寺平美希子ハワイの不動産情報

Mikiko Terahira（RA)
RS-70424

COLDWELL BANKER PACIFIC PROPERTIES

In today’s market, real estate transactions are more complicated than ever. That is why when it comes to buying and selling real estate, the knowledge, experience and expertise of a professional is paramount. Mikiko Terahira is a full-time real estate professional who is dedicated to serve her clients with experience, professionalism and integrity.
Mikiko Terahira’s expertise in contract negotiations, title and escrow follow-up, financing and the entire scope and range of buying and selling real estate gives her clients’ peace of mind. As a top producer and salesperson at Coldwell Banker Pacific Properties, Mikiko has a wealth of real estate experience. Thus, she strives to provide real estate experiences beyond expectations.
Prior to real estate, Mikiko has many years of sales, business and finance experience as a Director of Sales for a major Waikiki hotel and she also owns and manages a cleaning service for many years of home service experience.
The dedication Mikiko commits to her business is the same commitment she makes to her clients. Find out today how Mikiko can provide you with real estate experiences beyond expectation.

Mr. and Mrs. Hirayama used to live US Mainland. After they retired, they decided to move to Hawaii. Their goal for their new house is the “super market or shopping center has to be within walking distance”. On that time, they met Miki who lives in Hawaii for 30 years. Mr. Hirayama said, “She has extensive knowledge and a distinguished career. Shortly after, she introduced us to many properties which suit our goals, and her work is very efficient. She gave us correspondence with compassion. Because of her, we could buy the properties with confidence. We still have a great, “family like” relationship, even in private.”

Introduction of Loan Officer

Matthew Casamina (Vice President)
HOUSE OF FINANCE
2300 North King Street
Honolulu, HI 96819
(808) 847-8493
(808) 230-4678 (Cell)

House of Finance, inc. offers VA, USDA, and Conventional loan programs. Our VA loan amounts can go up to $1,000,000! Call now for a FREE consultation.

House of Finance, Inc. was licensed on July 27th, 1995 as an Industrial Loan Business by Mr. & Mrs. Roland and Evelyn Casamina. Mr. Casamina, who is the current President and Chief Executive Officer of House of Finance, Inc., founded the company to service the people of the State of Hawaii when it came to the purchasing and refinancing of residential …

Our company is a full service mortgage bank where we emphasize speed, service, and low cost. The loan officers, processors, underwriters, and closers all exist within the four walls of House of Finance, Inc. The file does not leave our office for a review by the mainland.

We can help you determine approximately how much money you will be eligible to borrow before applying for a home loan. Prequalifications are evaluations of your credit that let you know how much you can afford.

The next step is determining your down payment, which depends on the amount of cash immediately available to you. Most home mortgage loan programs have minimum down payment requirements based on the amount you need to borrow compared to the actual value of the home. This is commonly known as the loan-to-value ratio, or LTV. For a refinance transaction, you can calculate the LTV by dividing the loan amount by the appraised value. For the purchase of a new home, this calculation is slightly different. LTV is calculated by dividing the loan amount by the lesser of the appraised value or purchase price.

The bigger your down payment, the lower your LTV. A low LTV not only gives you a better chance of a home loan approval, it also can affect the interest rate of your home loan, which can lower your monthly mortgage payment. Use our online home loan calculator to explore the impact of various down payment amounts on your mortgage loan payment.

Applying for a mortgage is easy. You can contact to Miki and Me by Email, Phone or Contact Form. The application will ask for personal, property, employment, income, asset, and liability information.

Mortgage rates are tied to movements in the financial markets, which are subject to change on a daily basis. This means we cannot guarantee what mortgage rates will be at any given time. When you apply for a mortgage, you will need to choose to either float or lock in an interest rate. An adjustable-mortgage rate may be locked in at the current prevailing rate at any point in the loan process.

You will want, and your mortgage loan may require, a home inspection by a qualified professional. The home inspection is not an appraisal. It’s an evaluation of the general quality of the home that details the structural condition of the house and the life expectancy of the major systems, such as plumbing, heating, electrical, etc. The inspection should tell you whether your new home is free from obvious or hidden problems that can cause significant emotional and financial stress both now and in the future. By making a home inspection a contingency in the purchase contract, you’ll have a set amount of time to inspect the home once your offer is accepted. You also can use the inspection checklist as a basis for negotiating the final price.

The underwriting of your loan may begin before or after you find the property you wish to purchase. A conditional approval will be issued identifying specific requirements that must be met before a final approval is issued and your loan is cleared to close.

A form of insurance you may be required to obtain on your mortgage is private mortgage insurance (PMI), also known as a mortgage insurance premium (MIP). Depending on the size of your down payment, especially when the LTV of your mortgage is more than 80 percent, you may need to insure the mortgage loan with a policy that protects the lender against default.

Once you have submitted the necessary documents, we will send your loan file to our underwriters and request approval to close your loan. After an underwriter reviews and accepts all documents and information, you are ready to close on your mortgage loan.