Sitemap: Home Buying in Honolulu, Hawaii Kai, Kailua and West Oahu, Hawaii - Get Expert Advice From Leilani Cunningham and Associates

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Why Buyers Choose Leilani Cunningham and Associates - Why homebuyers looking for a real estate agent in the Honolulu, Hawaii Kai, Kailua and West Oahu area choose Leilani Cunningham and Associates.
Latest Listings - Get Leilani Cunningham's Team's latest Honolulu, Hawaii Kai, Kailua and West Oahu listings of homes for sale first!
Find Your Perfect Home - Leilani Cunningham and Associates will search for your ideal home and email you the newest Honolulu, Hawaii Kai, Kailua and West Oahu MLS listings of properties in Hawaii County HI.
First Time Homebuyers - Are you a first time homebuyer in Honolulu, Hawaii Kai, Kailua and West Oahu, HI? Choose a top real estate agent. Leilani Cunningham and Associates can guide your home buying search.
Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Honolulu, Hawaii Kai, Kailua and West Oahu house or other real estate or property.
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First Time Buyers >Credit Card Common Sense

If you are buying a home for the first time, you need to establish a reasonably good financial foundation before a lender will approve you for a mortgage loan. Lenders look for a good credit rating, sufficient funds to make the initial down payment and pay the closing costs, and a stable employment situation.

People who have just qualified for a mortgage loan are usually in better-than-average financial shape. If you have recently purchased a new house, don't be surprised if you receive numerous offers from retail stores and other credit card companies offering you pre-approved revolving credit.

Be careful about accepting these offers! New home owners often use most of their savings in the process of financing the transaction, and they need everything from linens to furniture to get settled in the home. With all of the immediate credit available, it may be very tempting to just say "charge it." If you're not careful, you could be "up to your ears" in debt very quickly. It takes discipline to reach the goal of home ownership--and it takes that same kind of discipline to maintain financial health after you leave the closing table.

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Q	Who is the world's largest landowner?
A	The United States government, with holdings of 728.8 million acres of land.
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Leilani Cunningham and Associates, REALTOR®, real estate agent and broker for Honolulu, Hawaii Kai, Kailua and West Oahu Hawaii home listings, property and land for sale - NUMBER1EXPERT(tm)

Team Leilani Cunningham
Coldwell Banker Pacific Properties
4211 Waialae Ave. Kahala Mall Rooftop, Suite UW1
Honolulu, HI 96816
Tel: 808-382-3000
Fax: 808-748-8030
Email: Leilani@TeamLeilani.com
Leilani Cunningham was born and raised on Oahu. Living in the islands and remembering all the wonderful places, experiences, and people that have been part of her life growing up in Hawaii means she can offer local expertise for clients searching for just the right home, work experience to help market her clients’ properties effectively, and valuable business relationships to support smooth closing for all parties in every transaction. Leilani is excited to now have her daughter Kahi working as her associate.

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