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Honolulu Real Estate Blog

Where Are Mortgage Rates Headed? This Fall? Next Year? | Simplifying The Market  

The interest rate you pay on your home mortgage has a direct impact on your monthly payment. The higher the rate the greater the payment will be. That is why it is important to look at where rates are headed when deciding to buy now or wait until next year.

Below is a chart created using Freddie Mac’s July 2015 U.S. Economic & Housing Marketing Outlook. As you can see interest rates are projected to increase steadily over the course of the next 12 months.

Mortgage Rate Projections | Simplifying The Market

How Will This Impact Your Mortgage Payment?

Depending on the amount of the loan that you secure, a half of a percent (.5%) increase in interest rate can increase your monthly mortgage payment significantly.

Dr. Frank Nothaft, the SVP & Chief Economist for CoreLogic, had this to

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What You Need to Know About the Mortgage Process | Simplifying The Market

Some Highlights:

  • According to Freddie Mac, 40% of buyers are putting less than 10% down, with many putting down as little as 3%.
  • Have a budget and stick to it!
  • Know your credit score and history!
  • Reach out to a professional who can help you with the process!

Source: Keeping Current Matters, August 7, 2015

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There is a plethora of real estate information available today in the news and on the internet. It can be extremely confusing at times.

If you are thinking of buying or selling, you need an agent who can help make sense of this rapidly evolving housing market. You need an agent who can help you price your home correctly at the beginning of the selling process. You need an agent who can help you determine what to offer on your dream home without paying too much or offending the seller with a low-ball offer.

Dave Ramsey, the financial guru advises:

“When getting help with money, whether it’s insurance, real estate or investments, you should always look for someone with the heart of a teacher, not the heart of a salesman.”

Hiring an

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In their latest Housing Market Insight & Outlook report, Freddie Mac revealed that recent low down payment initiatives have raised concerns that we may be returning to the same lax mortgage qualifications that caused the housing crisis from which we are just now recovering.

 

The report went on to explain that today’s underwriting guidelines are nothing like those that existed just prior to the housing meltdown.

 “Pre-crisis underwriting allowed layered risk, that is, the combination of multiple features that amplified credit risk. Low down payments often were combined with variable-payment loan structures, property-based underwriting, and questionable appraisals. These risk factors, along with the ‘irrational exuberance’ of some

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The State of Oahu Real Estate with Adrienne Lally and Attilio Leonardi


Chris Lethem is an advocate for promoting and helping grow the online and technology space for Hawaii. He talks about how, too often, the children in Hawaii are raised for "export." After they finish their schooling on the mainland, they move away to get jobs. By increasing the technology presence in Hawaii, which creates jobs, these graduates can stay in Hawaii and have more opportunities, more well-paying jobs, and better financial security and stability. In order to achieve this, Chris says that we need to build more infrastructure in Hawaii. With this added technology, bigger corporations might consider moving to Hawaii which can add hundreds of jobs.
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Today, Bradley Maruyama of Allstate Insurance joins us to tell us a bit about his team!  


Bradley has three locations, seven licensed agents, and two customer service representatives who make sure that you're always having a great experience with his team! He feels that the most important thing about insurance is to remember that it's just a piece of paper until it is redeemed.

When you make a claim, it's the moment of truth. Bradley's goal is to make sure that when you're paying a premium, he comes through and makes the experience as smooth and painless as possible! 

Three main things a homeowner should know about insurance:
  1. Know your home's value. Before you choose a policy, it is essential to establish your
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Vino Adventures Jim Tollefson On The Team Lally Radio Show   
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VinoAdventure is all about private, exclusive group tours - for a first class experience of enjoying wine and food. Jim Tollefson shared what everyone can expect on his tours, making sure that everyone is relaxed and enjoying themselves without having to worry about anything. Local transportation and hotel/boutique accommodation is taken care of for the visitors. 

These tours are not only available to groups of friends and families who wants this experience but also to corporate and small businesses as incentive programs.

Jim Tollefson | VinoAdventure Wine Tours | P.O. Box 75625 Honolulu, HI 96836 | 808-225-2126 | jim@vinoadventure.com

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topgunpainting1.com | 808-250-9159 | topgunpainting1@yahoo.com


 

In today's radio show, Adrienne and Attilio are joined by Cindy Perkins from Top Gun Painting. Cindy talks about how she became involved with Top Gun Painting. The services at Top Gun Painting include painting for residential and commercial properties, furniture refurbishment, water-proofing, and more. Cindy explains that they will do anything you need to make your house look beautiful. The versatility at Top Gun Painting is truly what sets them apart from other painting companies.

Team Lally Radio Show With Cindy Kramer of  Top Gun Painting

Announcer:  The following is a paid program and does not necessarily reflect the opinions of the staff, or management of Visionary

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Every week, Team Lally is committed to bringing you the latest in real estate news and the latest real estate strategies through our radio show. We have a very special show today with some very special guests, and we can't wait for you guys to take a listen.    First, we will be joined by Jim Owens of Hawaii VA loans who is going to talk to us about how he and his company make the loan process as simple and stress-free as possible for VA loan home buyers.   Next, our property management specialist, Duke Kimhan, will join us to discuss what's happening in the property management area of the market. Duke also discusses his 30 days or less rent guarantee, where he will pay your rent if he doesn't find you a renter within 30…
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Maui & Oahu Locations | stonerestorationspecialist.com  | email: tcstonerestoration@hotmail.com | 808-276-1813


Stone Restoration Specialist On The Team Lally Radio Show   
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Tanner Cook shares how his company, Stone Restoration Specialists, started and talks about their ability to effectively/consistently utilize the best cleaning products and procedures, specific to the surface they're working on.
Tanner Cook, owner of Stone Restoration Specialist, LTD shares how his company started and talks about their ability to effectively/consistently utilize the best cleaning products and procedures, specific to the surface they're working on. He has been operating in the state of Hawaii since 2004.

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