Hawaii Mortgage and Home Loan Trends
One of the latest trends in the mortgage industry in the Hawaiian islands involves pre-approving borrower loans. Prospective buyers will know what they can afford before shopping for a home. When you pre-approve, home sellers and real estate agents will know you are a serious buyer. Being approved ... more...

How to Get a Grip on Your Money
Most people have no idea where their money goes. They earn it and they spend it.That's fine if you want to live from week to week and are not concerned about your financial future. However if you want to increase your wealth and have more options, action needs to be taken by you otherwise you could ... more...

Creating A Realistic Business Budget
Budgeting -- ooh, what a scary word! If you want to frighten someone whose business finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get ... more...

The Worst Way to Shop for a Home Mortgage
You've found a house that is perfect for you. It is so appealing that you're willing to endure the hassle of obtaining a mortgage.It is downright frustrating to shop for a mortgage these days. First of all, some stranger wants to know how much you make and how much you have in the bank. Then you ... more...

Follow A Few Simple Steps To Make Shopping For Your New Home Loan A Little Easier
It is likely to be one of the largest purchases of your life, and it can be extremely nerve racking and overwhelming. Buying a new home! Whether you are buying your first home, or moving to a new home; purchasing a home and shopping for home loans is a major decision that requires a lot of time and ... more...

Escalation Clauses A Home Buyer's Secret Weapon
Today we discuss escalation clauses because much of the country is experiencing an extreme sellers market. By that, I mean there are more buyers than there are sellers, and that results in sellers getting more than one offer to buy their property. The seller can be picky about the terms under ... more...

Get Off Your Butt and Create Your Financial FutureNow!
Most people have no idea where their money goes. They earn it and they spend it.That's fine if you want to live from week to week and are not concerned about your financial future. However if you want to increase your wealth and have more options, action needs to be taken by you otherwise you could ... more...

Your Life Just OK? It Doesn't Have To Be That Way! Live the Life You Really Want To Live!
I have some questions for you. Are you ready? How would your rate your life on a scale from one to ten; 10 being fantastic and 1 being the worst it could possibly be? Are you happy with the most important aspects of your life? And note that I didnt say are you content or are you satisfied. I ... more...

How Can You Avoid Mortgage Fraud?
Fraud is a growing crime in America. From mortgage fraud to identity theft, consumers are at a daily risk of becoming victims of fraud.Every year, misinformed homebuyers become victims of mortgage fraud. Most fraud schemes will target first-time homebuyers, minorities and seniors.Buying a home is a ... more...