Complete Buyers' Guide

Choosing a Lender
You can use any lender you wish, but we strongly recommend using a local lender. Because Hawaii is a tourism destination and has many different types of zoning laws and exceptions to the standard rules of real estate ownership, mainland lenders often find it difficult to approve loans for properties here.

Local lenders can meet or beat the interest rate and pricing of any other lender, you will have the benefit of someone familiar with our local laws and customs, and someone on the spot to assist you with closing.

The home buying process is quite complicated, and nothing will throw a wrench into things faster than a mortgage company that is out of state or not familiar with our ways.

You may have already met with the loan officer. If not, here is a list of items you should bring to your loan application:

1. W-2 (2 years) & current pay stubs.
2. Past 2 years pay history for landlord/mortgage company.
3. Employment information (2 year history).
4. All bank account numbers and balances.
5. Last 3 month's bank statements.
6. Open loans - names, addresses, account #, balances, monthly payments.
7. All information on any other real estate loans.
8. Drivers license or other photo ID.
9. Check for credit report.
10. Certificate of eligibility or DD214 (VA loan only).
11. Self employed: Last 2 year's complete tax returns, year to date Profit & Loss and Balance Sheet.