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• M
• 2025/01/22 (Wed) 14:07
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You will need to provide documentation of your income and taxes paid for the past two years for loan approval, but you should consult with the loan officer at the bank where you have your account ？

Affordable Condo （ Income Restricted ） Condos are also subject to loan You may want to consult with your banker.

• ocean
• 2025/01/22 (Wed) 18:37
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Satsuki-san

Before you decide on a bank, you need to decide on a property, and the bank recommended by the real estate is easy to get through.
If it is an Affordable property, there are several banks that we work with.

• さつき
• 2025/01/23 (Thu) 13:11
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Thanks for the info.
I made a mistake with the $200,000 not the $2 mil, I'm not sure if even $200,000 will get me through the screening process, but $2 mil is
outrageous. （ lol ）
If there is a loco bank that is easier to get approved, I was thinking of switching my account to them first, but it is more
realistic to talk to the loan officer on my account or look for Affordable properties and see if they go through from a bank they are affiliated with. So it would be more realistic
to do that. I will try ！
Thank you.

• 不動産
• 2025/01/24 (Fri) 00:49
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It is no different for any bank to say which Mortgage Loans are easier to get through. I think you should ask the loan officer at the bank for a Pre-Approved consultation, and they will tell you how much you can borrow with your current income. If the property is a condo with a leasehold ？ of $200,000, then you will have to pay the mortgage loan, leasehold, and maintenance fees. I think the combined amount of the mortgage loan, leasehold, and maintenance fees must be less than 40% of your monthly income.

• 不動産投資家
• 2025/01/27 (Mon) 17:35
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Hawaii's real estate market is unique and mainland banks are unlikely to mortgage a property in Hawaii. On the other hand, it is rare for Hawaii banks to provide financing for mainland properties. Therefore, it is likely that you will get a loan from a Hawaii bank. The interest rate, points, and loan approval will depend more on the banker than on which bank is easier to obtain a loan from. First Hawaiian and Bank of Hawaii are the top two major banks in Hawaii, followed by CPB and American Saving, which are the four major banks in Hawaii, Hawaii National, Hawaii State, and Hawaiian Financial. Hawaii National, Hawaii State, and Hawaiian Financial.

In Japan, the standard is five times your annual income, but in the U.S., the standard is three times or 30% of your income. A $200,000 property with an annual income of $40,000 may be a bit difficult. The best way to get a mortgage is to increase the down payment, but with the current level of interest rates, I would think that the purchase itself would be a consideration. Also, insurance premiums have gone up dramatically due to last year's natural disasters, and with the LA wildfires coming up, I think you should expect a spike in expenses other than mortgage repayment.

Affordable properties can be bought for considerably less than the value of the property. Also, PreApproval is easy to obtain, so if you take PreApproval with an estimated price that matches your purchase budget, you will have an easier time getting an offer on your purchase.

• リアル下界住人
• 2024/12/13 (Fri) 14:24
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You have to have a lot of money to just live in PV
Torailers come and go by the hundreds in San Pedro.
Only a handful of Japanese can live in PV even after living in LA for many years.

• 昭和のおとっつぁん
• 2024/12/16 (Mon) 08:20
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47

If safety and school districts were a priority, the Japanese would be living there.

• 下の世界
• 2024/12/27 (Fri) 11:12
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48
School district and safety are among the best in the U.S.
Unfortunately,
I hear you can't live there with a normal income level
Let's watch it together from below.

• 昭和のおとっつぁん
• 2024/12/28 (Sat) 08:23
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49

It's like watching the movie Heaven and Hell.

• pve
• mail
• 2024/12/28 (Sat) 11:53
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Palos Verdes Estates has its own police department and is very safe, while Rancho Palos Verdes is under the jurisdiction of the LA County Police Department and is slow to respond, so there are a lot of gated residents. Rancho is the same near the ocean, but either way, the scenery and air are great.

But I was surprised at first, when I drove a little bit, to see oil tanks lined up like in the middle east, depending on the direction of the highway. You could call the police or fire department directly and ask them. The neighboring city of Redondo Beach also seems to be nice with an independent school district and police department.

• Owl
• mail
• 2024/09/03 (Tue) 23:53
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I used to live in Chicago. It's a nice place, but cold. LOL
It depends on what part of Irvine you want to live in, how many bedrooms you need, and if you can drive … but the climate is pleasant and comfortable year round. There is a lot of entertainment, the beach is only 15 minutes away by car, and you can even go skiing in the snowy mountains if you drive 2 hours.

With houses, you have to do the renovations and maintenance on your own, which is inconvenient. With apartments and condominiums, it's easier because they take care of the maintenance. If you have young children, I recommend a place with a park.

I think it is by far the easiest place to raise children.

• ハテナ
• 2024/09/04 (Wed) 18:04
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Rent means rent, so maintenance is the landlord's obligation.

• College
• 2024/09/09 (Mon) 04:00
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アーバインは結構暑くなりますよ
良いところに住みたいなら海に近い所？

日系幼稚園に入れたいならタスティン辺りが便利かもしれません
予算は十分あるようなのでアーバインカンパニー系の
年式の新しいアメニティの揃ったアパートが良いと思います
プールは当然、テニスコートなどがあるところが良いかも

夕方はどの高速道路も混むので下道で通勤できるところ、学校の送り迎え出来るのが便利でしょう
アーバインはアメリカじゃないアメリカです
治安は基本とても安全ですが車上狙いはあります

• れんと
• 2024/08/19 (Mon) 10:30
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Depending on the budget, there is an AirB ＆ B in downtown for ＄ 110 ＋ Tax per night.

Soon a slightly cheaper AirB&B will open in the same building.

• HCC
• 2024/08/19 (Mon) 13:00
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Even if you find a property on Craigslist or Facebook marketplace, I think
you should be fine as long as you get a proper showing and meet the owner ？ before you decide to move in.
We are on the renting side, but on the other hand, there are some suspicious prospective tenants who have not had showings and
sometimes inquire from off-island locations, such as the mainland, to decide to move in!

• 不動産屋
• 2024/08/19 (Mon) 14:18
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In Honolulu, especially in Waikiki, there are very few lenders for people who want to live in Honolulu, and there is an imbalance between the number of people who want to live in Honolulu and the number of people who rent. Therefore, the rent is going up and up.
Also, as you know, Waikiki is a hotel complex, so condominiums built in between the hotels are especially popular. Kalakaua AVE and Royal Hawaiian AVE are the center of the city, and as you move away from them, rents become a little cheaper.

• れんと
• 2024/11/10 (Sun) 23:01
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Downtown, if you only want Room Rent with shared shower, toilet, and kitchen,
there are several.

The cheapest is ＄ 300, the most expensive, ＄ 2,000.

• 飲食バイト
• 2024/11/20 (Wed) 12:45
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I want you to do something about the old Kansai woman who doesn't have a company in Hawaii, but is making a fortune by doing extensive bakeleng
.

• 雨
• mail
• 2024/11/17 (Sun) 17:21
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Normal Homeowners Insurance includes Plumbing.

We have AAA insurance which includes auto, homeowners, and earthquake.

I've only used auto when I hit another car lightly.

I don't use insurance because I can fix things that are easily fixed by myself, such as house sewage.

The kitchen and bathroom sewage side of the house has a sewer line that runs to the street outside

Sometimes I have to dig up the yard, so I might use insurance for that.

We use AAA, but I haven't compared it to others, so I can't answer "recommended insurances".

You could go to various insurers from one end to the other and say what your requirements are and compare.

There are many different insurance companies, but I may not be able to comfortably give you a "recommendation" because the amount of payment varies greatly depending on detailed conditions.

• 風
• 2024/11/19 (Tue) 12:36
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Mr. Rain

Thank you for the news ！

• MAHALO
• mail
• 2024/11/06 (Wed) 16:52
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I bought a house from a condo 20 years ago and now I regret that I should have kept the condo because both have tripled in value, but it seems that the management fees have gone up because of that, so when you buy a condo, you should look for the actual amount plus the monthly management fees ＋ ＋ electricity I think it is a good idea to include the amount of annual property tax in your budget when looking for a condo.

If you plan to live there for a long time, it would be a shame to rent, but you can also buy a reserve condo with income restrictions for less than the market price, although you are bound to have to live there for 10 years.

• nicole
• 2024/11/06 (Wed) 18:02
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#4 min #6 MAHALO
It is nice that you live in a single family home.
However, I have heard of people being robbed while on vacation when the whole family is away, even with Secom.
Are you two ok ？
I have never heard of anyone being robbed in an owner-occupied condo.
It must be safe because it is a condo with many owners.
It's nice that condos have security and it's hard to tell from the outside if you're away for long periods of time, but
the downside is that management fees go up.

• お部屋
• 2024/11/06 (Wed) 22:37
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Thank you all for your input.
I have started looking for an affordable condo in Waikiki ！.

• ハワイ
• 2024/11/08 (Fri) 09:52
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I, too, plan to buy next year.

I am looking mainly in the Makiki area.

If you are buying, you are supposed to use a real estate Agent, but
it seems that you are supposed to sign a Buyer Agent contract
with the Agent before viewing the property.

In other words, it is a contract that says, "I will select you as my Buyer Agent
." This is a contract that says "I will select you as my Buyer Agent .

In the past, there was no problem to sign this contract at any time, but
from this year, the law has changed and it is necessary to sign
before viewing. Of course, the contract with the Agent is free of charge
and the contract can be cancelled at any time.

• satou姫
• 2024/11/16 (Sat) 01:27
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Rough ceilings in older condos are popcorn sealing, spray paint containing asbestos
If you buy such a room, the ceiling needs to be replaced.

If you rent, avoid rough ceilings
Asbestos is a health hazard, so be careful!

• my melody
• 2024/10/19 (Sat) 15:02
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Topy

Surely both are still short.
I'll have to call each manufacturer or go online to find out the difference between the estimated repair cost and the
new replacement cost.

• ハワイ暮らし
• mail
• 2024/10/19 (Sat) 20:57
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"The refrigerator is flooded" means that you have put too much stuff inside. We recommend that you rearrange the food inside a little.
I think the same reason applies to the washing machine.

• Ginger
• mail
• 2024/10/21 (Mon) 15:50
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To answer the above question differently, you can extend the warranty on expensive items by paying with a Credit Card that has an Extend warranty. After that, most whirlpool refrigerators are covered with appliance care for $ 21.99 per month. There used to be a Credit Card with Extend Warranty that didn't have an annual fee, but there are very few these days. If you know of one, please let me know ？.

• KAN
• 2024/10/21 (Mon) 17:03
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In the U.S., the most common practice is to replace rather than repair electrical appliances that are out of warranty.
The reason for this is that in most cases the repair cost is the same as the new replacement cost.
First of all, the labor fee （ and labor time ） of the repair technician is much higher than in Japan.
If you must repair a product, do so only for products that you have fond memories of or something like that.

• ハワイ
• 2024/11/08 (Fri) 09:54
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I recommend that you buy a new one.

＃ As Mr. 7 said, considering the repair cost,
it is better to buy one.

• dobon
• 2024/09/20 (Fri) 22:02
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20 years ago ？ ？ ？
there are property taxes now
trailer homes are not cheap
someone I know is paying $2400

• 昭和のおとっつぁん
• 2024/09/21 (Sat) 07:55
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You don't own the land,
it's owned by Mobil Home Park
you rent the lot, so you need to pay rent.

• モービル
• 2024/09/21 (Sat) 08:40
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Thank you all for your writings.

• z
• 2024/10/13 (Sun) 16:35
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Property taxes and repairs will be charged.

• キビシイ
• 2024/10/23 (Wed) 09:44
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Mobil Home's rent of approximately $ 600 per month may include additional costs other than utilities. For example, you may have to pay for Internet access and furniture rental. It is a good idea to check with the official website of Mobil Home or the owner for specific additional costs.

You may want to check Mobil Home reviews about living comfort. While many reviews praise the comfortable living environment and convenient amenities, individual experiences may vary. Searching reviews online or taking a tour locally is a great way to get a feel for the property.

• 五十嵐
• 2024/09/14 (Sat) 01:58
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Sekisui House or PanaHome would be good.

• マイホーム・レス
• mail
• 2024/09/14 (Sat) 08:07
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An open house would be good.

• pyonta
• mail
• 2024/09/16 (Mon) 07:16
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There is a Japanese carpenter on 10th Ave.

• Ginger
• mail
• 2024/09/19 (Thu) 17:12
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And I don't use Eron Musk's Tesla House Drywall. I think this is the future of housing. It's cheap in price and you can get a Mortgage
at a lower cost ． watch it on you tube.
And you can compare with other companies.
It's worth a look.

• singingfinch
• mail
• 2024/09/20 (Fri) 13:43
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Have you contacted Akimoto Koumanten ？
His personality is interesting, a bit out of the ordinary. But he is very good at what he does.
808-800-7448
akimotokoumutenusa@gmail.com