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1. Banks where it is easy to get a mortgage loan（775view/9res） Housing 2025/01/27 15:35
2. How to find a rental（3kview/12res） Housing 2024/11/20 10:45
3. Rents are going up - where to buy a condo ？ ？（2kview/9res） Housing 2024/11/15 23:27
4. Home Appliance Repair（2kview/7res） Housing 2024/11/08 07:54
5. I want to build a house.（1kview/5res） Housing 2024/09/20 10:43
6. How do you store your shoes at home in Hawaii?（567view/0res） Housing 2024/09/06 07:27
7. Finding a Place to Live（682view/1res） Housing 2024/08/01 07:05
8. Tell me about it.（696view/0res） Housing 2024/02/01 03:31
9. Removing white scales from shower room glass（1kview/2res） Housing 2024/01/12 13:22
10. Can you recommend a kitchen renovation contractor?（1kview/2res） Housing 2023/11/14 09:54
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Topic

Banks where it is easy to get a mortgage loan

Housing
#1
  • さつき
  • mail
  • 2025/01/21 16:54

I am a single mother and have been working full time for about a year.
I am looking to purchase a $2 million condo with an annual income of about $40,000.
Which bank would be the easiest to get a mortgage loan for this situation ？
Has anyone gotten a loan in a similar situation ？
Any other information would be appreciated.
Thank you very much.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#6

You will need to provide documentation of your income and taxes paid for the past two years for loan approval, but you should consult with the loan officer at the bank where you have your account ？

Affordable Condo （ Income Restricted ） Condos are also subject to loan You may want to consult with your banker.

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#7
  • ocean
  • 2025/01/22 (Wed) 16:37
  • Report

Satsuki-san

Before you decide on a bank, you need to decide on a property, and the bank recommended by the real estate is easy to get through.
If it is an Affordable property, there are several banks that we work with.

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#8
  • さつき
  • 2025/01/23 (Thu) 11:11
  • Report

Thanks for the info.
I made a mistake with the $200,000 not the $2 mil, I'm not sure if even $200,000 will get me through the screening process, but $2 mil is
outrageous. （ lol ）
If there is a loco bank that is easier to get approved, I was thinking of switching my account to them first, but it is more
realistic to talk to the loan officer on my account or look for Affordable properties and see if they go through from a bank they are affiliated with. So it would be more realistic
to do that. I will try ！
Thank you.

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#9

It is no different for any bank to say which Mortgage Loans are easier to get through. I think you should ask the loan officer at the bank for a Pre-Approved consultation, and they will tell you how much you can borrow with your current income. If the property is a condo with a leasehold ？ of $200,000, then you will have to pay the mortgage loan, leasehold, and maintenance fees. I think the combined amount of the mortgage loan, leasehold, and maintenance fees must be less than 40% of your monthly income.

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#10

Hawaii's real estate market is unique and mainland banks are unlikely to mortgage a property in Hawaii. On the other hand, it is rare for Hawaii banks to provide financing for mainland properties. Therefore, it is likely that you will get a loan from a Hawaii bank. The interest rate, points, and loan approval will depend more on the banker than on which bank is easier to obtain a loan from. First Hawaiian and Bank of Hawaii are the top two major banks in Hawaii, followed by CPB and American Saving, which are the four major banks in Hawaii, Hawaii National, Hawaii State, and Hawaiian Financial. Hawaii National, Hawaii State, and Hawaiian Financial.

In Japan, the standard is five times your annual income, but in the U.S., the standard is three times or 30% of your income. A $200,000 property with an annual income of $40,000 may be a bit difficult. The best way to get a mortgage is to increase the down payment, but with the current level of interest rates, I would think that the purchase itself would be a consideration. Also, insurance premiums have gone up dramatically due to last year's natural disasters, and with the LA wildfires coming up, I think you should expect a spike in expenses other than mortgage repayment.

Affordable properties can be bought for considerably less than the value of the property. Also, PreApproval is easy to obtain, so if you take PreApproval with an estimated price that matches your purchase budget, you will have an easier time getting an offer on your purchase.

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How to find a rental

Housing
#1
  • waikiki
  • 2024/07/22 08:33

I am planning to move to Honolulu and
looking for a room in this real estate and room-sharing board.

I would like to rent from
a rental company in the real estate section that has a company name listed, but
I am having trouble finding one.

In the room share forum,
there is an agent who introduces
a lot of units, but
he/she changes all the names in a serial (It's not against the rules and it's fine, but I can't tell the same person
from another one.

It is not mentioned on the rental page, but
Fee and referral fee ？ for taking over to the owner
$350 or $500 extra
If possible, I am looking for only those who do not need to pay the fee, I'm having trouble with the confusion.

I'm looking for a furnished place to start with, for about 6 months,
is there any other way to find it ？?

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#9
  • れんと
  • 2024/08/19 (Mon) 07:30
  • Report

Depending on the budget, there is an AirB ＆ B in downtown for ＄ 110 ＋ Tax per night.

Soon a slightly cheaper AirB&B will open in the same building.

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#10
  • HCC
  • 2024/08/19 (Mon) 10:00
  • Report

Even if you find a property on Craigslist or Facebook marketplace, I think
you should be fine as long as you get a proper showing and meet the owner ？ before you decide to move in.
We are on the renting side, but on the other hand, there are some suspicious prospective tenants who have not had showings and
sometimes inquire from off-island locations, such as the mainland, to decide to move in!

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#11
  • 不動産屋
  • 2024/08/19 (Mon) 11:18
  • Report

In Honolulu, especially in Waikiki, there are very few lenders for people who want to live in Honolulu, and there is an imbalance between the number of people who want to live in Honolulu and the number of people who rent. Therefore, the rent is going up and up.
Also, as you know, Waikiki is a hotel complex, so condominiums built in between the hotels are especially popular. Kalakaua AVE and Royal Hawaiian AVE are the center of the city, and as you move away from them, rents become a little cheaper.

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#12
  • れんと
  • 2024/11/10 (Sun) 21:01
  • Report

Downtown, if you only want Room Rent with shared shower, toilet, and kitchen,
there are several.

The cheapest is ＄ 300, the most expensive, ＄ 2,000.

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#13
  • 飲食バイト
  • 2024/11/20 (Wed) 10:45
  • Report

I want you to do something about the old Kansai woman who doesn't have a company in Hawaii, but is making a fortune by doing extensive bakeleng
.

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Rents are going up - where to buy a condo ？ ？

Housing
#1
  • お部屋
  • mail
  • 2024/11/05 12:17

A couple lives in a rental. Waikiki.
Our rent is going up again next year.
Our salaries will all go to rent.

We are talking about buying a condo next year.

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#6

I bought a house from a condo 20 years ago and now I regret that I should have kept the condo because both have tripled in value, but it seems that the management fees have gone up because of that, so when you buy a condo, you should look for the actual amount plus the monthly management fees ＋ ＋ electricity I think it is a good idea to include the amount of annual property tax in your budget when looking for a condo.

If you plan to live there for a long time, it would be a shame to rent, but you can also buy a reserve condo with income restrictions for less than the market price, although you are bound to have to live there for 10 years.

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#7
  • nicole
  • 2024/11/06 (Wed) 16:02
  • Report

#4 min #6 MAHALO
It is nice that you live in a single family home.
However, I have heard of people being robbed while on vacation when the whole family is away, even with Secom.
Are you two ok ？
I have never heard of anyone being robbed in an owner-occupied condo.
It must be safe because it is a condo with many owners.
It's nice that condos have security and it's hard to tell from the outside if you're away for long periods of time, but
the downside is that management fees go up.

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#8
  • お部屋
  • 2024/11/06 (Wed) 20:37
  • Report

Thank you all for your input.
I have started looking for an affordable condo in Waikiki ！.

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#9
  • ハワイ
  • 2024/11/08 (Fri) 07:52
  • Report

I, too, plan to buy next year.

I am looking mainly in the Makiki area.

If you are buying, you are supposed to use a real estate Agent, but
it seems that you are supposed to sign a Buyer Agent contract
with the Agent before viewing the property.

In other words, it is a contract that says, "I will select you as my Buyer Agent
." This is a contract that says "I will select you as my Buyer Agent .

In the past, there was no problem to sign this contract at any time, but
from this year, the law has changed and it is necessary to sign
before viewing. Of course, the contract with the Agent is free of charge
and the contract can be cancelled at any time.

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#10
  • satou姫
  • 2024/11/15 (Fri) 23:27
  • Report

Rough ceilings in older condos are popcorn sealing, spray paint containing asbestos
If you buy such a room, the ceiling needs to be replaced.

If you rent, avoid rough ceilings
Asbestos is a health hazard, so be careful!

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Home Appliance Repair

Housing
#1
  • Kame34
  • mail
  • 2024/10/18 10:08

Repairing two Ceiling fans
purchased at Home Depot 2-3 years ago.
Fan shakes a lot and
the other Ceiling fan stopped turning fast.

Refrigerator
The inside of the refrigerator is flooded
The water runs down to the floor.

Washing machine
Surprised when dehydrating the drum type
It makes a noise and moves forward.

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#4
  • my melody
  • 2024/10/19 (Sat) 12:02
  • Report

Topy

Surely both are still short.
I'll have to call each manufacturer or go online to find out the difference between the estimated repair cost and the
new replacement cost.

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#5
  • ハワイ暮らし
  • mail
  • 2024/10/19 (Sat) 17:57
  • Report


"The refrigerator is flooded" means that you have put too much stuff inside. We recommend that you rearrange the food inside a little.
I think the same reason applies to the washing machine.

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#6

To answer the above question differently, you can extend the warranty on expensive items by paying with a Credit Card that has an Extend warranty. After that, most whirlpool refrigerators are covered with appliance care for $ 21.99 per month. There used to be a Credit Card with Extend Warranty that didn't have an annual fee, but there are very few these days. If you know of one, please let me know ？.

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#7
  • KAN
  • 2024/10/21 (Mon) 14:03
  • Report

In the U.S., the most common practice is to replace rather than repair electrical appliances that are out of warranty.
The reason for this is that in most cases the repair cost is the same as the new replacement cost.
First of all, the labor fee （ and labor time ） of the repair technician is much higher than in Japan.
If you must repair a product, do so only for products that you have fond memories of or something like that.

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#8
  • ハワイ
  • 2024/11/08 (Fri) 07:54
  • Report

I recommend that you buy a new one.

＃ As Mr. 7 said, considering the repair cost,
it is better to buy one.

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I want to build a house.

Housing
#1
  • A
  • mail
  • 2024/09/08 20:31

Can anyone recommend a construction company ！?

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#2
  • 五十嵐
  • 2024/09/13 (Fri) 22:58
  • Report

Sekisui House or PanaHome would be good.

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#3
  • マイホーム・レス
  • mail
  • 2024/09/14 (Sat) 05:07
  • Report

An open house would be good.

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#4

There is a Japanese carpenter on 10th Ave.

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#5

And I don't use Eron Musk's Tesla House Drywall. I think this is the future of housing. It's cheap in price and you can get a Mortgage
at a lower cost ． watch it on you tube.
And you can compare with other companies.
It's worth a look.

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#6

Have you contacted Akimoto Koumanten ？
His personality is interesting, a bit out of the ordinary. But he is very good at what he does.
808-800-7448
akimotokoumutenusa@gmail.com

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How do you store your shoes at home in Hawaii?

Housing
#1
  • マシュー
  • mail
  • 2024/09/06 07:27

How do you store your shoes in your house in Hawaii where there is no shoe storage space in the foyer? It is a hassle to put them away and take them out when you need to use them, so I would like to know how you all do it.

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Finding a Place to Live

Housing
#1
  • waikiki
  • mail
  • 2024/07/22 02:49

I currently live in CA and plan to
move after deciding on a place to live, but I can't seem to find a place that fits my needs.

I'm mainly looking on this forum, but
I've asked a few agents
and they said that sometimes there is a booking fee
added when the agent takes over the contract from the owner, and other fees that are not mentioned are also added, so plus, plus, plus. So, the total amount is like ？.

Ala Moana ～ I'm looking for Waikiki only, but
if you can find any other places, please let me know.

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Tell me about it.

Housing
#1
  • Sara
  • mail
  • 2024/02/01 03:31

Please refer me to a lawyer who knows about taxes on the house and （ name change ） of the transfer.

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Removing white scales from shower room glass

Housing
#1
  • Maxi
  • mail
  • 2024/01/11 11:02

What do you do when there are many white scales on glass doors and other surfaces due to water drops
？

Do you hire a contractor to remove them ？ ?

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#2

We wash ours with cleanser to remove it.
After it is removed, I apply anti-fog coating
to the car glass. It will repel water and prevent dirt from sticking.

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#3

Supplemental ： cleanser is that
old-fashioned-looking one from Donkey's Passion Price, I think ？ for less than $2.

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Can you recommend a kitchen renovation contractor?

Housing
#1
  • Mana
  • mail
  • 2023/09/03 07:48

We are considering renovating the kitchen in our condo. It is a small kitchen, so commercial cabinets won't fit. I got a quote from Home Depot for $16,000 for just the cabinets. With countertops, appliances, and the constructor's fee, it will be about $25,000. ∑ (ﾟ Д ﾟ )
Knowing how well thought out and modern Japanese cabinetry is, I honestly don't want to spend this amount on an orthodox cabinet design that hasn't been updated in decades.
Also, Godern cabinet company quoted us less than half the price of Home Depot if we use all the standard ready-made cabinets, but the material inside the cabinets is of a certain quality (the mirror surface is good quality, so it looks good), so it looks like it will not be durable ＆. I am not sure if it is easy to use or not, so I am not sure if I can decide.

So, I would like to hear your experiences.
Please tell us your success stories, failures, recommendations for cabinet companies, constructor companies, etc. ！

In particular, we would like to know about companies that offer Japanese-style cabinet designs inside ！
Thank you very much.

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#2
  • Pumelani
  • 2023/11/14 (Tue) 08:01
  • Report

When I remodeled my kitchen a few years ago, I had a hard time finding a contractor.　I wish I had waited a little longer, because nowadays there are places that sell Japanese system kitchens ～. is custom made by a company that deals with California closets in Kahala Mall.

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#3
  • Gummies
  • 2023/11/14 (Tue) 09:54
  • Report

I renovated about 10 years ago using a constructor that a Realtor referred me to.

This is a cabinet shop near Cosco, I chose this place after 3 quotes because it was the cheapest and fastest time frame.

The workmanship was not bad.

I don't know how much it costs now because it was 10 years ago. 1bd room Renovation of kitchen and bathroom cost less than $10,000 at that time.

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