use Our Mortgage Calculators » Find an Office or Agent Find and contact a CENTURY 21 Office or Agent to handle your real estate needs. Find an Office or Agent » Quick Vote! Your vote counts! Let us Know Where do you spend the most time? Bedroom Living Room Kitchen Bathroom Dining Room ©2005 Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each CENTURY 21 Office Is Independently Owned And Operated. All rights reserved. Information appearing on this site has been produced by or obtained primarily from Century 21 Real Estate LLC and its representatives and from CENTURY 21 franchisees. Century 21 Real Estate LLC is not responsible for the accuracy or completeness of the broker information, sales associate information, listing information or other information provided by our franchisees appearing on or through this site. Such information has been provided by independent third parties who are solely responsible for such content. Certain conditions and restrictions apply to System promotions. Terms and Conditions of Use.

Selling Home & Garden

10 Steps to Take Before You Sell Your House - Home Selling  You are here: About > Home & Garden > Home Buying / Selling > How To Sell a House > 10 Steps to Take Before You Sell Your House - Home Selling Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses   Search Home Buying / Selling Stay up to date! Email to a friend Print this page More Home Selling Articles Understanding Material Facts and Property Disclosures Get Ready for Your Home Inspection Should You Buy a Home Warranty? More Home Selling Resources How to Read the HUD-1 Settlement Statement Getting the House Ready to Sell How To Measure Your Square Footage Recent Discussions Excellent credit, no savings- help!! Buying an out of state home ? Re-financing... Related Blogs Mortgage Fraud Blog The Real Estate Blog The Money Pit Most Popular Modular and Manufactured Homes Finding Your Best Place to ... Home Buying Don'ts First Time Home Buyer Tips Before You Sell Your Home What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Related Topics Home Repair Architecture Credit / Debt Management Housekeeping Landscaping 10 Important Steps to Take Before You Sell Your House From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Essential Home Selling Preparations The home selling process differs from state to state, but there are some important steps that most home sellers should take before listing a house with an agent or selling it for sale by owner. Every bit of prep work you do helps you get the most return from your investment. 1. Get Pre-Approved for a Home Loan I've known sellers who signed a contract to sell their house before they knew if they were qualified to buy another. Either their financial circumstances had changed since their last purchase, and they could no longer qualify for a loan, or they weren't able to sell at a price that allowed them to buy the type of replacement house they wanted. They ended up renting or buying something that was far from ideal. Before you decide to sell the house, get pre-approved by a lender you trust and research the housing market in the area where you wish to live so that you have a good idea how much it will take to buy a replacement. Start looking for two types of real estate: houses that seem to match the one you'd like to buy and houses that are similar to your current home. How do the two categories compare in price? Can you handle the difference if you're planning a step up? Mortgage Helpers: Are You Pre-Approved for a Mortgage? And to compare for-sale homes to your own, learn how to Measure Residential Square Footage . 2. Check Your Mortgage Payoff Call your lender to check the payoff for your current home mortgage. You'll need the figure to complete Step 6. 3. Determine How Much Your House Is Worth Determine your home's fair market value. Real estate agents will usually help you determine value as a courtesy, but you might take it a step further and order an appraisal . 4. Estimate Your Costs to Sell Real estate commission if you use an agency to sell. Advertising costs, signs, other fees if you plan to sell by owner. Attorney, closing agent and other professional fees. Excise tax for the sale. Prorated costs for your share of annual expenses, such as property taxes, home owner association fees, and fuel tank rentals. Any other fees typically paid by the seller in your area (surveys, inspections, etc.). Real estate agents deal with transactions every day and can give you a very close estimate of seller closing costs. 5. Estimate Costs to Buy a New Home Calculate moving expenses, loan costs, downpayment, home inspections, title work and title policy, paying for a new hazard insurance policy--all expenses related to buying a home. Your lender should give you a disclosure of estimated costs when you apply for loan pre-approval. 6. Calculate Your Estimated Proceeds Deduct your mortgage payoff from your home's fair market value. Deduct your costs to sell from the remainder to get an estimate of the proceeds you will be paid at closing. Will your closing proceeds cover your costs to buy a new home? If not, do you have cash or other funding to make up the difference? 7. Make Necessary Repairs Make all needed repairs unless you want the house to be regarded as a fixer-upper. I'm not referring to cosmetic updates--just items in need of repair. Anything that's obviously broken gives potential buyers a reason to offer you a lower price, especially if it's one of several repair hot spots that worry buyers the most. 8. Get the House Ready to Show Most houses need at least a little spiffing up before they are shown to potential buyers. Great curb appeal , fresh paint indoors (and sometimes out), organized closets and cabinets, sparkling clean windows and appliances and a clutter-free look are essential if you want the house to appeal to buyers. Be sure to avoid the things buyers hate most about houses. 9. Get Psyched Up to Let People In If you're listing with a real estate agent, she'll ask you to leave when the house is shown. Why? Because lurking sellers make buyers nervous--they don't feel comfortable inspecting the house when they feel they are intruding in your personal space. Unless there's a valid reason for it, don't ask your agent to be present for all showings, because that requirement can be the kiss of death for showing activity. Other agents want privacy with their buyers and they don't usually have time to work around your agent's schedule. Make the house accessible. That means it should always be ready to show. Many agents won't bother showing a house that takes 24 hours to get into. 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