Why Get Pre-Qualified?

1. Pre-qualification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most, and is free.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step towards getting you in your new home.


Use us when you buy a home and receive a rebate of up to 50% of our commission. Home sellers normally offer a buyer’s agent commission to the agent who brings the buyer 2.5% – 3.0% of the purchase price.

Your rebate will be 1.25 – 1.5% of the purchase price, use the money to pay for Escrow, Inspections, buy down your loan rate, requiring you to bring in less cash to close escrow or whatever you choose!

You’ll work directly with one of our agents who will provide you full service representation and guide you through the process of finding and buying a home.

When you close on your home you will receive a rebate of 50% of the commission we receive for representing you on the purchase of your home.


Hawaii Real Estate Team Buyer Rebate 
When you purchase a new property, you may be eligible to receive a real estate commission rebate credit equal to 50% of the commission, less Hawaii General Excise Tax, of the Buyers Agent Commission offered by the Seller or the Seller's Brokerage offered on the MLS System. The amount of the credit is determined by each individual property listing, and will be memorialized in the listing agreement and/or buyer broker agreement executed with the Hawaii Real Estate Team Agent at the time you officially engage the Hawaii Real Estate Team Agent to represent you and have an offer on a property accepted by the Seller.

Talk to a mortgage professional before house hunting
The first thing you need to do is get pre-approved. This is different from pre-qualifying, as it is a full loan approval instead of an opinion letter. Take this step before looking at homes. Finding out what you qualify for will help you look in the right price range. You would be disappointed if you found a home you liked and then found you couldn't qualify for it. By the same token you may be able to look at more expensive homes than you originally thought possible.

Benefits of getting pre-approved: 

Determine How Much Home You Can Afford
A professional can determine your purchasing power, which gives you a guideline as to how much home you can afford – before you start looking. They will show you a variety of different types of financing and will determine how much you qualify for with each of those types. Based on your desired payment level and type of financing with which you feel comfortable, we can determine your purchasing power.

Know What Your Monthly Payment Will Be
Before picking a price range, you should make sure that you can handle your total monthly payment: principal, interest, taxes, insurance (mortgage insurance and HOA dues, if necessary).

Become a Cash Buyer
In today’s market, buyers are not the only parties concerned about financing. Sellers are equally concerned. Getting pre-approved puts you into a better negotiating position, as the seller knows you are ready, willing and able to buy, and the financing is not in question. Those buyers who are not pre-approved will have less chance of obtaining an accepted offer on the house they wish to buy, and are therefore at a disadvantage.

Thank you for your request to become pre-approved for a loan. We will forward to our preferred loan vendors to get you the best possible rate and terms.

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