The Home Buyer's Korner

Information presented should be used for educational purposes only.

June 18th, 2015

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GREATER PEARL CITY HAWAII

The Home Buyer’s Korner

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Finding a Good Neighborhood

NeighborhoodLocation is the key to any real estate transaction. When looking to purchase a new home, you need to not only look at the home, but the surrounding neighborhood. Consider your personal relationship to the area first. How far is it from work, school and shopping? If you will be facing a longer commute time, you may be facing higher gasoline costs.

Drive the morning drive from the potential neighborhood to work and school. You may find that the drive is much different at 7:30 in the morning than it is at 2:15 in the afternoon.

Is the neighborhood what you need for your family? Are there area schools, neighboring children and churches of your faith? Are there parks or recreational activities for your children? If you are older, are there activities that you enjoy? Are there senior citizen facilities for your parents?

You will find two types of bad neighborhoods out there. There are those that look just awful, and those that are awful in disguise. You may not notice that a neighborhood isn’t perfect as you drive by it during the day. The neighborhood is quiet and clean. But once night sets, people loiter on the corners and petty theft becomes a common activity.

Most people don’t realize that they are purchasing into a bad neighborhood until it is too late. It is important to drive through the neighborhood during the day, night and weekend nights. What else can you do to determine the true nature of the neighborhood?

Start with checking out the crime statistics for the area. You can find neighborhood specific data. However, you should also check the surrounding area within a several mile radius. Crime statistics are available through your local police department or online. You can go to the United States Census Bureau for more information.

Even if you don’t have children, you should check the local school district performance. This can be an indication of the quality of life and crime in the neighborhood. Compare the information to that of schools throughout the city or state. Ask how many extracurricular activities are available for students — the more time at school, the less time for trouble.

You should look at the various local amenities in the area. You are looking for high quality shopping, well maintained public areas, plenty of entertainment options and restaurants. Drive through the neighborhood and the surrounding streets. Are the homes in good condition? Are there signs of growth, such as remodeling or new building? Are the streets maintained and police patrolled?

Find out what the percentage of ownership is in the neighborhood. The higher the rate of ownership, the better your investment becomes. Don’t be afraid to get out there and ask questions. Ask the local police department what they think of the area. Have your Realtor show you comps on the streets surrounding the neighborhood. Ask home inspectors, appraisers and residents about the neighborhood.

By doing a little investigative foot work, you can make sure that you are purchasing a home in a good neighborhood, thus protecting your investment.

VISIT OUR GREATER PEARL CITY AREA

HOMES FOR SALE LISTINGS

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FIND HOMES THROUGHOUT PEARL CITY HAWAII

HUD FORECLOSED HOMES IN & AROUND THE GREATER PEARL CITY HI AREA

USDA FORECLOSED HOMES IN & AROUND THE GREATER PEARL CITY HI AREA

FNMA HOMEPATH FORECLOSED HOMES IN & AROUND PEARL CITY HI

FIND MORE FORECLOSURES IN & AROUND PEARL CITY 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

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