For buyers (first-time, VA, investors)

We start with a short call or meeting to talk about your goals, budget, and timing, and to answer your biggest questions about buying in Hawaii. We’ll also talk through basics like down payment, credit, and whether you’re using a VA loan, conventional financing, or cash so we can set realistic expectations from day one.

Next, I connect you with lenders (including VA-experienced lenders if you’re a veteran) to get pre-approved, which most Hawaii sellers expect before considering offers. Once we have your pre-approval, we’ll refine your price range so we’re only looking at homes that truly fit your budget and comfort level.

Together we narrow down neighborhoods and property types that fit your lifestyle—commute, schools, amenities, and long-term plans—plus any investor criteria like cash flow or appreciation potential. This keeps our search focused and helps you avoid wasting energy on homes that don’t really work for you.

We set up a smart search, review listings that match your criteria, and tour homes in person or virtually. As we go, I’ll point out red flags, value opportunities, and local nuances (like building issues or association rules) so you can make informed choices, not emotional guesses.

When you’re ready to make an offer, I’ll pull recent comparable sales, review the property’s history, and recommend terms that balance protecting you with staying competitive in our market. We’ll walk through contingencies, timelines, and negotiation strategies so you understand what you’re signing and why.

Once your offer is accepted, we enter escrow: inspections, disclosures, appraisal, and loan underwriting all happen here. I coordinate closely with your lender and escrow, help you interpret inspection reports, and support you through any repair or credit negotiations that come up.

After conditions are met and the loan is cleared, you’ll sign closing documents, we wait for recording, and then you get your keys. I’ll review your final numbers with you before signing and stay available even after closing for questions about your new home, referrals, or future plans.