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Interview with Real Estate Brokers - HUD HUD News Newsroom Priorities About HUD Homes Buying Owning Selling Renting Homeless Home improvements HUD homes Fair housing FHA refunds Foreclosure Consumer info Communities About communities Volunteering Organizing Economic development Working with HUD Grants Programs Contracts Work online HUD jobs Complaints Resources Library Handbooks/ forms Common questions Tools Webcasts Mailing lists Contact us Help Interview with Real Estate Brokers Information by State Esta página en español Print version Email this to a friend So your sister just introduced you to her friend Irving, a real estate agent, and now you can't get rid of him, right? Wrong! Choosing the right person to sell your home is one of the most important steps of selling. Therefore, choose wisely. At a minimum, speak with 2 or 3 brokers from different agencies. Ask prospective brokers the same list of questions, in order to compare their answers. Find out what they would do to sell your house. Above all, choose a broker that you feel comfortable with and like. This person will help you make the biggest sale of your life, so find someone you think will do a good job! The following is a list of questions that may be helpful to ask while speaking with prospective real estate brokers. How many years have you been in business? For how long have you sold houses in this area? How many houses did you sell in the past year? What is your commission? If I were to work with you, how would you market my house? Will you organize meetings with potential buyers and will you coordinate them personally? Can you give me names and telephone numbers of other families that have used your services? Content updated January 7, 2004 Back to Top FOIA Privacy Web Policies and Important Links Home U.S. Department of Housing and Urban Development 451 7th Street S.W., Washington, DC 20410 Telephone: (202) 708-1112 TTY: (202) 708-1455 Find the address of a HUD office near you
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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
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