Hawaii VA Loans & Real Estate Transaction Process

About the Hawaii VA Loan Process- Your Realtor® can refer you to seasoned loan officers who know the Hawaii VA Loan Process. Beware of the loan officer that is advertising as if they are part of the Veterans Administration. They are part of a loan company but NOT part of the Veterans Administration based at Tripler Army Hospital.
Having experienced and straightforward professionals rather than ones who claim to be ‘experts’ or advertise as if they are part of the Veterans Administration is a better choice.

HAWAII VA LOANS | Hawaii Military Relocations |This Realtors® Process

Active Duty or Veterans of the Armed Forces have VA Home Loan benefits for their home purchase that have proven beneficial for when it comes to little or no money down loan program. (provided their credit is satisfactory) VA guarantees the Local Lender that they will reimburse the lender a percentage should the veteran default on their loan. The following brochure What VA Does For the Home Buying Veteran should be very useful guidelines and loads of information.
*Across the Ocean to Paradise: Military Relocations Hawaii* has loads of information for your Military Relocation to Hawaii so you will have pertinent information on what to expect in your relocation to our island paradise.
Currently, I have one VA Loan client in contract and the other one has already been prequalified and coming to Honolulu Hawaii next month specifically to put in an offer during their 5 day house hunting trip so they can return back to the mainland and pack for their Hawaii Relocation in February. VA Loans are abundant here due to our high volume of military personnel and presence on Oahu, Hawaii.
The following steps are what this Real Estate Professional does in order to make your Relocation to Hawaii as smooth as possible concerning your real estate transaction and VA Loan Process.

Speak to a Local Hawaii Lender (if you do not have one I can refer you to a few who are well qualified in the State of Hawaii) to submit your information and get prequalified.

  • While talking to the Loan Officer make sure and let him/her know what you are comfortable with for monthly mortgage payments. After getting prequalified your Realtor® will now know in what price range to search for properties for you.
  • Let your agent know what other criteria you are looking for as far as # bedrooms/ # of baths, sq. ft. interior/land, parking, single family or condo/townhouse. Just remember to go over the *Across the Ocean to Paradise: Military Relocations Hawaii* because this gives pertinent information on what to expect in your Hawaii Relocation.
  • Get all your financial paperwork together so you will have it with you when you arrive.(Do not pack your bank statements, W-2’s, LES’s and important documents you will need to submit for your loan!)
  • If you have a couple of months to spare you may order your Certificate of Eligibility from the Veterans of Affairs office. It is not necessary to do so though, because our lenders order them online once you start your loan process and if anything is held up we have a VA office centrally located on Oahu for your convenience and it takes just minutes.
  • Start your loan process before you get here so you will have everything in place when you submit an offer for a loan. The loan process is the lengthy and of course an important part of the transaction so it is better to be proactive in your process. Your closing costs can be included with your loan so you will have minimal costs to come in with and to close with.
  • Appointments are made and off we go in search of your new home! When you decide that you would like to put in an offer we will go through the whole 12 page (plus addendum’s) contract and submit it to the sellers agent to present to the seller.
  • After the offer is accepted the loan process begins. You will meet with your Loan Officer to submit your complete application and submit all documentation needed for your VA Loan process packet. Then it goes to Underwriting to process the initial packet and order the appraisal with their VA approved appraisers.
  • The Condominium and/or Subdivision Association Documents should be ordered immediately after acceptance of the offer and in the buyer’s hands within 10-14 days after acceptance. This agent will make copies of the Budget, last three Association minutes and the Property Information form (RR105C) and submit it to the lender. They need this for the VA Loan Guidelines and process for your loan. (these documents will show how the Association budgets their money in reserve. % of owner occupants, any pending concerns or litigation going on and so forth.
  • Provided your loan process goes smoothly you should have a Conditional Loan Commitment Letter within the first three weeks in contract. This is an approval of your loan with Conditions. Maybe you need to submit a couple of more documents or the appraisal is not in yet or the survey and termite inspection are not done yet. These are the types of conditions that will be listed on this letter.
  • Within two weeks after the Conditional Loan Commitment letter is issued all the conditions should be complete for signing documents with escrow and the loan officer. Not to worry! I attend all signings with you.
  • In Hawaii, we do not sign at the same time as the Seller due to conflict of interest and we sign approximately four days before recording. After the signing, the loan officer takes the notarized and signed documents to go through processing and within 2.5 days the Lender should have funded the money for your loan to the escrow company. When escrow receives all monies then they will take the documents to the Bureau of Conveyances in Honolulu to record. By the next business day it will record and we usually get word between 8-10am. At that time, the home is legally yours and I will have already made arrangements and have your keys in hand to open the doors to your new home.
    Congratulations!
    It’s not easy moving across the Pacific Ocean let alone to a totally different “world” of people but you can do it with effort, motivation and a great Realtor®!
    Call me for a Relocation Packet and more info!
    Celeste “Sally” Cheeseman, Realtor Associate ®
    Century 21 Liberty Homes
    95-221 Kipapa Drive, Mililani, HI * (808) 375-1404
    http://www.hawaiihomesmarket.com/
    http://woohoosally.blogspot.com/

     

    Royal Kunia Hawaii Home for Sale- Open House

    Royal Kunia Home for Sale! 94-1063 Hoohele Street, Waipahu 96797 Picture of House Stunning! This home in paradise awaits you. With a tropical flair the professionally landscaped property beckons you to enter.

    Immediately through the front door you feel the cool air from the 'Carrier' high efficiency central air conditioning system and walk straight into a spacious and open floor plan on the first floor.

    With wood laminate flooring throughout the first floor you glide through the living area...to the dining area and a 'to die' for open kitchen. Complete with an island and tons of cabinet and counter space this is definitely the dream of a culinary kitchen artist!

    Through the dining area doors you step on to the roofed patio nook ...perfect for your morning cup of java and while watching the sun rise.

    Kick your shoes off after a long days work and view the tropical flora with a backdrop of a sunset in paradise and you most definitely will relax immmediately. Rainbird sprinkler system is the choice for liquid nourishment for this wonderous landscaped yard.

    On the landing of the second floor is the open area loft/office with lots of natural lighting coming through the giant picture window.

    BONUS! CAT 5 wiring throughout the home in living area, all bedrooms and the loft/office area....so convenient for all your online needs!

    Royal Kunia's Association Center park is just down the road with picnic areas, tennis, basketball and more! An upcoming Recreation Center is soon to arrive to bring more ammenities to this exceptional community.

    Minutes from Schofield Barracks, Wheeler Army Air Field and the Naval Security Group Activity Kunia, Hawaii Military PCS'ing to the islands 'have it made'.

    Come join us for our FIRST OPEN HOUSE on SUPER SATURDAY, January 31, 2009 from 2-5pm!

    Why search further? This is the home for you! Click to View Show

    Details Contact Info Asking Price:

    MLS:
    2901222
    Sq. Feet:
    1636
    Lot Size: 3250
    Bedrooms:3
    Bathrooms: 2.5
    # of Floors:2
    HOA/Maintenance Fees:30
    Garage Size:422
    Subdivision:Royal Kunia
    Year Built:2003

    List Price: $559,000
    br>


    Celeste "Sally" Cheeseman- (RA) e-PRO
    Hawaii Relocations & Real Estate


    Cell (808) 375-1404
    Dir (808) 375-1404
    Email | Website
    Other Shows

    Property Amenities - Range/Oven
    - Sink Disposal
    - Full Refrigerator
    - Dishwasher
    - Kitchen Island
    - Patio
    - Grass Lawn
    - Yard
    - Fenced Yard
    - Central A/C
    - Living room
    - Office/den
    - Breakfast nook
    - CAT 5 wiring throughout bedrooms, living and office loft areas
    - Rainbird Sprinkler System
    - Loft Office on Second Floor
    - Fully Insulated Home!
    - "Carrier" High Efficiency Central Air Conditioning
    - Integrated Underground Drainage System
    Community Amenities - Basketball court
    - Tennis court(s)
    - Golf course
    - Playground

    Are You IN the Middle of a Rip Current?

    After reading the warning sign and taking precautions by standing back a few feet from the warning tape I looked up to see big breaking waves on the shore and the whitewater rushing back out to see. Rip currents are DANGEROUS. The powerful, channeled currents of seawater flowing away from the shoreline, through the surf and past the breaking waves will take you out to sea quicker than you can bat an eyelash.

    There is no doubt that conditions change and we need to take heed to the warning signs.
    The housing market and real estate industry is constantly changing and has been for some time. Though it is known that the market is LOCAL and every area has different statistics I think I can safely say that there is no housing boom going on.

    In October, there was Good News! October Statistics for Oahu’s Housing Market! Then, The Ripple Effect From Our Hawaii Tourism Industry took a dive and many restaurants and industries are closing down. For the month of November, our home sales declined but our prices here on Oahu are still stable and hopefully this decline will last just a short while.
    Needless to say, the Rip Currents are dragging many out to sea and everyone is out there trying to grasp at every straw to stay afloat:

    • Buyers are backing out for no reason ….or maybe they were just too embarrassed to say why. (i.e. family problems, lost jobs or whatever the case may be)
    • Loan Officers are promising the world and can’t deliver when it comes time for processing. (giving a preapproval without taking everything into consideration ….in hopes it goes through)
    • Realtors® are nagging at sellers to list their home. (Who knows how they got the private cell number of the owner….yes this just happened to my seller)
    • Realtors® are giving bad advice to the buyer for the sake of a sale. (i.e. bank owned and no warranties, inspections or recourse)
    • Sellers are thinking that it’s still a great market (and thinking that they can play hardball when there are few and far between buyers)

    The majority of us have kept afloat with great marketing skills and a niche we have created for ourselves. We listen to our clients and only after listening to their needs first do we give back sound, straighforward information and advice. We follow our Code of Ethics which can be compared to our every day behavior following our personal beliefs, morals and values in this game called life. We hold our heads high and sleep VERY well at night knowing…we lived each day right and didn’t step on anothers toes to get there.

    The rest will be sucked out to sea by those dangerous rip currents.
    And You?
    © 2008 Celeste “Sally” Cheeseman, All rights reserved

    Hawaii Military Relocation | Online Relocation Package

    So….you are Relocating to Hawaii with the Military and…you are going to be stationed at Schofield Barracks Army Installation or Wheeler Army Air Field. (adjacent right next to each other in Central Oahu) Wheeler used to be an Air Force base and was returned to the Army on November 1, 1991. History shows that the soldiers from Schofield started clearing way for an aircraft strip back in February of 1922 and named in November of 1922 honoring Major Sheldon H. Wheeler who died on July 13, 1921 when his aircraft crashed during a demonstration. Wheeler Air Field became a separate base on August 31, 1939.

    Wheeler AAF and Schofield Barracks are adjacent to each other on Kunia Road although Wheeler has other DOD Defense activities going on including: Defense Communications Agency, the Air Force’s 6010th Aerospace Defense Group, the Hawaii Army National Guard’s Aviation Support Facility, and the 25th Infantry Division (Light) Aviation Brigade.

    Your Military Relocation to Hawaii and Purchasing Your New Home. The following information is basic but pertinent information to go over before you even pack for your transfer and before considering purchasing your Honolulu County (Oahu) home. Moving across the Pacific Ocean to a totally different and diverse cultural ethnic may be of a shock and you may want to brush up on a few tips to make your transition a smooth one.

    The Military Presence on Oahu, Land Use and other Zoning Laws It is without a doubt that our Hawaiian Islands have little buildable land so it is detrimental to keep all of our zoning and land use laws intact. The Active Duty Military has 3.5% of a population and 10% total with Veterans as well. The majority of our land is Preservation and Conservation land and the following will give you insight

    Neighborhoods in Honolulu County and Market Report too! An insight into the different neighborhoods and what they have to offer. You will also get current market statistics in each community for which I wrote for that period.

    Honolulu County (Oahu) Weather and Traffic – It is a given that with an island so small and a population of almost one million that we do have peak traffic hours as in any other part of the country. For a look at Oahu’s traffic click on the following TRAFFIC CAM to view during peak hours.

    Things to Do, History & Places to See – A three part series for a brief, condensed Points of Interest series to learn a little about our island and our so diverse and full of different cultures and ways of life.

    Condo or Townhouse Living: Rules to Follow and Steps to Protect: If you are contemplating downsizing then condo / townhouse living may be an option. With maintenance fees for most associations taking care of the bulk of your homeowner’s insurance (common elements), and repairs to the outside, roof, grounds and water/trash and sewere this may just be an option.

    History of schools and links to Hawaii’s Education System A brief look at the history of Hawaii and its school system as well as researching schools and neighborhoods suitable for your family and their Relocation to Hawaii.

    Bottom line is this.

    It’s not easy moving across the Pacific Ocean let alone to a totally different “world” of people,
    but you can do it with a little effort, motivation and a great Realtor®!

    The Market DEPENDS on the Circumstances Doesn’t It?

    The National News surely depicts an overall picture (so does NAR) of the housing market that is unrealistic. Why? How can anyone believe that this nationwide report will be the same for every state, county, city and neighborhood? It is unrealistic to report that ‘nationwide’ it is a beautiful market to buy or sell just as it is unrealistic to report that ‘nationwide’ it is a bad time to buy or sell. It depends on a wide variety of points doesn’t it?

    How about this?

    • Your Realtor ® will give you a clearer picture of the current market conditions in your specific area. Bad choice to have your loan officer, friends and family pretending they are the Realtor®. Might as well just watch the news right?
    • It depends on your circumstances if you are considering selling your home. Relocation to another state? Downsizing? Tragedy in the family?
    • It depends on your circumstances if you are considering buying a home. Relocation to Hawaii? Benefits of ownership vs. renting? Retiring? Downsizing?
    • It depends on the county, the city & the neighborhood for better market conditions to sell. Your Realtor ® will provide you with a Comparative Market Analysis for these specifics.
    • It depends on the county, the city & the neighborhood for room for negotiations for the buyer. Your Realtor® can give you a breakdown of the areas that you are considering.

      As of February of 2008 the Oahu Housing Market has slowed down 40% in NUMBER of sales. The Oahu Housing Market has increased in prices since last year BUT ARE NOW STABLE. The table below will show you an increase/decrease in sales and prices to give you a better idea of our market on our Island of Oahu in HONOLULU COUNTY. (These statistics DO NOT include new home sales)

      MONTH, YEAR SINGLE FAMILY CONDO

      February 2008 $599,000 / 163 $335,000 / 321
      January 2008 $600,000 / 228 $324,000 / 324
      December 2007 $610,000 / 240 $320,000 / 353
      November 2007 $610,000 / 245 $315,000 / 379
      October 2007 $655,000 / 265 $322,500 / 423
      September 2007 $650,000 / 255 $335,000 / 414
      August 2007 $650,000 / 381 $325,000 / 495
      July 2007 $640,500 / 339 $335,000 / 457
      June 2007 $685,000 / 338 $334,000 / 547
      May 2007 $650,000 / 357 $325,000 / 543
      April 2007 $665,000 / 342 $325,000 / 527
      March 2007 $643,500 / 330 $321,000 / 541
      February 2007 $614,500 / 272 $320,000 / 402

      Stats: Yr-Yr -2.5% / -40.1% 4.7% / -20.1%

    Our inventory on OAHU is still modest due to fewer homes/condos being listed on the market. For this reason it gives us a positive outlook because the inventory has NOT ballooned as in previous post-boom periods.

    Just keep in mind that this too is an overall picture of our market in Honolulu County. (Which is the island of Oahu) and neighborhoods differ as well. For example, the prices for homes/condos in Mililani are stable whereas the prices in Ewa Beach have decreased a little and have a higher inventory overall. The number of Short Sales in Ewa are high whereas there are very few in Mililani. Newer, Older, Sq. Ft., Land Area and so forth are also to be considered.

    IT JUST DEPENDS.


    More Statistics on Neighborhoods:
    Relocating to Hawaii? Ewa Gentry & Ocean Pointe Communities
    http://activerain.com/blogsview/351247/Royal-Palm-Waipio-Gentry
    Ko Olina Resort & Marina: Can’t Get Any Better Than This!
    Oahu, Hawaii Relocations: The Waipio Gentry Community, Oahu, Hawaii
    Hawaii Relocations: The Mililani Community on Oahu, Hawaii

    FYI: Honolulu Board of REALTORS® was established in 1922 and is one of the largest of 1,600 boards of REALTORS®. With over 6,000 members on our island alone the Honolulu Board of Realtors ® is the largest trade organization on Oahu. The above statistics are from the Honolulu Board of Realtors ® and are taken from our Multiple Listing Service site.

    If you’re Relocating to Hawaii (regardless if it’s near future or just wanting to be proactive for the future) contact me for a Hawaii Relocation Packet or Military Relocation Hawaii Packet!


    Celeste “Sally” Cheeseman, RA, e-PRO / Century 21 Liberty Homes, Mililani, Hawaii

    VA Loans & Hawaii Military Relocations: This Realtors® Process

    Active Duty or Veterans of the Armed Forces have VA Home Loan benefits for their home purchase that have proven beneficial for when it comes to little or no money down loan program. (provided their credit is satisfactory) VA guarantees the Local Lender that they will reimburse the lender a percentage should the veteran default on their loan. The following brochure What VA Does For the Home Buying Veteran should be very useful guidelines and loads of information.

    *Across the Ocean to Paradise: Military Relocations Hawaii* has loads of information for your Military Relocation to Hawaii so you will have pertinent information on what to expect in your relocation to our island paradise.

    Currently, I have one VA Loan client in contract and the other one has already been prequalified and coming to Honolulu Hawaii next month specifically to put in an offer during their 5 day house hunting trip so they can return back to the mainland and pack for their Hawaii Relocation in February. VA Loans are abundant here due to our high volume of military personnel and presence on Oahu, Hawaii.

    The following steps are what this Real Estate Professional does in order to make your Relocation to Hawaii as smooth as possible concerning your real estate transaction and VA Loan Process.

    Speak to a Local Hawaii Lender (if you do not have one I can refer you to a few who are well qualified in the State of Hawaii) to submit your information and get prequalified.

  • While talking to the Loan Officer make sure and let him/her know what you are comfortable with for monthly mortgage payments. After getting prequalified your Realtor® will now know in what price range to search for properties for you.
  • Let your agent know what other criteria you are looking for as far as # bedrooms/ # of baths, sq. ft. interior/land, parking, single family or condo/townhouse. Just remember to go over the *Across the Ocean to Paradise: Military Relocations Hawaii* because this gives pertinent information on what to expect in your Hawaii Relocation.
  • Get all your financial paperwork together so you will have it with you when you arrive.(Do not pack your bank statements, W-2’s, LES’s and important documents you will need to submit for your loan!)
  • If you have a couple of months to spare you may order your Certificate of Eligibility from the Veterans of Affairs office. It is not necessary to do so though, because our lenders order them online once you start your loan process and if anything is held up we have a VA office centrally located on Oahu for your convenience and it takes just minutes.
  • Start your loan process before you get here so you will have everything in place when you submit an offer for a loan. The loan process is the lengthy and of course an important part of the transaction so it is better to be proactive in your process. Your closing costs can be included with your loan so you will have minimal costs to come in with and to close with.
  • Appointments are made and off we go in search of your new home! When you decide that you would like to put in an offer we will go through the whole 12 page (plus addendum’s) contract and submit it to the sellers agent to present to the seller.
  • After the offer is accepted the loan process begins. You will meet with your Loan Officer to submit your complete application and submit all documentation needed for your VA Loan process packet. Then it goes to Underwriting to process the initial packet and order the appraisal with their VA approved appraisers.
  • The Condominium and/or Subdivision Association Documents should be ordered immediately after acceptance of the offer and in the buyer’s hands within 10-14 days after acceptance. This agent will make copies of the Budget, last three Association minutes and the Property Information form (RR105C) and submit it to the lender. They need this for the VA Loan Guidelines and process for your loan. (these documents will show how the Association budgets their money in reserve. % of owner occupants, any pending concerns or litigation going on and so forth.
  • Provided your loan process goes smoothly you should have a Conditional Loan Commitment Letter within the first three weeks in contract. This is an approval of your loan with Conditions. Maybe you need to submit a couple of more documents or the appraisal is not in yet or the survey and termite inspection are not done yet. These are the types of conditions that will be listed on this letter.
  • Within two weeks after the Conditional Loan Commitment letter is issued all the conditions should be complete for signing documents with escrow and the loan officer. Not to worry! I attend all signings with you.
  • In Hawaii, we do not sign at the same time as the Seller due to conflict of interest and we sign approximately four days before recording. After the signing, the loan officer takes the notarized and signed documents to go through processing and within 2.5 days the Lender should have funded the money for your loan to the escrow company. When escrow receives all monies then they will take the documents to the Bureau of Conveyances in Honolulu to record. By the next business day it will record and we usually get word between 8-10am. At that time, the home is legally yours and I will have already made arrangements and have your keys in hand to open the doors to your new home.

    Congratulations!

    It’s not easy moving across the Pacific Ocean let alone to a totally different “world” of people but you can do it with effort, motivation and a great Realtor®!

    Call me for a Relocation Packet and more info!

    Celeste “Sally” Cheeseman, Realtor Associate ®
    Century 21 Liberty Homes
    95-221 Kipapa Drive, Mililani, HI * (808) 375-1404
    http://www.hawaiihomesmarket.com/
    http://woohoosally.blogspot.com/

    What’s In Your Real Estate Agenda?

    First of all, let me give you an idea of the number of Realtors® that are licensed in the state of Hawaii, and more specifically on our island of Oahu. Then I’ll be able to give you my opinion of what my agenda is like as a Realtor -Associate in Honolulu County that just may be helpful in your Honolulu Hawaii Relocation.

    There are approximately 15,400 real estate licensees in Hawaii and the breakdown for just my island (Oahu: Honolulu County) are following the whole State of Hawaii stats:

    • 9,600 active real estate licensees (statewide)
    • 5,800 are inactive
    • 3,150 brokers
    • 9,800 salespersons
    • 1,200 corporations, partnerships, LLC’s, and LLP’s
    • 1,150 sole proprietors
    • 100 branch offices.

    On our island of Oahu in Honolulu County there are about 12,000 licensees and of those licensees about 9,000 are now active and approximately 3 thousand that are not. That’s 9,000 Oahu Real Estate Licensees to help you in your search for real property. So, what sets one Realtor® apart from others?

    All I can tell you is what is on my agenda:

    • If you are Relocating to Hawaii you need a local island Realtor ® to represent your best interests in your next purchase of real property.
    • Licensed in the State of Hawaii and a MEMBER of the National Association of Realtors®, Honolulu Board of Realtors, and the Hawaii Association of Realtors.
    • Access to the Multiple Listing Service (and a given if a member of the above)
    • An agent you definitely feel comfortable with! Sometimes personalities don’t quite fit and that’s understandable.
    • Someone who will pay great attention to detail and walk you through every step of the transaction and answer all questions.
    • Won’t leave you in the dark and expect you to understand their Real Estate lingo. They’ll explain!
    • Experience in the Real Estate Industry and can either answer your questions or direct you to a professional who can.
    • Follows all Code of Ethics, Hawaii Real Estate laws and goes above and beyond the call of duty.
    • Knows the local areas and neighborhoods!

    It’s not easy moving across the Pacific Ocean let alone to a totally different “world” of people but you can do it with effort, motivation and a great Realtor®!

    More Info:

    Call me for a Relocation Packet and more info!

    Celeste “Sally” Cheeseman, Realtor Associate ®
    Century 21 Liberty Homes, Mililani, HI *
    (808) 375-1404
    http://www.hawaiihomesmarket.com/
    http://woohoosally.blogspot.com/

    Oahu and Surrounding Neighborhood Search: Relocations Hawaii

    If you are planning a Relocation to Hawaii the first step for you is most likely searching the internet for listings, a good Realtor® to advise you on your first step to getting started, and a local lender to help you with your financing needs and who knows our local real estate laws and contract. This local island Oahu Realtor-Associate® will first suggest that you contact a local lender to get pre qualified so we will have a price range to start out with our search. If you are unfamiliar with the process then I will refer you to a few I have worked with over the past few years.

    This local island Realtor-Associate® will set you up with an automatic email notification of listings according to the criteria you are interested in. Our Multiple Listing Service system gives the prospective client a personal webpage and it will notify you automatically with listings and an email that says “ON behalf of Celeste “Sally” Cheeseman: Client Gateway” and will look somewhat like the page below.

    In the first initial setup of the site I’ll need the additional following information for your criteria:
    Condo/townhouse/single family?

    • # bedrooms, # baths, # parking?
    • Sq/ft interior; sq/ft land interested in?
    • Land tenure; neighborhood, city interested in?
    • Price Range? (make sure your local lender has qualified you according to the monthly payments you are comfortable with!)

    With this webpage you will be able to save listings to your favorites, your possibilities, make notes and ask questions so I’ll see them and give you a prompt response. You may also save properties in the reject folder for the ones that are not appealing to you at all. This structure will give me a better idea of what you are interested in and we will be able to fine tune your criteria as we go along.

    Here we go!

    It’s not easy moving across the Pacific Ocean let alone to a totally different “world” of people but you can do it with effort, motivation and a great Realtor®!

    Call me for a Relocation Packet and more info!

    Celeste “Sally” Cheeseman, Realtor Associate ®
    Century 21 Liberty Homes, Mililani, HI *
    (808) 375-1404
    http://www.hawaiihomesmarket.com/
    http://woohoosally.blogspot.com/

    The Cost of Living Factor in Considering A Hawaii Relocation

    If you are considering relocating to Oahu, Hawaii or you are Relocating to Hawaii with the Military then you need to consider quite a few things. With the military your BAH covers housing expenses and your commissary priveleges allow you to buy food with only a smaller percentage higher than the mainland.

    What about civilians who are relocating to our Hawaiian islands? Consider this: The main reason that everything costs a little more here than on the mainland is that just about everything is transported to Hawaii….from food to lumber for building to just about everything needed to sustain the majority of necessities as well as luxury items. Shipping costs, fuel and oil costs all have risen drastically therefore pushing up our prices even further.
    90% if our food is imported so automatically presume that our cost of food is at least 30-50% higher than the mainland. We drink a lot of milk and it’s not too bad at 2 gallons for $7.50. My favorite places to shop for food are Costco and Sam’s Club.
    Rental Housing Market: Central Oahu: 2 bd/ 1 ba / 2 parking can run anywhere from $1200 to $2000 per month. A condo in Downtown Honolulu can run from $1500 to $3000 for a two bedroom. A significant increase in the last four years due to the increase in real property for sale.
    Real Estate Market: Again, depending on the neighborhood the single family median sales price for a 3 bdrm/2 ba home is around $625,000. A 2/2/2 townhouse are still selling for $300,000 to $325,000. Condos 2/1/2 run between $225,000 to $255,000.
    Utilities: My electric bill is about $125.00 to $140.00 per month for my small one bedroom. Of course I have the A/C on energy saver for the dog during the day when my house is locked up. Otherwise, others in my neighborhood (who don’t use their A/C) probably utilize about $50 to $75.00 worth of electricity. I have a gas water heater so that runs about $30.00 per month.
    Gasoline: Currently at $3.35 per gallon at Costco.
    Ahhhh. But where else can you live in a paradise with tropical island weather year round and our breathtaking scenery of the ocean, the mountains, the valleys, the flora and fauna. These are the reasons for my remaining in this land I call home….and the reasons that many flock here for their relocation.
    Weigh out all your options in your Hawaii Relocation because no matter what, Hawaii is like no other place in the world. We thrive and strive from our strength of diversity and our wide range of international and ethnic cultures and food.
    * Keep in mind that the outer islands such as Maui, Kauai, Hawaii (the Big Island), Lanai and Molokai are even higher in costs because again….the shipping and transporting costs.

    It’s not easy moving across the Pacific Ocean let alone to a totally different “world” of people but you can do it with effort, motivation and a great Realtor®!

    The Art of Hawaii Relocations
    *Across the Ocean to Paradise: Military Relocations Hawaii*

    Call me for a Relocation Packet and more info!
    Celeste “Sally” Cheeseman, Realtor Associate ®
    Century 21 Liberty Homes, Mililani, HI * (808) 375-1404
    http://www.hawaiihomesmarket.com/
    http://woohoosally.blogspot.com/