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Loan Level Pricing Adjustments – For Better Or For Worse?

⬆️⬆️⬆️ WATCH VIDEO ⬆️⬆️⬆️ Fannie Mae & Freddie Mac have recently introduced Loan Level Pricing Adjustments. That announcement can be found here ➡️ https://singlefamily.fanniemae.com/media/33241/display You may be wondering: ✅ What Are Loan Level Pricing Adjustments? ✅ Who Do They Affect? ✅ How Can I Prepare To Buy A House? ✅ HomeReady & HomePossible Programs plus 100-120% AMI PDF One Page Resource guide in the sidebar. Explore the Area Median Income Guidelines by address: Fannie Mae HomeReady - https://ami-lookup-tool.fanniemae.com/amilookuptool/ Freddie Mac HomePossible - https://sf.freddiemac.com/working-with-us/affordable-lending/home-possible-eligibility-map

1.2m Drop Price vs SBD (-50K)

Drop Price -50K vs SBD -0K (1.2K). The key is monthly payment, and a buyer's goal is to achieve the lowest payment to obtain the loan the lender has qu5alified for them.

DROP RATE vs. DROP PRICE

Hey there! These higher interest rates are impacting buyers' qualifications SIGNIFICANTLY. Also, higher rates are also beginning the "price drops " trend, which sellers use to help attract affordable housing for buyers. But do most sellers know the actual numbers on how a PRICE DROP impacts buyers? Probably not... Let me share a more effective through which we can all win together, even in the current housing market! PRICE vs. RATE - Did you know that a PRICE DROP of 95k has the same impact as 20K used to DROP RATE for a buyer's payment? Using a SELLER BUY DOWN strategy, instead of taking 95K off of list price, why not save $75,000 and still bring back affordability to the buyer? Watch the videos below or to the right to see for yourself. SELLER BUY DOWN (SBD) - Let me show you how a SBD works, and how both the Buyer & Seller can WIN-WIN. FOR LISITING AGENTS: Marketing Your Property - Once you understand how POWERFUL it is to DROP RATE vs. DROP PRICE with the SBD strategy, I'm sure you're gonna get excited!! Let's market your property with a custom SBD Video from me so that we can spread and help affordability to all buyers. Let's all WIN TOGETHER!

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91-1640 Honouliuli Street Unit 73

Step into the warmth of your new contemporary haven at Mamaka at Ho'opili built in 2023! The Lako Plan 10 is the epitome of modern living and a favored choice for many. This two-story gem boasts 4 bedrooms and 2.5 bathrooms, featuring an inviting open kitchen floor plan, a convenient 2-car garage, and the added comfort of split ACs. Stay connected effortlessly with the state-of-the-art Connected-Smart Home System that is integrated with every feature of this home. Discover the charm of the SoHo community center and pool just a stone's throw away, complemented by a dog park and scenic pedestrian and bicycle pathways you can take to the commercial areas of Ho'opili or head out to the Ho'opili Rail Station with a Park and Ride area. With ample street parking, inviting friends, family, and guests is a breeze. Welcome to a lifestyle where contemporary design meets convenience and community – your perfect home awaits! Missed out on this last Mamaka lottery? Open House 1-5pm on December 10, 2023. Enjoy virtual tour.

91-1008 Kaiopua Street #M4

***WATCH BUYDOWN OPTIONS VIDEOS*** **$13,580 Seller's Credit towards Buyers interest rate buy down/closing costs** Welcome to this well-maintained 2 bed, 2.5 bath townhouse! This beautiful home has been impeccably cared for and is move-in ready. The main level of the home also includes a functional kitchen that boasts ample counter space and storage, making meal preparation and entertaining a breeze. Upstairs, you will find two generously sized bedrooms, each with their own private en-suite bathrooms. The master suite is a true retreat, with a walk-in closet and a master bath with dual sinks. The townhouse also features a two-car garage, providing plenty of room for storage and parking. Other notable features include central air conditioning, a washer and dryer on the bottom floor, and a fenced-in outdoor space, perfect for enjoying the beautiful Hawaii weather. Conveniently located near shopping, dining, and entertainment, this townhouse is perfect for those looking for an easy and low-maintenance lifestyle. Don't miss out on this incredible opportunity to make this beautiful townhouse your own!

1060 Kamehameha Hwy Apt 1102A

***WATCH SPECIAL PROPERTY FINANCING OPTIONS VIDEOS*** Convenient location in Century Park Plaza! Unit is located in the Ocean side tower and has expansive views from Pearl Harbor to Honolulu and Diamond Head. Bedrooms are on separate ends of the unit for privacy. Bedrooms get cool trade wind breezes, plus there are two window AC units (master room & living room). This home has great potential for the first-time home buyer, investor, or downsizer! Interior has been recently renovated/painted and popcorn ceiling has been "removed". Live "as-is" or upgrade to your personal taste. Swimming pool and basketball court available. Unit also comes with 2 separate "covered" parking spaces, 24 hr. security, and fob entry. Close to freeway access, movies and dining at Pearl Highlands, Sam's Club, post office, future rail station and more!

Reviews

"I refinanced my home with help of Brian and he went above and beyond of my expectation. I originally contacted him to see if I would be qualified if I sell my condo and buy a new one. He had great knowledge of the current market condition of the areas I was looking for and my current residence, so he gave me some great advice. I decided not to sell and buy after all but decided to refinance my home. Throughout the process, he was always on my side and informed me what is happening, what will happen next, and what I need to prepare for the next step. At one point, my salary was becoming an issue. I am a flight attendant and our pay system is very unique. Because Brian is also a flight attendant and understands how our pay works, he explained it to the underwriter while he told me exactly what I need from HR. Because of his knowledge for my job and description to his underwriter, my loan was approved without any further issue! He was very professional, prompt when responding to my questions, and supportive. I am so grateful for his hard work and help. I would recommend him to anyone who is considering to purchase a new home or refinance."

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