The Home Buyer's Korner

Information presented should be used for educational purposes only.

June 16th, 2015

Guy looking up in color

GREATER KAILUA/WAIMANALO HAWAII

The Home Buyer’s Korner

Google+ RE Community

Google+ Mortgage Lender Community

Google+ General Contractor Communities

Go Solar With Your Home Purchase

If you’ve been considering going green, talk with your mortgage lenders about the Energy Efficient Mortgage (EEM) and receive additional funds for purchasing energy efficient items and help make your home purchase more environmentally friendly.

Installing a solar energy system may be a very smart way to help you save money, in addition to helping the environment!

The federal government, many states and even local utility authorities are providing tax incentives and rebates for installing solar panels and other energy efficient appliances. Taking a little time and researching your options could save you thousands, which makes going green all the more to your advantage when choosing a place to call home.

To help get you start finding out what you might qualify for. Here are a few links to get you started:

Once you’ve decided to go green there are many installers to select from, but not all might have the necessary experience. If you’re thinking about a solar energy system or other energy efficient items be sure to ask questions and get references!

Some question to help you get start would be:

How many solar panel systems have they installed?

You want to make sure to find a reputable company that has a significant solar experience and has successfully completed at least 50 installations.

Ask for seasoned referenced (at least a few years old) before you sign anything. Doing so gives you an opportunity to ask about your contractor’s follow up service as well.

What is the output in kWh per year?

Many times, solar panel brands will claim to be more efficient than others.

You’ll want to weigh the annual output against the price to determine what system is going to be the most cost effective for your home.

When getting an Energy Efficient Mortgage (EEM) it’s important to note you’ll want to have an energy audit on your home purchase, as part of the inspections process to maximize your home’s energy efficiency before sizing the solar power replacement system. You may be able to install a significantly smaller, and less costly system simply by doing a few additional home improvements and an energy audit can help you determine that.

How long is the warranty on the panels?

Most high-quality solar panel systems have a warranty for at least 25 years.

Top-of-the-line panels usually guarantee an output of no less than 90 percent after ten years and no less than 80 percent after 25 years.

Be wary of any company whose panels don’t come with a warranty.

Do they include a warranty on labor?

Many states require a warranty on labor in order to receive your rebate.

Reputable installers should have no problem including at least a 10-year warranty.

What is the final price?

Don’t get separate pricing for the parts, labor and rebates. Get a comprehensive price, so you can directly compare the total cost and kWh per year among providers.

Also, pay attention to the difference between purchasing your solar power system versus the leasing options available.

Leasing has become popular due to the low—or possibly no up-front cost, but most experts agree that purchasing the system leads to a quicker payoff and return on your investment. Also, you CAN’T included the cost in your EEM, FHA 203K or FNMA HomeStyle Renovation if you lease your system.

VISIT OUR GREATER KAILUA/WAIMANALO AREA

HOMES FOR SALE LISTINGS

Livingston Homes for Sale

FIND HOMES THROUGHOUT KAILUA/WAIMANALO HAWAII

HUD FORECLOSED HOMES IN & AROUND THE GREATER KAILUA/WAIMANALO HI

USDA FORECLOSED HOMES IN & AROUND THE GREATER KAILUA/WAIMANALO HI

FNMA HOMEPATH FORECLOSED HOMES IN & AROUND KAILUA/WAIMANALO HI

FIND MORE FORECLOSURES IN & AROUND KAILUA/WAIMANALO HI

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-OpsTown homes 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 Keolu Hills Lanikai Maunawili Pohakupu Waimanalo Waimanalo Beach Aikahi-Kaimalino Coconut Grove-Kalama Country Club Knolls Enchanted Lake Enchanted Lakes Hillcrest Kailua- Kawainui Vista Kalaheo Kalaheo Hillside Kukanono Kuulei Lanikai Olomana Oneawa Canal Neighbors Pohakupu Aikahi-Park Beachside Bluestone Kaiilua Bluffs Kailua Estates Kailua Town Kaopa Kawailoa Keolu Hills Kukilakila Kuulei Tract Maunawili Kaluamoo St Kaluli St Manulani St KAM HWY Kamahele Pl Kamahele St Panekai Pl Kamani Kai Pl Kaikaina St Paumakua Pl Kina Srtreet Kina St Kanaha St KANAPUU KANAPUU DR Kanapuu Pl Paulele St Kaneapu Pl Aleka Pl Kaneohe Bay Dr Kaneohe Bay Dr KANEOHE BAY DR Hoolea Pl Paokano Loop Paokano Pl Paopua Loop Paopua Pl Hoopuni Dr Paumakua Pl Paumakua Way Papalani St Hui St Hooulu St Kapaa St Aukele St Aulepe St Aulike St Aulima Loop AULOA RD Aumoe Rd Aunauna St Aupapaohe St Aupula Pl Aupupu Pl Aupupu St Mowai St Aulike Street Nowela Pl Pokole Way Uilama St Paakiki Pl Paako St Haokea Dr Humuula Pl Humuula St Humuwili Pl Noninui Pl Ulualana Pl Uluamahi Pl Ulueki Pl Ulueo St Uluhaku Pl Uluhaku St Uluhala Pl Uluhala St Uluhao Pl Uluhao St Ulukahiki St Ulukanu St Ulukou St Ululani St Ulumalu St Ulumanu Dr Ulumawao St Ulumu St Ulunahele St Uluniu St Uluoa St Uluopihi Loop ULUPA Ulupa St Ulupaina St Ulupalakua St Ulupii Pl Ulupii St Ulupuni St Holoholo St. Holoholo Hale Kainalu Dr Kalaheo Ave Kalaheo Ave Pouli Rd KAHAIAKA Kalaheo Ave Kailua Hi MOKAPU RD MOKAPU ROAD KMCAS Dune Cir Hepaki Pl Nunu St Alihi Pl White Sands Pl Makalii Pl POMAHINA PL Makawao St Koohoo Pl Kooku Pl HALELA PL Halela St Makua St Lanipo Dr Wilikoki Pl Maleko St Lihiwai Rd Liku St HALIA ST Halia St Kaulani Way Kaumana Pl Auwai St Auwaiku St Auwina Pl Auwina St Auwinala Rd Olomana St OLOMANA ST KAIL Kawailoa Rd Kawailoa Rd Kawainui St Old Kalanianaole Rd Luika Pl Keolu Dr Aikahi Loop Aikahi Pl Aikane Pl Aikane St Aikapa Pl Aikapa St Pahumele Pl Pahumele Way Lekeona St Lapa Pl Aimikana St Ainoni St HAHANI ST Aoloa Pl Aoloa St 641 Auwina St Aiokoa St Namala Pl Nanaloko Pl Wanaao Pl Wanaao Rd Nanawale Pl Nanawale Way Omao St MOKAPU BLVD AKUMU ST Lorange Pl Makalii Pl Kaneapu Kealahou Pl Lunaai Pl Lunaai St Lunaanela Pl Lunaanela St Lunaapono Pl Lunaawa Pl Lunahai Pl Lunahana Pl Lunahaneli Pl Lunahelu Pl Lunahelu St Lunahooia Pl Lunahooko Pl Keaniani Pl Keaniani St NAPUAHANI RD Laiki Pl Kuaaina Way Kuailima Dr Maunawili Cir Maunawili Loop Maunawili Rd Kupau St Kuau St Nanialii St Nanialii St Molo St Ponopono Pl Palapu St Akipola St Paako St Palawiki St Akaakaawa St Akaakoa Pl Akaakoa St Akahai St Akahele Pl Akaiki St Akake Pl Akake Way Akaki Way Akalani Loop Kukana Pl Akalani Pl Kukana Way Akalei Pl Akamai Pl Akamai Pl Akamai St Akanahe Pl Akea Pl Akeke Pl Akekeke Pl Akele St MALUNIU Maluniu Ave MALUNIU ST Holoholo St Akiahala Pl Akiahala St Akialoa Pl Akialoa Way Akiikii Pl Pilipu Pl Onaona Pl Apokula Pl Apokula St Kuloaa Pl Akiohala Pl Mapuana Pl Akiohala St AKIPOHE PL Akipohe St Akipola St Mapuana St Akiu Pl Old Mokapu Rd Akoakoa Pl Akoakoa St Hauoli St Halula Pl Palione Pl Akuila Pl Akuleana Pl Akumu Pl AKUMU ST Akupa Pl Akupa St Mookua St Kupau Pl KUPAU ST Hamakua Dr Hamakua Pl Poo Pl Oneawa Kai Pl Oneawa Pl Oneawa St Manae St Kuuala St Kuuhale St Kuuhoa Pl Kuukama St Kuulei Rd Kuumele Pl Kuuna Pl Kuuna St Kuupua St Poopoo Pl Aalapapa Dr Onekea Dr Kehaulani Dr Wailepo Place Onioni St Wailepo Pl Wailepo St Lopaka Pl Lopaka Way Hinano Way Alahaki St Kailuana Pl Alala Pl Alala Rd Kipuka Pl Pinana St Mei Pl Ilimalia Loop Kelewina Pl Kelewina St Ohana St Puako Way Aloha Oe Dr Ohiki Pl Poopoo Pl Kuulei Road Main House Iopono Loop Pueohala Pl Alahaki St Mahealani Pl Iana Pl Iana St Mahiloa Pl Lala Pl LALE ST Lale St Lama Pl Kihapai Pl Kihapai St Aoloa Pl Pukoa St Kika Pl Kika St Hekili St Kalaheo Ave Hele St Tbd Lopaka Way Mokapu Rd OKO ST Akipola street Popoia Rd Hualani St Punaa St Punaa St Punana Loop Manono St Ka Awakea Pl Ka Awakea Rd Kiukee Pl Punua Pl Punua Way Loho St Aala Dr Aalapapa Dr Aalapapa Pl Aalapapa Way Kaanua Pl Milokai Pl Milokai St Kaapuni Dr Kainalu Dr Kalaheo Ave KAELEPULU Kaelepulu Dr Kaha Pl Kaha St Lokelau Pl Kahako Pl Kahako St Mokapu Blvd Mokapu Rd Mokolea Dr Kahili Pl Kahili St Mokulua Dr Lola Pl Mokulua Dr Mokumanu Dr Lola Way Kahoa Dr Auauki St Kai Nani Pl Kai One Pl Kaapuni Dr Lanae Way Kaiemi St NOKE ST Kaiholu Pl Kaiholu St Kaihone Way Kaikaina St Kaikea Pl KAILUA RD Kailuana Loop Kailuana Pl Kailulu Way Kaimake LoopKaimalino Pl Kaimalino St Kaimi St Kaimoani Way Kihapai St Ikemaka Pl KAINALU DR KAINALU ST Kainui Dr Kainui Pl Kaiolena Dr Kaiolino Way Kaipiha St Kaipii St Kaipii St Kai One Pl MOLO MOLO ST Pamaele St Kakahiaka St Lauloa St Launa Aloha Pl AWAKEA RD Iliaina Pl Iliaina St Kalaheo Ave Kalaka Pl Ilihau St Ilikaa Pl Ilikai St Ilikala Pl Ilikea Pl Ilikupono St Ililani St Ilimalia Loop Ilimalia Pl Ilimano Pl Ilimano St Kalama St Ilipilo St Iliwahi Loop Kalanianaole Hwy KALANIANAOLE HWY Kalawai Pl Hanale Pl Puualoha St Puukani Pl Noke St PUWA PL Pauahilani Pl Pauahilani Way Paukiki St Pauku St Manu Aloha St Manu Laiki St Manu Mele St Manu Oo St Kalolina Pl Kalolina St Aoloa St Aoloa St HIHIMANU ST Kawahine Pl Makaainana St Poalima Pl POALIMA ST Kuhimana Pl Kuhimana St ALAIHI ST Makakalo St Paloa Pl Mooiki St Kekumu Pl Moole St Hekiliiki Pl Kaulukanu St Hekilinui Pl Nonokio St Laumilo St Laukalo St Ahiki St Kanehunamoku Pl Laulii Way Laumilo St Waikaloa St Kulaiwi St Waikupanaha Pl Waikupanaha St WAILEA Kakaina Pl Kakaina St PIOHIA PL Kumauna Pl WAILEA ST Ilauhole St Kumuhau St Kumuula St 9TH Kaulukanu Pl KALANIANAOLE HWY Nenue St ROADWAY-KALANIANAOLE Bell St Kalau Pl MANANA ST Waiokeola St Wailea St Mahiku Pl Inoa St Inoaole St Kalanianaole Hwy ALOILOI ST Hoopulapula St Mahailua St Koa Moali Pl Manawaiola St Haunaukoi St Oluolu St Kaaiai St Mokulama St Flamingo St Mahiku Pl Kaauiki Pl Kaaumana Pl Kaaumana Pl Kaaumoana Pl Humuka Loop Humuna Pl Humuniki Pl Humuniki St Humupaa Pl Humupaa St HULI ST Kalanianaole Hwy Haleiki Pl HAUNAUKOI ST KUMUHAU ST NAKINI ST Hanalulu Pl ALA KOA Ala Koa St Saddle City Rd Lupe St Kamanaaina Pl Kamanaoio Pl Malolo St Paupahapaha Pl PUUONE ST EHUKAI ST Mekia St HILU ST Kalanianaole Hwy Nakini Pl Nakini St Kauholokahiki Pl Kauholokahiki St Poliala St HINALEA ST Maiaeka Pl KAULU ST Kaulukanu St Laumilo St Kalanianaole Hwy Kualau Pl Kumuniu Pl Kumuniu St Lukanela St Nalu St

Join us at Real Estate Social

Comments are closed.