The Home Buyer's Korner

Information presented should be used for educational purposes only.

June 6th, 2015

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GREATER HONOLULU HAWAII

The Home Buyer’s Korner

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What is a Portfolio Loan?

imagesHere’s the deal… there is no such thing as a cookie cutter scenario when it comes to home financing, whether it’s FHA, Conventional, Jumbo, VA, or USDA, financing… everyone’s situation is different and so are many properties.

Portfolio loans are designed to get folks approved for a home loan when they are not eligible for any the more commonly available types of financing stated above or the property isn’t eligible for traditional financial, such as many condominium projects.

These types of mortgages are commonly funded by small banks or credit unions, and are kept in their “portfolio”. The reason portfolio loans are typically found at local banks or credit unions is simply because these financial institutions are more often than not home-grown than your large lenders.

Small community banks and credit unions have many reasons to help their local economy grow and know that if they give a home buyer a chance that an institutional lender wouldn’t, they will be a loyal client for life. Simply put, small community banks and credit unions are built more around relationships and willing to take risks because institutional lenders don’t.

Getting a portfolio loan is more of a common sense type of approach to mortgage lending, unlike your traditional financing, which are pretty much in-the-box type loan programs, while with a portfolio loan the story matters.

When is a portfolio loan necessary?

Recent Credit Issues – Many times a portfolio loan is called for when a borrower has damaged credit and prevents them from securing an FHA, VA, USDA or Conventional loan.

Bad things happen to good people. Maybe their credit was ruined because of a nasty divorce or due to an injury. Whatever the case, it’s going to have an impact. Sometimes when bad things happen it forces foreclosure or bankruptcy, but most often than not people get on with their lives and what was earth shaking a couple years ago turns out to only be rough patch, but that doesn’t really mean anything to an institutional lender, but portfolio lenders often look and the now and not so much at the past.

With a traditional mortgage, there is waiting periods you have to meet before being able to buy a house and even if you won the PCH $5000 a week for life sweepstakes you’ll have to wait least three years before you can do get a traditional loan if that rough patch created a foreclosure. But should it really be that way if the situation was truly temporary and you’re back on their feet? The answer more often than not is no if you’re working with a Portfolio lender.

If any of the following issues have created a rough patch for you consider a portfolio lender, should you decide it’s time to purchase a home.

  1. Bankruptcy;
  2. Foreclosure;
  3. Short-sale;
  4. Ex-spouse ruined credit during nasty divorce;
  5. Piled up medical bills;
  6. collections;
  7. Tax lien;
  8. Judgment;
  9. Low credit scores due to high credit card balances;
  10. Late payments in last 24 months.

Unique Property Type – Sometimes the property you’re looking to buy is particularly unique. So unique that it does not meet the necessary guidelines to be eligible for traditional financing. It’s most common with condominiums. Because the homeowners association gets a full review by the lender to determine its financial stability, many condos are deemed “non-warrantable”. Issues that make condominiums non-warrantable by institutional lenders can be:

  1. Homeowners association has a lack of reserves;
  2. Inadequate insurance coverage;
  3. Inadequate flood insurance coverage;
  4. Too many units are tenant occupied (renters);
  5. The complex is under construction or in a phase that calls for more construction;
  6. Too many units are owned by 1 person or entity (investor owns high percentage of units);
  7. The remaining terms of the Leasehold doesn’t meet FNMA or FHA guidelines.
  8. A project that has hotel–like characteristics (condohotel).

Other Property Issues for a Traditional Lender can be:

  1. Commercially zoned property that is being used as residential;
  2. Berm home;
  3. Log cabin (if not typical in the market);
  4. Any type of home that an appraiser has a difficult time finding comparable sale data.

Foreign Nationals – When folks move to the US and want to buy a house right away, they’re commonly faced with one major problems:

  • They don’t have credit established in the United States and they do not have documented income acceptable to a traditional lender.

If this sounds like you it’s a perfect reason to pursue a portfolio loan. There are some main things you want to be prepared to provide if you’re looking for a portfolio loan and new to the United States.

  1. Type of VISA, and all VISA applicable documentation;
  2. Previous 2 year income history in previous country (pay-stubs/tax returns);
  3. Asset statements;
  4. Letter explaining intent to stay in the US;
  5. Proof of income established in United States (employment letter, pay-stub);

Unique Income Circumstances – We often see borrowers that are financially stable, have great credit, solid assets, but don’t qualify for a mortgage due to a simple technicality regarding their income situation. This is another great opportunity to explore the possibility of getting a portfolio loan.

Keep in mind, portfolio loans are not necessarily “stated income” loans, where the borrower tells the lender how much they make, and all is well (like the old days before the housing meltdown). Portfolio loans are still full documentation loans, but are looked at from a common sense standpoint.

For example, let’s look at 1099 employee. These are folks that typically are considered “private contractors” and are given a 1099 at the end of the year to show earnings (instead of a W-2 like most employees). In this case, lenders need a 2 year history receiving that type of income. The reason for that is 1099 employees will sometimes have some unique write-offs on their tax returns that could possibly have an impact on what their actual net earnings are.

The problem with this is that many times 1099 employees are paid on a salary or set amount of income for a set amount of time. So basically, the borrower is guaranteed $X for the next X number of months, but can’t use that income to qualify because they don’t have a two year history of being a 1099 employee. Does that make sense? Heck no! Especially if that individual has worked in that same line of work in the past and has a degree in that field, but life isn’t always fair, so don’t try to get something you can’t get and focus on what you can get.

The reality is that all of the above scenarios are fairly common and people think they are stuck until they get a breath of fresh air learning about portfolio loans.

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HAWAII HOME OWNERSHIP TOOLS

Your Home Purchasing or Refinancing & Renovation Tools,

Home Improvements, Home Renovations,

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase.

Here are just a few of the home improvements

you might consider with any Home Renovation loan

Repair or replace a roof

Install, replace or repair gutters and downspouts

Replace, repair or upgrade your HVAC system

Repair or replace plumbing

Install, repair or replace electrical systems

Kitchen remodeling (including the purchase and installation of appliances)

Bathroom remodeling, Full interior painting, Total exterior painting

Repair or replace a septic system and/or well

Disability access (wheelchair ramp, elevator, widen doorways)

Build, repair or replace deck, patio or porch

Basement waterproofing and finishing

Abatement/Stabilization of lead-based paint hazards

Replace old windows, Room additions, Finish an attic

Add a second story to your home

Replace a termite damaged sill plate (a water-damaged sill plate also)

Possible landscaping items such as correction of grading & drainage problems,

tree removal, repair a driveway and sidewalks

FHA 203K

Your Home Purchasing or Refinancing & Renovation Tool

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

FANNIE MAE HOMESTYLE

The Conventional Alternative to FHA 203K

Great for Real Estate Investors and Second Home Renovations

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

USDA RURAL DEVELOPMENT

Up to $10K for Home Improvements, Renovations or a Simple Remodel

Mortgage Loan Officers, Real Estate Agents & General Contractors are ready to assist you

A SIMPLE HOME SHOPPING INSPECTION TOOL

Organizing your home shopping experience affords a wise decision-making process.

This simple home inspection tool makes your ultimate buying decision a smart one.

To print this document click on “Open in New Window” located at the lower right corner;

click on “File”; then click on “Print”. In the center of the screen you will

have the option to “Create A Printable PDF of the Presentation”.

START YOUR PATH TO HOME OWNERSHIP TODAY

FNMA HomeStyle FNMA My Community Mortgage FHA One-Time Close Construction Portfolio or VA home loan Homes for Sale REO Short Sales FNMA HomePath Properties HUD Homes USDA Homes Condominiums Co-Ops Townhomes Manufactured Homes Modular Homes Mobile Homes Log Homes Second Homes Investment Property 2-4 Family Custom Home Builders Custom Built Homes Luxury Homes General Contractors Home Improvement Experts Kitchen & Bathroom Renovations Real Estate Brokers & Agents Mortgage Lenders Federal Credit Unions Community Bankers Real Estate Listings Jumbo Investor Hard Money HARP HECM Equity Zero 3% 3.5% Portfolio Non-Warrantable Down Payment Assistance Homes for Sale REO Short Sales FNMA HomePath Properties HUD Homes USDA Homes Non-Warrantable FNMA FHLMC FHA VA USDA Approved Condominiums Co-Ops Town Homes Manufactured Homes Modular Homes Mobile Homes Log Homes Second Homes Investment Property 2-4 Family Custom Home Builders Custom Built Homes Luxury Homes Real Estate Brokers & Agents Down Payment Assistance Honolulu Alewa Height Alewa Height Kamehameha Heights Nuuanu Puumui Chinatown Iwilei Sand Island Hickam Court Hickam Village Liliha Kapalama Lower Punchbowl Makiki Makiki Heights Makiki Kai Kalihi  Kalihi Kai Kalihi Valley Moanalua  Fort Shafter Pauoa Valley Tantalus Punchbowl Pacific Heights Homes for Sale REO Short Sales FNMA HomePath Properties HUD Homes USDA Homes Non-Warrantable FNMA FHLMC FHA VA USDA Approved Condominiums Co-Ops Town Homes Manufactured Homes Modular Homes Mobile Homes Log Homes Second Homes Investment Property 2-4 Family Custom Home Builders Custom Built Homes Luxury Homes Real Estate Brokers & Agents Down Payment Assistance

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96817 Honolulu OLOMEA ST OLOMEA ST Olona Ln Luka St Emmeluth Ln Emmeluth Ln Kepola Pl Mason Pl LANUI PL Lanui Pl River St Iliahi St ILIMA DR Ilima Dr Nuuanu Ave Park St Momolio St Hanai Loop Sereno St Hanalima Pl HANANA PL Hanana Pl DAYTON LN Analu St Lanakila Avenue APAKI ST Pahili Rd Apaki St Liliha St Liliha Court Ln LILIHA PL Liliha St PAHOEHOE PL Pahoehoe Pl Gartley Pl NAIO ST Naio St Kalepa Pl Dayton Ln Nakele St McNeill St Kalikimaka St Puunani Place Craigside Pl Nalanui St Apio Ln VINEYARD BLVD Vineyard Blvd Paina St NAMAUU DR Namauu Dr Keaeloa Ln Iwilei Rd Kealakai St KEALIA DR Kealia Dr Huene St Kaluhikai Ln Kaluhikai Ln Nanaina Pl KAM HWY ROOKE AVE Rooke Ave Kama Ln Kamaaina Dr Twin View Dr Kamaaina Pl Kamaka Ln Akamu Pl Kamalii St Matzie Ln Akepo Ln Puu Paka Dr Panalaau St Puuhue Pl PUUMELE PL Puumele Pl PUUNANI PL Puunani Pl Puunui Ave Lee Pl Ragsdale Pl Paui Pl Alewa Dr Alewa Dr Alewa Pl Kimo Dr Maalaea Rd Beretania St Beretania St D1a Lanakila Ave Kamuela Pl PIKAKE PL Pikake Pl Hemolele Pl Maui St Holelua Pl Laimi Rd Kanani Pl KUALONO ST Kualono St Mauliola Pl Muliwai Ln Houghtailing Street HALONA ST Halona Pl Halona St McCandless Ln McCandless Ln MAO LN Mao Ln Maunakea St HOUGHTAILING ST Houghtailing St Rawlins Ln PALA ST Stillman Ln Kuakini St ALA KIMO DR Ala Kimo Dr Hotel St AULD LN Pala St Auld Ln Lowell Pl Aulii St Aulii St Hoomaikai St Gregory St Hau St Kuipaakea Ln Aumoae St HOLOKAHANA LN Robello Ln Aupuni St Kula St Kanoa St JACK LN Palama St Palamea Ln Malua Dr BARBERS POINT ACCS RD Palapala Pl KUNAWAI LN Kunawai Ln Jack Ln MAPU LN Mapu Ln HUINA ST Huina St MAMALAHOA PL Mamalahoa Pl MAMALU PL Mamalu Pl Mamalu St Waokanaka Pl Waokanaka Pl Waokanaka St Mawae Pl Waolani Ave POHAKU ST Pohaku Pl Pohaku St KUPU PL Kupu Pl Kaohinani Dr Kaohinani Dr Alakawa St Bates St KAPALAMA AVE Kapalama Ave Huli St  Makalapua Pl FOR RENT PANUI ST Wolter Ln Panui St PALI HWY Pali Hwy Palimalu Dr Bernice St Kapua Ln SKYLINE DR Bates St Elena St NUUANU PALI DR Nuuanu Ave NUUANU AVE ANALU ST Palama St Waipa Ln Honolulu Hi Hinalo Pl PUU PAKA Simon Rd WAIHELUA RD KAM HWY Wong Ln Aloha Aina Pl KAIHELENA PL Austin Ln LOPEKA PL Hoaloha Place Lopez Ln Hillcrest St ALOKELE ST Alokele St YAMADA LN Yamada Ln Lopez Ln Country Club Rd SHERMAN PARK PL SHERMAN PARK PL KUHIO HWY Niniko Pl Judd St Nuuanu Ave Niolopa Pl Niolopua Dr Alaneo St Kuakini St Moanawai Pl Stream Dr Alani St Skyline Dr Watson Pl Frog Ln KEKAU PL Kekau Pl Homelani Pl WINANT ST Winant St Waiakamilo Rd Ehako Pl Eheu St WAIHEE ST Akau Ln Waihee St Waikahalulu Ln Puunui Ave Hawaii St Hiram Ln BANYAN ST LANE Laa Ln Old Palama St Old Pali Rd Old Pali Pl Old Pali Rd Oo Ln Banyan St Sing Loy Ln WAIPA LN Waipa Ln Mason Pl Kiapu Pl Io Ln Long Ln Huna St PUA LN Pua Ln Brigham St SCHOOL ST Meleana Pl School St Pine St MORRIS McNeill St Henry St Alika Ave Ekekela St Ekekela Pl Iao Ln Luakini Pl Mahalo St Luakini St Laki Rd Lakimela Ln Nimitz Hwy Nu Pl Dillingham Blvd JUDD ST Judd St Hialoa St Poli Hiwa Pl Hikina Ln Craigside Judd St Hoaloha Pl Hoapili Ln BURBANK ST Morris Ln Haka Dr Hakumele Pl Kilakila Dr Hala Dr Kohou St Burbank St 29 Hillcrest St FOR RENT Halapia Pl Easy St Wood St KOKEA ST Kokea St Allan Pl Judd St Monte Cooke Pl Aala St Bachelot St PUIWA RD Puiwa Ln Puiwa Rd Craigside 2101 Nuuanu Ave College Walk Peter Buck St Naio St Dow St Park Pl Pulelehua Way Rosebank Pl Huake Pl Konia St Olaa Pl MAKALAPUA PL Makalapua Pl Olalahina Pl Easy St Makanani Dr Makanani Dr KING KING ST King St Nuuanu Pali Dr For Rent Polohi Pl Polohilani Pl Polohinano Pl Polohiwa Pl Makuahine St Makuahine Pl Makuahine St Makuakane Pl Makuakane St Momolio St Ahi Pl Ahiahi St Ahipuu St Eu Ln KAAUWAI PL Kaauwai Pl Peterson Ln Lei Rd Kaauwai Pl For Sale Hone Ln Mahalo St Walea Pl NUUANU Nuuanu Ave NUUANU PALI DR Malanai Pl PUNA ST Puna St KUAKINI ST Kuakini St Kukui St Noble Ln MUTUAL LN COELHO WAY Coelho Way Kaena Ln Kauai St Klebahn Pl Kahawalu Dr KAUMAILUNA PL Kaumailuna Pl Kaumualii St Judd St Lolena Pl Lolena St SCHOOL ST Aipaako St Dowsett Ave Ihe St IHOLENA ST Iholena Pl Iholena St Kawaiiki Pl Robinson Ln KAWANANAKOA PL Kawananakoa Pl Kaikuahine St Kaikuahine St Kaikunane Loop WYLLIE ST Wyllie Pl Wyllie St Lanai St LANAKILA AVE Lanakila Ave McGregor Ln AHIAHI PL KANOA ST KEPOLA PL LAA LN PALAMEA LN LOI KALO SING LOY LN Kaimuohema Pl Malino Pl Mcgrew Ln Pelekane Dr Keola St Keolewa Pl Keolewa Pl KEONAONA ST Keonaona St

96818 Honolulu Moanalua Rdg Wiliki Dr Anapa St Holapa St Likini St Tinker Ave Keaka Dr Manuwa Dr Puuku Makai Dr Puuku Mauka Dr Piikea Pl Piikea St 20th St Honohono St Haloa Dr Ala Akulikuli St Ala Alii St Ala Aloalo Pl Ala Aloalo St Pakini St Wanaka St Ala Aupaka Pl Ala Awapuhi Pl Ala Hahanui St Ala Hapuu Pl Ala Hapuu St Ala Haukulu Pl Ala Haukulu St Ala Hinalo Pl Ala Hinalo St Ala Hinano Pl Ala Ilima St Ala Kamaile St Ala Kapua Pl Ala Kapua St Ala Kika Pl Ala Kopiko Pl Ala Kopiko St Ala Laulani St Ala Lehua Pl Ala Lehua St Ala Leie Pl Ala Leie St Ala Leleu St Ala Lilia St Ala Lilikoi PlAla Lonomea St Ala Makahala Pl Ala Nanala St Ala Nanu St Ala Napuaa Pl Ala Napunani Ala Naupaka St Ala Nioi Pl Ala Noni Pl Ala Oli St Ala Oliko Pl Ala Oloa Pl Ala Opeha Pl Ala Pili Loop Ala Pili Pl Ala Poha Pl Ala Puaala Pl Ala Puaala Way Ala Puawa Pl Ala Pue Pl Ala Punene Pl ALA PUUMALU PL Ala Puumalu St Ala Ulike Pl Ala Ilima St Kukila Pl Kukila St Halupa St Palahinu Pl Mananai Pl Maluna St Valkenburgh St Hulakui Dr 7TH ST Ala Nanala St BOUGAINVILLE DR 8TH ST MANANAI PL Mananai Pl BOUGAINVILLE DR Mananai Pl KAHAKAI RD 18th St 19th St Signer Blvd 3161 Ala Ilima Moreell St MOANALUA RD Main St Aliamanu Pl Aliamanu St Likini St Laakea Pl Laakea St 1ST ST Puanakau St Ala Ilima St Luaole Pl Luaole St Luapele Dr Luapele Pl Ala Napunani St Mahie Pl Mahie St Main St Uila St Ukali St Ukana St Hakupapa St Olino St Wawe Pl Opua St Salt Lake Blvd Makaala St Ala Ilima St Olaloa St Epukane St Lehia St Ala Ilima St Loina Pl Naulu Pl Punihi St Aila St Puolo Dr Kahikolu Pl Kahikolu Way Likini St KAM HWY Molehu Dr Molina St ALA LILIKOI ST KAM MOANALUA RD LIKINI ST WANAKA ST SALT LAKE BLVD RADFORD DR

96819 Honolulu Emmeline Pl Pio Pl Pio Pl Waterhouse St Beckley St Beckley Pl Beckley St Laulani St KALAEPAA DR Kalaepaa Dr LUKELA LN Lukela Ln Laumaile St Kalena Dr Kalama Rd Kalama Rd Kalani St Kalania Pl WILSON ST Kale Pl LAGOON DR Pahukui St Pahulu St OWAWA ST Owawa St Iwaho Pl KALIHI ST Kalihi St Colburn St Nakuina St Nalani St NALANIEHA ST Nalanieha St Wilcox Ln Iluna Pl Owen St KINO Owene Ln Stanley St Huea Pl Kealoha Pl Kealoha St Kaluaopalena St Kam Iv Rd AKAHI ST Akahi St KAMANAIKI ST Kamanaiki St PUUHALE RD Puuhale Rd PUUKAPU ST PUUKAPU ST Kamehameha Hwy PUULOA RD Kamehameha Iv Rd AKINA Akina St Maalahi Pl Maalahi St Akone Pl Kamohoalii St Kamohoalii St Omilo Ln NOULO ST Kuapohaku Dr Kuahiwi Way Haaliki St Apona St Kuapapa Pl Kuapohaku Dr Wilson Pl Nene St Lakapu St Kini Pl Ala Amoamo Pl Ala Amoamo St Ala Aolani Pl Ala Aolani St Ala Aoloa Pl Ala Aoloa Loop Ala Aoloa Pl Hani Ln Hani Ln Ala Hekili Pl Ala Hoku Pl Ala Iolani Pl Ala Iolani St Ala Kapuna St Ala Kiao Pl Ala Kipa St Ala Kolopua St Ala Kula Pl Ala Lani Pl Ala Lani St Ala Mahamoe Pl ALA MAHAMOE ST Ala Mahina Pl Ala Makani Pl Ala Makani St Ala Makani Way Ala Noe Pl Ala Noe Way Ala Nolunolu St MEYERS ST Nanimauloa Pl Ala Uahi Pl Ala Uwila Pl Ala Waiopua St Kui Pl Hau St Kuikele Pl Kuikele Pl Kuikele St LIMA ST Lima St HAUIKI ST Hauiki St KULA KOLEA PL Kula Kolea Dr Kula Kolea Pl Meyers St Haumana Pl Kanoelani Rd Haupu Pl Factory St PALANEHE ST Palanehe Pl KINO ST Kino St Nimitz Hwy Adelaide St Poepoe Pl NIHI ST Adelaide St Nihi St Palena St Palena Pl Palena St HULALI PL Hulali Pl Mary St Ala Kapuna St Naopala Ln Pili Aloha Pl 2004B/C/D PUUKAPU ST Piliwai St Wilson St HOLUA WAY Holua Pl Holua Way Hart St Elua St ELUWENE ST PAPALI ST Eluwene St Papali Pl Papali St Manaiki Pl Self Ln Gulick Ave RICHARD LN 1728 Ahuula St FOR RENT Keha Pl Machado St Notley St ALA HOKU PL KALIHI ST ANUU PL PERRY ST MAKA IMOIMO ST Libby St KAAOHUAHUA PL Richard Ln Moanalualani Pl Linapuni St KAULANIAHEE PL Ala Kapuna St LINAPUNI MAHIMAHI RD Onipaa Pl Onipaa St EWA BCH PAPIPI MOANALUA Moanalua Rd Moanalualani Ct Moanalualani Pl Moanalualani Way MOANI ST Moani St ROSE ST ALA KAPUNA Ema Pl Wahine Pl Bannister Pl Ahihi Street Bannister St ANO LN Ano Ln Republican St WAIKAHE PL Waikahe Pl Unulau Pl Waikoae Rd Perry St Homerule St Wailele St Wailele St Hanu Ln Amelia St ASHFORD ST Kapalulu Pl Murphy St Merkle St Oheke Pl Amelia St Puaala Ln Puaala Ln Puanani Ln Meyers St School St Hiu St Silva St Linapuni St Farr Ln Farr Ln Maha Pl UAALAKAA ST Uaawa Pl Lakoloa Pl Mahani Loop Dillingham Blvd Mahaoo Pl Hihio Pl Dement St LALAMILO PL Lalamilo St Hiki St Pacheco St Uhu St Mahiole Pl Mahiole St OHU ST Ohu St Ukiuki Pl GULICK AVE Gulick Ave Haku Pl Haku St Hakuaina Pl Democrat St Ula St Ulana St Ulana Pl Ulana St GERTZ LN Gertz Ln Rose St Moelola Pl Numana Rd Numana Rd PULAA LN Pulaa Ln Rodgers Blvd Umalu Pl Pinkham St Kolopua St Monte St MIDDLE ST Umi St Horner St Arsenal Rd Horner St Ola Ln Ola Ln Kono Pl Kono St KING ST King St Harvey Ln Laniuma Rd Kopke St Fernandez St Ahihi St Poma Pl Lohilani St AHONUI ST Ahonui St Harvey Ln LEHUA ST Lehua St Ahu Ln Ahuahu Pl Laelae Way Ahuula St Anuu Pl Hoe St Hoenui St Koapaka St MIDDLE ST Kilohana St KILOHI ST Kilohi St KILOLANI PL Kilolani Pl VIOLET ST Kahaha St Kahai St Puolani St Puolani St Martin St Kamehameha Iv Rd For Sale JENNIE ST MARTIN ST STRM Kahanu St PUPUKEA HMST RD KAHAUIKI PL Kahauiki Pl Kahauiki St Lokelani St Ainapua St Jennie St Valley View Dr Likelike Hwy Nobrega St Halina St LEILANI ST Kaumualii St AOAO ST Leilani St Aoao Pl Aoao St Mokauea St Noe St VIOLET ST Kam Hwy Day Pl Alu Pl Alu St Kaili St Kawohi Pl KALIHI ST Lehua St Naai St A Beckley St Honolulu Hi ALA LANI Kalihi St Kamehameha Iv Rd EMMELINE PL King St LIKELIKE HWY Elliott St PILIWAI ST School St Maliu St PAPIPI

96822 Honolulu Huelani Pl Huelani Dr Huelani Pl Kamehameha Ave Parker Pl Clio St Poelua Pl Poelua St Haawale Pl Alekoki Pl Hoomaha Way Aleo Pl Hoonanea St Davenport Pl Peneku Pl Davenport St Pauma Pl Paumaka Pl Punahou Chalet Alexander St Papala St Kanu St Wilder Ave Kaonawai Pl Evelyn Ln Spencer St Makiki St Makiki St Vancouver Dr Pawaina Pl Pawaina St Pawale Pl Vancouver Pl Lower Rd Vista Pl Makiki St Hulu Pl Alexander St Victoria St Rainbow Dr Lowrey Ave Lowrey Ave LOWREY ST Hopena Way Mott Smith Dr Ualakaa Pl Ualakaa St Haena Dr Poki St Karratti Ln Hanupaoa Pl McCully St Anoai Pl Anoai Pl Koaniani Way Koaniani Way MAKALE A ST Uluwehi Pl Linohau Way Hunnewell St Hunnewell Pl HUNNEWELL ST Sonoma Pl Sonoma St Ferdinand Ave HAIKI PL Clark St Manoa Rd Manoa Rd Enos Ln HAIKI Ualakaa St UHINI PL WILDER AVE BEAUMONT WOODS Beaumont Woods Pl Manoa Rd Griffiths St Alihilani Pl Hillside Ave Kolomona Pl Kolowalu St Komaia Pl Komaia Dr Komaia Pl East Manoa Road Poloke Pl Pololei Pl Pensacola St Lipioma Way Makiki St Makiki Heights Dr Makiki Heights Rd MAKIKI HEIGHTS DR Makiki Pl Makiki St Lanihuli Dr Halekula Way Lanikaula St Halelani Dr Halelea Pl Halelena Pl Spreckels St Oliver St Malama Pl Rocky Hill Pl NEHOA PL Nehoa St Liholiho St Liholiho St Liholiho St Judd Hillside Rd JUDD HILLSIDE ST Leiloke Dr Prospect St Waakaua Pl Waakaua St Waaloa Pl Waaloa Way OLOPUA ST Lawa Pl Green St Kawika Pl Ahualani Pl Anuenue St Ventura St Keoni St Pawaina St Aina Lani Pl Aina Lani Way Nakiu Pl HASSINGER Hassinger St PROSPECT ST Aolani Pl Hiehie St Prospect St Lelehune Pl Dole St Metcalf St Puunanea Pl TOP DR Marques St Keahi St Keahi Pl Luna Pl Keahi St Woolsey Pl Piikoi Pl Piikoi St Keama Pl Lunalilo St Lunalilo St Wilder Ave KEEAUMOKU Beckwith St KEEAUMOKU ST Prospect Pl Ernest St Lunalilo St PROSPECT ST MAUNAIHI Magazine St Beckwith St KEEAUMOKU ST Ward Ave Pakanu Pl Pakanu St Anapuni St Lono Pl Lilo Pl Liloa Rise Damon St Kuahine Dr Mauna Pl Maunaihi Pl Maunalaha Rd Nanihale Pl Naniu Pl UNIVERSITY Keeaumoku St Keeaumoku Pl Keeaumoku St SEA VIEW AVE University Ave Wilder Ave PROSPECT ST Prospect St Seaview Ave Akaka Pl Wilder Ave Ward Ave Mott-Smith Dr MOTT SMITH DR Mott-Smith Dr Pilikino St Pililani Pl Dominis St Loomis St Kinohou Pl Kumu Pl Kumu St Halulu Way Kumukoa Pl Kumukoa St Kumulani Pl Kumulani St Kumuone St Kumuwai Pl Mamane Pl McKinley St One St Loomis St Oneele Pl MANAMANA PL Armstrong St Napuaa Pl Kewalo St Armstrong St Nipo St Waipuna Rise Wilder Ave Makiki Hts Dr Pinao Pl Pinao St Pinaoula Pl Pinaoula St Whitney St Terrace Dr Brown Way Hyde St Chamberlain St Puaena Pl CLEMENT ST HIPAWAI PL Heulu St Alani Dr Emekona Pl Melemele Pl ALAULA WAY Oahu Ave Oahu Ave Seaview Ave Atherton Rd Seaview Rise Atherton Rd Mahi Pl Puhala Rise Puhala Rise ROUND TOP DR Round Top Dr Round Top Ter Hoalu Pl Okika Pl Pulena Pl PULENA ST Mohala Way Farrington St Plumeria Pl KAWIKA PL Huapala St Anoai Pl Maile Way Punahou St Nehoa St MANOA RD Kaaipu Ave Loi St Kaala Pl Kaala St Kaala Way Wilder Ave KAAMALIO DR Kaamalio Dr Cooper Rd Kahaloa Dr Kahaloa Dr Kahaloa Pl Vancouver Dr Kahawai St Anela Pl Kahewai Pl Artesian Way Moku Pl Doris Pl Loulu St Kahiwa Pl Woodlawn Dr Loulu St Prospect St Lewalani Dr Lewalani Dr Avon Way Kaihee St Alexander St Pamakani Pl Woodlawn Dr Momi Way TANTALUS DR  Kakela Dr Tantalus Dr Kakela Iki Pl Kakela Pl Kalaiopua Pl Awapuhi St Woodlawn Terrace Pl Thurston Ave Aina Lani Way Judd Hillside Rd Round Top Dr Kalawahine Pl Kalawahine Pl Kalawao Pl Kalawao St Pamoa Rd Kalehua St Dole St Continental Plaza Lunalilo St Pipa Pl Puu Kakea Pl Puu Nanea Pl Puualii Pl Puuhonua St Paty Dr Kaloa Way KALOALUIKI PL Kaloaluiki St

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