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Real Estate Resources:

• Special Offers - Special offers for Honolulu, Hawaii Kai and Kailua homeowners from Leilani Cunningham and Associates.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Honolulu, Hawaii Kai and Kailua Hawaii mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in Hawaii or buy your own Honolulu, Hawaii Kai and Kailua house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Honolulu, Hawaii Kai and Kailua mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other Hawaii real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Leilani Cunningham and Associates anything real estate.

• Link Partners - Leilani Cunningham and Associates' online link partners.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Leilani Cunningham's Team's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Leilani Cunningham's Team's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Honolulu, Hawaii Kai and Kailua property in Hawaii, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Honolulu, Hawaii Kai and Kailua Homes, For Home Buyers, For Home Sellers, Honolulu, Hawaii Kai and Kailua Information, Real Estate Resources, and About Leilani Cunningham and Associates.

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Tax Considerations >Taxable Profits If you are thinking of selling your home and your house has risen in value since you purchased it, or you have accumulated a lot of deferred profit from previous sales, the Taxpayer Relief Act passed in 1997 could be of tremendous value. Prior to this law, when a homeowner moved to a smaller home, relocated to a less costly area, or made a decision to rent, they were left with unfavorable tax consequences. The old tax law allowed people who sold their homes to defer tax on any profit by buying a replacement home of at least equal value within two years. At age 55, they could permanently escape tax on up to $125,000 of profit, but any profit in excess of that amount was taxable unless a new home was bought. The good news is that with homes sold after May 6, 1997, homeowners can make as much as $500,000 tax-free profits on the sale of a principal residence for joint filers or $250,000 for single filers. The $500,000 capital gains exclusion removed taxes as a consideration for most home sellers by giving them flexibility to trade up or down. It has also allowed homeowners to preserve the savings value of a home when they sell, provided they use the property as their principal residence for two of the prior five years prior to the sale. Consult your tax advisor for your particular circumstance. See All Tips In The "Tax Considerations" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  Which hazardous substance is contained in sixty-four million houses and apartments? A  HUD estimates that 64 million homes and apartments built before 1978 contain lead-based paint. See More Real Estate Trivia >

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. www.LeilaniCunningham.com is brought to you by Leilani Cunningham and Associates NUMBER1EXPERT™ in real estate for Honolulu, Hawaii Kai and Kailua, Hawaii, Executive & Military Relocation Read Leilani Cunningham's Team's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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