If you own real estate in Kauai and you're thinking of selling, I would be happy to provide you with a Free Home Evaluation.  My primary goal is to Price your home correctly so that it sells for the highest price, in the shortest amount of time, with the least inconvenience to you.

If you are thinking about purchasing a property on Kauai, know that I will show you all properties available & that my goal is to find you the right home.  Kauai's real estate market remains in high demand & is very desireable.  Many good homes are sold before they are ever advertised.  Be the first to find out about the best new properties for sale in Kauai with my New Listings Notification. 

And if you have any general questions about buying or selling real estate, please don't hesitate to Contact me because your dreams are my priority.

FHA Loans Can Ease Mortgage Dilemmas

Potential home buyers may be hesitant as they start their hunt in today's market, but many quickly discover that their market is full of choices, sellers are becoming more willing to negotiate, and interest rates are still low.

That's not to say there will be no setbacks. The hard part may come when they go shopping for a mortgage. Minnesota Mortgage Association President Tim Bendel said 100 percent financing has all but disappeared. He advises borrowers with good credit scores seeking a conventional loan to come to the table with at least a 5 percent down payment. Borrowers with credit scores below 700 may need a more significant 20 percent down payment.

But there is help on that front. The answer for some buyers is a Federal Housing Administration (FHA) loan. Credit scores count less with FHA loans; the more important factor is whether the potential borrower has paid other bills on time, says Todd Johnson, CEO of Edina Realty Mortgage. FHA's government-backed loans require only 3 percent down and allow cosigners and gifts for down payments.

Source: Star-Tribune, Kara McGuire (08/06/2008)

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