Buy a Home on Oahu
Welcome to Your Gateway to Paradise Living!
We are dedicated to helping you explore the incredible homes available on Oahu. Whether you’re seeking a beachfront escape, a vibrant city retreat, or a tranquil spot nestled in the island’s lush landscapes, you’ll find options to suit every lifestyle and dream. Below, you’ll discover the latest listings, each offering a unique slice of Oahu’s beauty and charm. Let us guide you in finding the perfect place to call home on this island paradise.
Find a Home
Neighborhood Guide
Our 5-Step Home Buying Process
What to Expect When Working With Us
Buying a home is an exciting journey, and we’re here to guide you every step of the way. Here’s what our process looks like:
1.
Initial Consultation
Let’s talk about your dream home! We’ll start with a conversation to better understand your needs, preferences, and goals. We will discuss the budget, timeline, desired location, and must-have features. We will also take this time to explain the entire process and answer any questions you have before we get started.
2.
Start the Home Search
Here’s where the fun begins! We’ll help you explore homes that meet your criteria, search for properties that we believe will perfectly fit your needs, and schedule home tours to see your favorite properties in person or virtually. As experts of Oahu, we will also share insider knowledge about neighborhoods, schools, and local amenities.
Keep an Eye on the Market
Sign up for lead alerts to be notified when new homes hit the market and be the first to pursue them!
3.
Make an Offer
Once we’ve found the perfect home, we’ll help you craft a competitive offer. Based on market data, we will determine a fair offer price. We will then submit the offer and negotiate with the seller on your behalf to advocate for you and secure the best possible terms.
4.
Finalizing the Details
As closing day approaches, we’ll help you tie up any loose ends. We will review all closing documents to ensure accuracy, verify that all agreed-upon repairs have been completed, and arrange for a final walkthrough of the home.
5.
Closing Day
In this step, you will get the keys to your new home, and congratulations—it’s time to celebrate! You will Sign the final paperwork to transfer ownership and take your first steps into the next chapter of your life.
Helpful Tips
Want to do some research before meeting with us? We’ve got you covered! Figure out your mortgage budget, learn your loan options, and get the condition of the current market delivered straight to your inbox!
Mortgage Calculator
Using our mortgage calculator can help you determine your budget, allowing for a more informed search for homes that fit your needs.
Loan Information
Financing your home is one of the most important steps in the buying process. Understanding your loan options can help you make informed decisions and choose the best fit for your financial situation. Here’s a breakdown of the most common types of mortgages:
Conventional Loans
What it is: A conventional loan is a mortgage that is not insured by the federal government. It’s typically offered by banks and private lenders.
Best for: A conventional loan is best for buyers with good credit and a steady income who can afford a higher down payment.
Key features:
- A down payment as low as 3% (depending on the lender)
- No private mortgage insurance (PMI) required with a 20% down payment
- Flexible terms of 15,20, or 30 years.
FHA Loans
What it is: An FHA loan is backed by the Federal Housing Administration (FHA) and designed to help first-time buyers or those with lower credit scores.
Best for: An FHA loan is best for those with limited savings or those with credit challenges.
Key Features:
- Down payment as low as 3.5%
- Looser credit requirements
- Requires mortgage insurance premium (MIP)
VA Loans
What it is: A VA loan is a program backed by the U.S. Department of Veterans Affairs (VA) that helps eligible veterans, active-duty service members, and their families find housing.
Best for: Military members or veterans looking for affordable home financing.
Key features:
- No down payment required
- No private mortgage insurance (PMI) required
- Competitive interest rates
Have Loan Questions?
We understand that figuring out how loans work, which type to choose, and who to go through can be challenging. If you have specific loan questions or want to speak to a professional, contact our loan expert, Justin Guedon.
Market Report
See what the current market is for specific areas on Oahu, and stay up-to-date by signing up below for monthly market reports delivered straight to your inbox!
Open Report
Frequently Asked Questions
How can I learn more about the local schools?
When relocating or purchasing a home in a new area, having accurate and up-to-date information about schools is essential for parents. GreatSchools is a nonprofit organization dedicated to offering comprehensive information on schools across the nation, including ratings, reviews, and detailed insights into academic performance, extracurricular activities, and community involvement. Whether you want to compare different schools or find one that best meets your family’s needs, GreatSchools can help you make an informed decision, ensuring your child’s education flourishes in your new neighborhood.
How much money do I need for a down payment?
The amount can vary depending on the type of loan you have. This can range from as little as 3% up to 20%.
How long does it take to buy a home?
The timeline for this can vary for each individual and their specific needs. But typically, it takes 30-60 days from making the offer to closing day. The actual home search phase can take weeks or even months.
What are closing costs, and how much should I expect to pay?
Closing costs are the fees for the lender, title company, inspections, and others. This typically ranges from 2% to 5% of the home purchase price.
Do I need a home inspection?
Yes. A home inspection helps identify potential issues with the property before you purchase. This helps you to make a smart and sound investment.
Can I buy a home with bad credit?
Yes, but your options may be limited. FHA, VA, and other programs are available for those with credit challenges. Although it is a good idea to work to improve your credit to help secure better terms.
How do I know if a home is priced fairly?
Your real estate agents will provide comparative market analysis to evaluate the home’s value based on recent sales of similar properties in the area to ensure the property is priced “fairly.”
Ready to Get Started?
So are We!
Send us a quick form to start your home-buying process today.