B4 • Friday, September 9, 2022
THE GARDEN ISLAND
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How to buy a house with bad credit
Step two: Do what you can to raise your score Unless you’re in a rush to buy a home immediately, take some time Buying a home is integral to the to improve your credit score as “American Dream,” but it is inmuch as you can. Five factors decreasingly out of reach for many hard-working adults. termine your score. From most to The property market has been least critical are your payment hishighly competitive over the last tory, outstanding debts, length of year because housing supply has your credit history (how long shrunk dramatically. Now, many you’ve had your cards), types of adults have given up on owning a credit you’ve used, and amount of home and expect they’ll rent for new credit. the rest of their lives. While most of You can sign up for a credit monthe older generations will have itoring service to help you keep their own homes through retiretrack of it all. An app called Smartment, less than half of the largest Credit offers a paid service and is group in the workforce - Millennials one of the more helpful options. MATT ROURKE / ASSOCIATED PRESS FILE - think they’ll have that same luxYou can also use free tools, alury. though they aren’t as in-depth. A “sold” is posted outside a single family home in a residential Despite their pessimism, a comCredit Karma is one example. It can neighborhood, in Glenside, Pa. flag which credit factors are hurtpetitive market doesn’t mean it’s FHA-approved lender. impossible to own a home - even if based on the market thereafter. ing or helping you the most, but it ARMs are better for people with a Now that you know the various you have bad credit. won’t give you detailed tips on how credit score of 600 or higher. That loan options, it’s time to take a look to fix those issues. But what is a bad credit score? difference between 600 and 620 at the steps to getting there. Credit scores are usually based Step three: Talk to a might not seem like much, but it on the FICO scoring system, and Step one: Get your free credit professional different credit bureaus may grade can help someone who needs it. report When market rates are lower, the scores differently. This is how ExThe best person to go to is a Deinterest on your loan will also be The last thing you want is your perian ranks them: partment of Housing and Urban Decredit score to be misreported. Go velopment ( HUD)-approved Poor: 300-579 Fair: 580-669 Good: lower. The drawback, however, is to annualcreditreport.com - you 670-739 Very Good: 740-799 Excep- that if rates are high, you will pay housing counselor. The governcan get a copy of your credit report ment trains these counselors, spetional: 800-850 About a third of con- more too. You’re at the mercy of the economy - you could save for free every year. Review all of sumers have a poor or fair credit cifically the Department of Housing money on the interest rate or lose the information provided. Is your score. If you fall in that category, and Urban Development. Their job some. social security number accurate? don’t give up on homeownership. is to help you find affordable, qualIf you have a score as low as 500, Are your addresses up to date? Some loans cater specifically to ity housing. They’ll get to know you you could qualify for a Federal Which debts and transactions are Americans with low scores . and your situation, so they’ll be Housing Administration (FHA) causing you to lose points? able to find local options that suit Mortgage Options loan. FHA loans will cover about 97 If anything looks inaccurate, your situation. reach out to your lender. It could A traditional mortgage is usually percent of your home’s value , so you’ll need to make at least a 3 per- be something as simple as a paper- Step four: Enroll in a a fixed-rate loan, so the interest rate never changes. Although this cent down payment. And until you work mistake or as serious as iden- homebuyers workshop is the kind of loan people typically pay off 20 percent of your home’s If you can get into a course lotity theft. Work with your lender to think of, it’s only ideal for people value, you’ll have to pay for private get some documents proving the cally, it should be free. You can also with a credit score above 620. mortgage insurance. This covers error, and reach out to the credit do it online at your own pace. HowBy contrast, an adjustable-rate your lender in case you default on reporting agency with the eviever, there will probably be a mortgage (ARM) typically has a set the loan. dence. The Federal Trade Commis- charge for this. Once the course is interest rate for the first three to Since it’s a government-backed sion even offers a sample letter you complete, you’ll get a certificate seven years but then fluctuates program, you’ll have to go to an you can use when you apply for fican use to dispute any errors. Gillian Manning WEALTH OF GEEKS
Long-term mortgage rates now at highest point since 2008 ASSOCIATED PRESS Average long-term U.S. mortgage rates jumped again this week, hitting the highest levels in almost 14 years and pushing even more would-be buyers out of the market. Mortgage buyer Freddie Mac reported Thursday that the 30-year rate jumped to 5.89% from 5.66% last week. That’s the highest the long-term rate has been since November of 2008, just after the housing market collapse set off the Great Recession. One year ago, the rate stood at 2.88%. The average rate on 15-year, fixed-rate mortgages, popular among those looking to refinance their homes, rose to 5.16% from 4.98% last week. That’s the first time the 15-year rate has been above 5% since 2009, as the real estate market went into a yearslong slump. Last year at this time the rate was 2.19%. Rising interest rates — in part a result of the Federal Reserve’s aggressive push to tamp down inflation — have cooled off a housing market that has been hot for years. Many potential home buyers are getting pushed out of the market as the higher rates have added hundreds of dollars to monthly mortgage payments. Sales of existing homes in the U.S. have fallen for six straight months, according to the National Association of Realtors. Mortgage rates don’t necessarily mirror the Fed’s rate increases, but tend to track the yield on the 10-year Treasury note. That’s influenced by a variety of factors, including investors’ expectations for future inflation and global demand for U.S. Treasurys.
nancing. The HUD counselor should be able to help you with this.
Step five: Look for FHA loans As mentioned earlier, Federal Housing Administration (FHA) loans are the best option for someone with poor credit. The loan won’t come directly from the FHA but through an approved, private lender. Your local HUD office should be able to find the best option in your area. Make sure you have enough funds to cover the down payment and the mortgage insurance fee. Step six: Try to get preapproved Like any other mortgage, you can get pre-approved for an FHA loan. Pre-approval can help you save time and narrow your search as you look for a home. Like an approved counselor, this will help you understand what you can and can’t afford so you can look within your price range. Getting pre-approved for a mortgage also makes you a much more attractive buyer to whoever is selling the home. This is an excellent leg-up, especially in a competitive market like we see today. Once approved, don’t spend money on furniture or other big-ticket items. The banks will monitor your activity so be sure to stay on budget. In conclusion Keep three main goals in mind as you move forward in your house-hunting journey: save up for a down payment, track your credit, and work with a professional. Doing this makes it possible to find a mortgage option that works for you despite your low credit score.
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AROL C. CUMMINGS RB-14915 (RB) CRB, CRS, GRI, SFR
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THE GARDEN ISLAND
SOLD
FORKAPAA AS- $730,000 LITTLE AS 3Bed/2BA Interior: 1,296 sq. ft. Lot Size: 12,820 Glen Kojima RS-80593 808-651-5850 Jesse Fukushima RS-71180 808-482-4077 MLS 660495
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LIHUE - $520,000 2Bed / 1Ba Interior size: 704 sq. ft. Ground Floor/Yard MLS661110 Clifton Kukino RB-15364 Shelly Kaui Carvalho (RS)-64829 808-652- 3886
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POIPU-$1,600,00 Poipu Shores 3Bed/2Ba Interior: 1,041 q. ft. ANN ZASLOW (808) 639-3675 MLS 661343
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NOTICE IS HEREBY GIVEN that pursuant to the Provisions of Section 507-43, of the Hawaii Revised Statutes, the construction by Lyons Construction Inc. of that certain Addition to existing residence, situated at 4693 Wailapa Road, Kilauea, HI 96754, TMK: RP 5-1-005-117-0010, has been completed.
Puhi - $699,500 2Bed / 2Ba Interior size: 924 sq. ft. MLS664012 June Araki RS-25303 808-482-1855
PATRICIA AND JOHN GRIFFITH Owner(s) (TGI1386221 9/9, 9/16/22)
IN THE FAMILY COURT OF THE FIFTH CIRCUIT STATE OF HAWAl’I CASE NO. FC-D NO. 19-1-0184 AMENDED NOTICE OF HEARING
Interested participants are requested to contact Mr. Jeff Aguinaldo via email at jeff.j.aguinaldo@hawaii.gov, or by U.S. Postal Service to: Mr. Jeff Aguinaldo, Department of Transportation, 1720 Haleukana Street, Lihue, Hawaii 96766. Please respond by October 10, 2022.
Date:
October 11, 2022
Time:
9:00 a.m. or shortly thereafter
Pursuant to Hawai‘i Revised Statutes Section 92-3.7, which codified Act 220, SLH 2021, the meetings of the County of Kaua‘i Planning Commission will be conducted as follows: The meeting location that will be open to the public with audiovisual connection is: o Lihu‘e Civic Center, Moikeha Building o Meeting Room 2A-2B o 4444 Rice Street, Lihu‘e, Kaua‘i, Hawai‘i In addition to attendance in-person, the public may also attend the meeting through Zoom using link provided on the agenda. o If the Zoom connection or audio/visual connection is lost at the public location identified in the Commission’s public notice and cannot be restored within 30 minutes during the meetings, the Planning Commission will postpone all matters and reconvene at the next scheduled Planning Commission Meeting. Also, the meeting will be available as an archived meeting after completion at www.kauai.gov/Webcast-Meetings. Written testimony indicating your 1) name or pseudonym, and if applicable, your position/title and organization you are representing, and 2) the agenda item that you are providing comment on, may be submitted on any agenda item in writing to planningdepartment@kauai.gov or mailed to the County of Kaua‘i Planning Department, 4444 Rice Street, Suite 473, Lihu‘e, Hawai‘i 96766. Written testimony received by the Planning Department at least 24 hours prior to the meeting will be distributed to all Planning Commissioners prior to the meeting. Any testimony received after this time and up to the start of the meeting will be summarized by the Clerk of the Commission during the meeting and added to the record thereafter. Oral testimony will be taken on specific agenda items, in-person at the public meeting location or via Zoom link as an additional accommodation. o All testifier audio and video will be disabled until it is your turn to testify. o Per the Planning Commission’s and Chairs practice, there is three-minute time limit per testifier, per agenda item. o If there are temporary technical glitches during your turn to testify, we may have to move on to the next person due to time constraints; we appreciate your understanding. IF YOU NEED AN AUXILIARY AID/SERVICE, OTHER ACCOMMODATION DUE TO A DISABILITY, OR AN INTERPRETER FOR NON-ENGLISH SPEAKING PERSONS, PLEASE CONTACT THE OFFICE OF BOARDS & COMMISSIONS AT (808) 241-4917 OR ASEGRETI@KAUAI.GOV AS SOON AS POSSIBLE. REQUESTS MADE AS EARLY AS POSSIBLE WILL ALLOW ADEQUATE TIME TO FULFILL YOUR REQUEST. UPON REQUEST, THIS NOTICE IS AVAILABLE IN ALTERNATE FORMATS SUCH AS LARGE PRINT, BRAILLE, OR ELECTRONIC COPY. (TGI1384642 9/9/22)
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DATE OF HEARING: September 27, 2022 TIME: 8:00 A.M. PLACE OF HEARING: 3970 Ka’ana Street Lihue, Kauai, Hawaii COURTROOM #1 DATED: Lihu’e, Hawai’i, August 22, 2022. Doreena Olivas Brun CLERK OF THE ABOVE-ENTITLED COURT (TGI1384481 8/26, 9/2, 9/9/22)
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We are seeking a quality individual to join our successful team on Kauai to support the distribution of our portfolio of publications including The Garden Island, Kauai Midweek, Honolulu Star-Advertiser, USAT, and other publications. This position is responsible for a variety of tasks and responsibilities within home delivery, single copy and non-daily distribution areas. The job duties can entail but s g n ti ree Seasofronm’syourGfriends at are not limited to: administration of customer service functions to subscribers and distribution OPEN contractors, preparing paper work, distributing daily 378-4446 and non-daily products to independent contractors, eries M –F liv De e Islandwid subscribers, and/or retailers, and product delivery verification. Candidate should have solid computer skills and be very organized. NSIDE
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KAPAA $799,000 3 Bed / 2 Ba Interior Size: 1,056 sq ft. Lot Size: 6,570 sq ft Ashley M. Carvalho RS-73535 808-639-9307 Mark K. Tanaka 808-639-0367 RB-9222 MLS 663900
The public may attend the meeting via Zoom using the “Zoom link” that will be provided on the agenda for the meeting. The Agenda for the meeting will be posted in accordance with HRS 92.
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Hearings
The Garden Island is seeking a
SHIRLEY ANN BIRDWELL Plaintiff/Petitioner, vs. JEFFERY SCOTT BIRDWELL Defendant/Respondent. AMENDED NOTICE OF HEARING
Public Hearings
Conference Technology :
Completion of Contract
SHIRLEY ANN BIRDWELL PO BOX 1869 HANAMAULU KAPAA, HI 96746 $675,000 Interior size: 1,806 sq. ft. (808) 431-4728 Plaintiff/Petitioner, Pro Se Lot size: 6,147 sq. ft.
Kapaa
Pursuant to Section 106 of the NHPA, Native Hawaiian Organizations and Native Hawaiian descendants with ancestral, lineal or cultural ties to, cultural and historical property knowledge of and/or concerns for, and cultural or religious attachment to the proposed project area are requested to contact HDOT. Other individuals and organizations with demonstrated legal, economic or historic preservation interest in the undertaking are asked to contact HDOT and share information you may have on historical and cultural sites that you may have knowledge of within the proposed APE. We welcome any information within 30 days of notice.
Best Samaritan Contractor Rockwall, All brick work, All tree servicing, Foundati on/Footings, and All Landscaping work. Call Samson 346-5404 or 782-6570 Lic. #26959 Best Samaritan Contractor Rockwall, All brick work, All tree servicing, Foundati on/Footings, and All Landscaping work. Call Samson 346-5404 or 782-6570 Lic. #26959 Carpenter looking for maintenance jobs. Free estimates. 3D Construction Call Albert 652-8861. alapaki82@outlook.com
Court Notices Court Notices
MLS634019 Carol Cummings RB-14915 808-651-4766 Coreen S, Sarabia RB-15579 808-822-4004
County right-of-way.
Carpentry
OWNER’S NOTICE OF COMPLETION OF CONTRACT
MERCHAN DISE Public
intersection to alleviate the ingress/egress concerns of the area from publication errors or omissions of an ad. Advertising rate Meeting CivicareCenter, Moikeha Room residents. Sidewalk, curb ramp and orgrading drainage Cancellation/Correction Deadlines: To cancel change and cards available from Building, any salesMeeting executive. Ads2A-2B, are subject Check your ad forimprovements errors the first day it runs in the paper.Lihu‘e Location : 4444 Ricerate Street, Kaua‘i, Hawai‘i an in thebe Garden Island, call us by 4:45pm area on Monday, We are unable to4.63 issueacres credit for errors reported after the to the cardLihu‘e, in effect at the time they are placed. willadalso required. The project is approximately and Tuesday, Wednesday,work and Thursday the following day, first day publication.HDOT While we try to accommodate the proposed will beforconstructed within the ofexisting and Interactive our
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COUNTY OF KAUAI PLANNING COMMISSION – 4444 Rice Street, Suite A473, NOTICE OF CONSULTATION Lihue, Kauai, Hawaii, 96766, tel: (808) 241-4050, email: planningdepartment@kauai.gov . SECTION 106 OF THE NATIONAL HISTORIC NOTICE IS HEREBY GIVEN of an agency hearing with a public hearing and an opportunity for public testimony from all interested persons to be held PRESERVATION ACT OF 1966 AS AMENDED (2006) by the Kaua‘i Planning Commission pursuant to the provisions of Special KUHIO HIGHWAY INTERSECTION IMPROVEMENTS Management Area Rules, Kauai County Code, Chapter 8, as amended, Hawaii AT KOLO ROAD AND KALAMANIA ROAD Revised Statutes (HRS) Chapter 92 and 91, and the Rules of Practice and AHUPUAA OF NAMAHANA, DISTRICT OF KOOLAU, ISLAND OF KAUAI Procedure of the County of Kauai Planning Commission. The hearing will be held FEDERAL-AID PROJECT NUMBER: STP-056-1(065) regarding the following: SPECIAL MANAGEMENT AREA USE PERMIT (SMA(U)-2023-1), CLASS IV TAX MAP KEYS: (4) 5-2-013:999 and (4) 5-2-019:999 ZONING PERMIT (Z-IV-2023-1), and PROJECT DEVELOPMENT USE PERMIT Notice is hereby given that the Federal Highway Administration (FHWA) (PDU-2023-1) to allow an after-the-fact hostel/hotel operation involving a parcel in Kapa’a Town situated approximately 100 feet south of the Kapa’a Neighborhood and State of Hawaii Department of Transportation, Highways Division Center, further identified as 4-1552 Kuhio Highway, Tax Map Key: (4) 4-5-012:013, (HDOT) propose highway improvements. This federally federal funded a total area of approximately 7,500Island square feet.reserve the right to edit, HDOT project is considered a federal action and as defined Deadlines: noon undertaking, on Friday for Sunday and Monday. containing (We are closed advertisers, The Garden does CLASS IV ZONING PERMIT (Z-IV-2023-2) and USE PERMIT (U-2023-2) to Regular, single-column in The Garden IslandPreservation can Saturdays Act and Sundays). refuse, reject, or cancel any ad at any time. All ads areshed, subject by Section 106 ofclassifieds the National Historic (NHPA) of 1966, allow construction of a new aircraft maintenance hangar, storage and be until 4:45pm on Monday, Tuesday, Wednesday, to approval prior tolocated publication. Wemakai are not for losses as placed amended (2006). associated improvements on a parcel along the sideliable of Ahukini Road and Thursday for the following day, noon on Friday for Sunday The Garden Island Real Estate Deadlines: To or expenses resulting fromofpublication omission of place, correct in Lihu’e, situated approximately ½-mile north the Lihu’e errors Airport orterminal, further TheMonday. proposed includes construction a new one-lane and Please callwork your sales executive orthe 246-0325 for or cancel of an Key: ad at3-5-001:008, any time. Alland adsaffecting are subject to approval priorparcel to a Friday real estate/rental single-column ad, as please identified Tax Map a portion of a larger roundabout at the Kuhio highway, Kolo road, and Kalamania road containing 720.974publication. acres. deadlines for larger, multi-column ads. call by noon on Thursday. We are not liable for losses or expenses resulting
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Moloa’a Bay Chocolate
By
Co-sponsored Kaua‘i Community College County of Kauai
I
Kapa‘a,
96746
AY TGIFR!DSTATE REAL E
Floorin GTON WASHIN e U.S. mortgag this week.said percent Mac year fixed-rat to 3.93 Freddie ark 30slipped e buyer Mortgagthat the benchmdown from Rd. y was Ahukini Thursda loan rate and 4.16 perHwy & year home last week of Kuhio e 3.94 percentago. corner fixed-rat refiyear On the cent a on 15-year, those The rate popular with unwas es, mortgag their homes, 3.36 percent. at nancing this week year ago. a changed percent adjust3.37 Kauai It was to 3.36 on five-year Kim Chee/ Miki Macs; es rose Haole Girl Sweets; Kauai The rate Cofee Roasters/ last week Monkeypod Jam; Hanalei mortgag percent Aunty Lilikoi;able-rate Moloa'a Bay Coffee; 3.35Kala 'O ago.Kauai; Mailelanis; Kula from ts. Express; Heavenly Hakus Bakery, Rea year Kookies; Kopercent Wahine; Tropical Flowers Salty Lures; Federal y Paymen percent Water White ay, the Precious Kreations/ and 3.19 m monthl m interest On Wednesd short-ter in 2017. “The l. Minimu raised approva in the serve the third time m priced for to credit rates had already interest i 9am-6p le - Subject Mon-Fr pm market so long-term e rates, g Availab OPEN: Sat 10am-3 mortgag Kiefer, a rate hike, Financin including said Len rates, st. moved,” e hardly Mac economi mortgag average lenders Freddie To calculate Mac surveys Monbetween Freddie rates, week. the country each across Wednesday day and ••• ed Press Associat
2017 9:30am to 2pm Saturday, December 16,Community College
–1pm SATURDAYS 9:30am College Campus
Made ~ Chocolate! Locally Grown ... Locally
hio Hwy. 4-1525 Ku
Save the Date!
Send a cover letter and resume to: 500 Ala Moana Blvd Ste 7-500 Honolulu, HI 96813 or email rstolar@staradvertiser.com
75¢
uai Serving Ka 02 u since 19 and Niiha
E G N A H C F
We are an equal opportunity, affirmative action employer. We recognize and appreciate the benefits of diversity in the workplace. People who share this belief or reflect a diverse background are encouraged to apply. ers Inc. to
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