Maui Bus Routes 08/22/2009
For Maui Bus Routes, go to http://www.co.maui.hi.us/index.aspx?NID=1310 Download the bus schedule below: 
Add Comment Backpacks to School 08/22/2009
Prudential Locations Maui, its clients, agents and employees participated in the school supply drive that resulted in more than 70 backpacks for children living in a Homeless Shelter in Maui. Each backpack was filled with school supplies according to the school and grade each child goes to, from Pre-School to Senior High School. As Aunty Esther, coordinator of the Shelter put it: "You helped put smiles in those children's faces! Thank you to al l who participated!       You found your dream home online. Now what? 08/21/2009
Now a days, you don't need a Realtor to tell you what houses are on the market: You find them yourself online! However, helping you find a house is just one of the multiple tasks Realtors perform to facilitate a smooth purchase process. From finding a lender, to opening escrow, coordinating the various inspections, obtaining reports and financial estimates, and bringing you the keys to your new home, the services a Realtor can provide are very valuable, especially if this is your first home purchase. So, take advantage of all real estate websites to find the home you like, and then have your favorite Realtor help you throughout the process. To search for homes in Maui and all Hawaii Islands, go to my website at www.MyMauiOpenHouse.com. By Vivian Franco, R(S) Prudential Locations Maui The last step in the home buying process is what real estate professionals commonly refer to as “the closing.” The closing, or settlement or close of escrow, is when all the progressive steps in buying a home from the acceptance of the offer, title search, home inspection, mortgage approval, and so on, come together in a final transaction. The documents are ready to sign, the buyer is ready to hand over the purchase price and the seller is ready to transfer title—and most importantly the keys! Usually held in an office setting, most require about an hour and may be attended by some or all of the various parties in the process: the buyer, seller, real estate sales professionals or attorney, and title-company representative. What goes on during the closing? The buyer reviews and signs loan and real estate documents, as well as pays for the property, closing and other costs. One such loan document is the federal Truth-in-Lending disclosure form which describes the annual rate of financing (APR), finance charges, amount financed, total of payments and the payment schedule. There will also be a form itemizing what your monthly payment consists of including the principal, interest, taxes, insurance and other monthly charges. If everything is in order, the buyer signs the loan papers. Real estate documents are just as important. There’s the HUD-1 form, which you have the right to inspect at least one day before the closing. This statement itemizes services provided and the fees charged for the entire real estate transactions. There will be a breakdown of the seller’s and buyer’s (borrower) financial obligations. Some of the charges include appraisal fee, credit report fee, loan origination fee, loan discount (points), title insurance fee, government recording fees, PMI Premium, inspections and attorney fee. Other real estate documents that may be reviewed and/or signed include title documents, warranty deed (which transfers the title of the property) and other acknowledgment of reports. Assuming that the funds are in order, the deed is correct and the title is clear, the final step is the disbursement of funds to the seller for the purchase price of the home. The title company should already have the loan funds in its possession, but the buyer will need to bring a cashier’s or certified check for the down payment and the closing costs if it was not included in the mortgage loan. If the buyer’s annual real estate taxes and homeowner’s insurance will be paid through the lender, an escrow account will also be established. Once all the papers are signed and funds are disbursed, the buyer will receive the keys and is now a homeowner. Vivian Franco can be reached at vivian.franco@pruhawaii.com. Prudential Locations Maui is an independently owned and operated member of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Equal Housing Opportunity. Kihei Community Association Meeting 08/17/2009
Don't miss this months Kihei Community Association Meeting this Tuesday, August 18th, at 6 PM, at the Kihei Community Center (Lipoa and Piilani Hwy.). They are going to discuss the possibility of banning alcohol in parks where there are children playgrounds. Get your voice heard either if you're in favor or against the proposal. We need to hear all positions on the subject! By Vivian Franco, R(S) Prudential Locations Maui You’ve made the decision to sell your home. Even if you’ve sold a house before, this process can be daunting because it is a major financial transaction that involves many steps from selecting a sales professional and marketing the home, to negotiating with buyers and finally receiving funds at the closing. Yet, the home-selling process doesn’t have to be intimidating if you know what to expect. The process can be divided in nine steps. Step 1: List your property with a real estate professional. Select someone who is knowledgeable, listens carefully, and with whom you feel comfortable. Interview at least three real estate professionals. Use their listing presentations to compare their preparation and professionalism. Don’t base your selection solely on selling price or commission. It’s probably best to avoid working with someone who promises you the moon—in this case, an unrealistically high price—then has to make price reductions until the property sells. Instead, focus on marketing plans, service and past results. Step 2: Establish price and time frame.Determining a fair asking price is crucial in this market. Price the property too high and it could languish on the market. Of course you could always decrease the price later, yet you’ve lost potential buyers. Your real estate professional can help you determine true market value based on a comparable market analysis, which will include recent home sale transactions as well as homes currently on the market. Supply and demand, craftsmanship, amenities, condition and any special circumstances can also impact price. For instance, a relocation move might necessitate a quick sale. Step 3: Develop and implement a marketing strategy. To get the most exposure for your home, you should have a marketing plan with clear objectives and an outline of specific resources to be used. Your plan should include a mixture of conventional and online marketing to optimize your reach to potential buyers. Step 4: Get Your Home in Show Condition. Remember, you only get one chance to make a first impression. So make sure your home is in tip-top shape inside and out. Eliminate clutter and remove personal items. Refresh the paint, clean the carpets and make minor repairs. Keep the grass trimmed and add color to your landscape. You may also want to consider hiring a professional to stage your home. A home in move-in condition is much more attractive to buyers in a competitive market. Step 5: An offer is submitted. Once your home is on the market, a buyer will make an offer through his/her real estate sales professional. The buyer’s sales professional will present the offer to your representative, who will promptly relay it to you and help you evaluate the offer. Step 6: The negotiation process begins and eventually an offer is accepted. One of the most critical roles played by your real estate professional is in the negotiation phase. Negotiations over the terms of a home-purchase contract can be extremely sensitive.The process of offer and counter-offer may go on until parties arrive at an acceptable contract, which can go very quickly or take days, even weeks. Step 7: Buyers submit a loan application and home inspections are scheduled. Most often, the loan approval is contingent upon a satisfactory appraisal and various inspections. Step 8: The loan is approved and the closing process begins. Once the buyer’s home loan has been approved, preparations begin for the closing. The closing, also referred to as settlement or close of escrow, is the final step toward completing the sales transaction between the buyer and seller. During this process,your sales professional will funnel all the necessary closing documents to the escrow agent. This may include the deed, mortgage, tax receipts, a Certificate of Occupancy and other documents. A final walk-through will also be scheduled. Once the escrow agent receives the paperwork and the funds pertaining to the sale of the property, the escrow is closed. Step 9: Time to move! Of course this is a simplification of what is otherwise a complex transaction. As you are going through each stage of the process, look to your real estate professional to provide guidance so that you feel comfortable every step of the way. Vivian Franco, R(S), can be reached at vivian.franco@pruhawaii.com Prudential Locations Maui is an independently owned and operated member of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Equal Housing Opportunity. | Vivian FrancoRealtor (S), e-Pro, M.S.   ArchivesOctober 2011 | ||
