A buyer must be prepared to buy due to the time factor.  For example, the publication of a pre-foreclosure is one month prior to notice of service to the owner.  Within that one month period an opportunity of presenting an offer to the owner may be available.  So it is very imperative to be pre-approved.   In most circumstances the buyer needs to have available monies for a down payment.  It is usually 10% to 20% of the sales price.  If you don't have a down payment, there may be loan programs such as the FHA Stimulus Program which offers low or no down payments.   Interest Rates are low.  Call a Lender for information.

Please contact a lender to pre-qualify.   It is free, with no obligation.  Find a list below of reputable responsible lenders that will assist you.

Mahalo


Kara P. Beltran
Independent Loan Officer
Office:  249-8100  Cell:  283-1640


Anna Revilla
Independent Loan Officer
Office:  249-8100  Cell:  276-0571


Central Pacific Homeloans
33 Lono Avenue, Suite 200
Kahului, Hi  96732
Office:  (808) 871-0986
email:  srobinson@cp-homeloans.com
Loan Officer:  Sharon S. Robinson



Wells Fargo Home Mortgage
70 Kaahumanu Ave Suite A-12
Kahului, Hi  96732
Office:  (808) 873-3713
email:  renee.kaiama@wellsfargo.com
Loan Officer:  Renee Kaiama



 







Please let them  know that  I referred you. 

Rana L Nuesca, Realtor
Richard Ball Realty LLC
direct cell  808-870-1877    

Thank you!