Lucky We Live HI

#LuckyWeLiveHI

In this generation of social media sharing and crazy hashtags, #LuckyWeLiveHI is a pure & true hashtag that allows us to share our LOVE for Hawaii.  It has far greater meaning and depth than any other hashtag of its kind!  #LuckyWeLiveHI speaks for itself, we are truly lucky to live in Hawaii, and better yet, Maui!  The moment you touch your toes on this magical Island you can feel the Aloha.  If you follow the Golden Rule “Treat Others How You Want to be Treated”, with a genuine heart, you will be welcomed in the hearts and homes of Maui’s Ohana.

To fully embrace the magic of Maui you must immerse yourself in the culture and the way of Maui life, The Way of Aloha.  Aloha comes from within; Living with Love, Peace, & Compassion. Please visit the following sites to dive deeper into the Meaning of Aloha so that you may live it regardless of where you are.  Practice it in respect of yourself and for the people of Hawaii so that it is never lost. We must Keep Hawaii, Hawaii:

The Deeper Meaning of Aloha

The Aloha Spirit

Maui is a place where healing happens, adventures never end and finding one’s true self is possible by realizing the simple life, once again.  Embracing the little things in life that make us happy like sand between our toes, salty kisses, chasing waterfalls, witnessing some of mother nature’s most beautiful gifts and cherishing time with friends & family.

Maui blesses us with diversity in climate and people.  From the cool crisp air and lavender farms in Kula, to the rain & lush landscape on the adventures to Hana, to the West side where the warm tropical sunshine kisses your skin, surf boards are never lacking, and no matter where you are people are embracing the beauty and magic of the Island. Maui has become a melting pot of people looking to ground themselves, but we all must remember one thing….to live in Maui we must live the Maui life, The Way of Aloha.

This thing they talk about “Island Fever” is just a head game.  No matter where you live in the world you get “Island Fever” and have to get away.  In reality though, there is more to do and see in Maui than in any other area of the same size.  You can be in at the top of the Volacano at sunrise, swim in fresh waterfalls, hike, surf, paddle, fish, hunt, canoe, camp, garden, farm, play in one of the many sports leagues, join one of the may hobby groups, head to one of our amazing beaches, or simply enjoy your Ohana…. (I could go on and on!!)  Maui is one of the few places that you can find a deserted beach or a quiet cove and have such a wide variety of things to do in such a small span of space, in the middle of the ocean!

I encourage each of you to dig deep to find, embrace, and live your Aloha daily; to not take for granted the magical life that Maui offers, and give back to Maui as it has given to you.  Cherish each day as we are truly #LuckyWeLiveHI!!

Please feel free to leave a comment and let us know why you are #LuckyWeLiveHI!!!

Lucky We Live HI

PREPARING TO BUY A HOME

ARE YOU LOOKING TO BUY A HOME IN THE NEXT 6 MONTHS….A YEAR…OR TWO??  

GET STARTED NOW!!!

 

 HOME SEARCH TOOLS AT YOUR FINGERTIPS 

 CLICK HERE to set up a free up-to-date CUSTOM HOME SEARCH that will be emailed to you as properties hit the market!

 TEXT “HOME SEARCH” TO 808-346-7961 FOR A FREE HOME SEARCH APP TO USE ON YOUR PHONE 

 CHECK YOUR CREDIT SCORE NOW!   

BE PREPARED, NOT SURPRISED!  

A MORTGAGE LENDER WILL BE ABLE TO GET YOU YOUR CREDIT SCORE AND HELP YOU DETERMINE IF YOU ARE ABLE TO BUY A HOME NOW

IF YOU FIND OUT THAT YOUR CREDIT IS GOOD…. THEN YOU HAVE ONE LESS THING TO WORRY ABOUT

A GOOD CREDIT SCORE ALLOWS YOU TO GET A HOME LOAN

A GOOD CREDIT SCORE GETS YOU A BETTER INTEREST RATE ON YOUR HOME LOAN

IF YOU FIND THAT YOU HAVE POOR CREDIT…. WORK ON RAISING YOUR CREDIT SCORE TO QUALIFY FOR A HOME LOAN

CALL AROUND….MANY BANKS AND CREDIT UNIONS OFFER FREE CREDIT COUNSELING SUCH AS WAILUKU FEDERAL CREDIT UNION  IF YOU NEED HELP REPAIRING YOUR CREDIT

CLICK HERE TO OBTAIN YOUR CREDIT SCORE FOR FREE

KNOWLEDGE IS POWER!

 

 DETERMINE HOW MUCH YOU CAN & WANT TO AFFORD 

MEET WITH A MORTGAGE LENDER TO SEE EXACTLY HOW MUCH YOU CAN BORROW

THE MORTGAGE LENDER WILL GET YOU PRE-QUALIFIED FOR A HOME LOAN AMOUNT

YOU SHOULD NOT PUT IN OFFERS TO BUY A HOME UNTIL YOU HAVE A PRE-QUALIFICATION LETTER FROM YOUR LENDER

A PRE-QUALIFICATION LETTER SHOWS SELLERS THAT YOU CAN AFFORD TO BUY THEIR HOME

HOW MUCH YOU CAN AND HOW MUCH YOU WANT TO AFFORD MAY BE TWO DIFFERENT THINGS

JUST BECAUSE A BANK WILL GIVE YOU $700,000 DOES NOT MEAN THAT YOU ARE COMFORTABLE MAKING THAT PAYMENT EVERY MONTH

THIS IS A BIG DECISION, SO TAKE THE TIME TO THINK ABOUT WHAT YOU CAN TRULY AFFORD PAYING MONTHLY 

 

 SAVE FOR A DOWN PAYMENT, CLOSING COSTS, AND MISCELLANEOUS EXPENSES  

IN TODAY’S MARKET YOU MAY BE ABLE TO FIND A LOAN THAT ALLOWS YOU TO PUT AS LITTLE AS 3-10% DOWN TO BUY A HOME

**IF YOU PUT DOWN LESS THAN 20% YOU WILL HAVE AN EXTRA MONTHLY PAYMENT FOR PRIVATE MORTGAGE INSURANCE (PMI)

PRIVATE MORTGAGE INSURANCE CAN BE ADDED INTO YOUR MORTGAGE PAYMENT

SAVE FOR INSPECTIONS AND CLOSING COSTS (THESE COSTS CAN BE NEGOTIATED IN THE OFFER FOR THE SELLER TO HELP PAY FOR)

SAVE FOR A RAINY DAY: HAVE MONEY SET ASIDE TO PAY YOUR MORTGAGE FOR 3-6 MONTHS IN CASE OF AN EMERGENCY, IF POSSIBLE

TRY TO DECREASE THE AMOUNT OF DEBT YOU OWE, IF POSSIBLE

 

 SEARCHING FOR YOUR DREAM HOME 

IT IS FREE TO HAVE A REALTOR WORKING TO FIND YOU A HOME…ONCE YOU BUY A HOME, THE HOME SELLER PAYS THE REALTOR

HAVE A REALTOR ON YOUR SIDE WHO WILL GIVE YOU THE MOST UP TO DATE NOTIFICATIONS OF HOMES HITTING THE MARKET

FIND A REALTOR THAT HAS YOUR BEST INTEREST IN MIND….

YOU WILL KNOW…TRUST YOUR INSTINCTS!

CONSIDER WHAT YOU WANT AND NEED IN A HOME….. SIZE, NEIGHBORHOOD, SCHOOLS, PRICE,  ETC….

RESEARCH NEIGHBORHOODS

IDENTIFY THINGS THAT YOU ARE WILLING TO COMPROMISE ON AND THOSE THAT YOU ARE NOT

BE READY TO PUT IN AN OFFER ON A HOME YOU LOVE, MAUI HAS LOW INVENTORY AND HOMES MOVE QUICKLY

 Email me: ashleymauihomes@gmail.com to provide you with MORE information on how to achieve these goals and provide MORE tips to be prepared to buy your next home