111122 Real Estate Directory by The Garden Island Newspaper

B4 • Friday, November 11, 2022

THE GARDEN ISLAND

TIPS FOR HOMEBUYERS BRANDPOINT

For generations, homeownership has been synonymous with the idea of achieving the American Dream. This has certainly been true for many Hispanic Americans, who have used their homes to establish roots in their communities for their families. More than 8.8 million Latino families now own homes across the U.S., according to a recent report from the National Association of Hispanic Real Estate Professionals. The Latino homeownership rate is now more than 48 percent, a number that has been on the rise for the last several years. Homebuying experts say that many more Latinos are interested in buying homes but have pushed off the decision because they’re unsure if they can afford it or because they would like more education about the process. AmeriSave Mortgage Corp., one of the nation’s fastest-growing home loan providers, offers the following five tips for first-time homebuyers. w Understand what your legal residency status enables you to do. You’re not required to be a U.S. citizen to qualify for a home loan. Anyone with permanent status — including certain nonU.S. citizen buyers — is eligible for a home loan. The

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5 tips for getting ready to buy your first home

Any funds you use for this purpose must be in a bank account for at least 60 days prior to underwriting, so make sure you deposit any cash that you receive from working side jobs, from gifts, etc., before starting the mortgage process. Many cities and counties across the U.S. also offer down payment assistance programs, which are intended to help first-time homeowners. Research these programs online as a first step. w Do your research and partner with a qualified and experienced loan originator. Purchasing a home is the biggest financial decision most people will ever make, so it’s important to have trust in and be comfortable with your mortgage lender. You can verify your lender is authorized to do business in your state through the free Nationwide Multistate Licensing System Consumer AccessSM page. If English is not your preferred lanBRANDPOINT / CONTRIBUTED guage, many mortgage lenders, including AmeriSave A qualified, experienced lender can make buying a home much simpler and less stressful. Mortgage, have Spancash tips, talk with your em- ish-speaking loan best resource to determine comes and lower credit come. Any income you rewhat you can do is the com- scores. Online calculators port to a lender must be ployer about ensuring those originators who can guide you through the entire proverifiable taxable income. tips are appropriately reprehensive guide published can provide a general estiCash income is not considby Fannie Mae. mate of how much home flected on your W2. cess and provide forms you w Calculate what you can you can afford and help you ered part of your earnings, w Don’t forget about the can complete in Spanish. afford. The amount you can estimate your potential The prospect of buying a so if you’re being paid by an down payment. Regardless borrow is determined primonthly mortgage payof how much you plan to home can be daunting. But employer in cash, you borrow, you’ll need to set a qualified, experienced should ask to be paid via marily by your monthly inment. Not sure of your credit score? You can use a their payroll system, either aside funds for a down pay- lender can make the procome and credit score. service like Experian, Equi- in the form of a physical Typically, people with ment and closing costs. cess much simpler and less check or direct deposit. higher incomes and credit Most lenders require 3 perstressful. For more informafax or TransUnion to learn Similarly, if a large portion scores can borrow more where you stand. cent to 5 percent of the total tion, visit www.AmeriSave. of your income comes from purchase price, at minimum. com. than those with lower inw Report verifiable in-

Average long-term mortgage rate back above 7% this week ASSOCIATED PRESS WASHINGTON, D.C. — The average long-term U.S. mortgage rate returned to the 20-year highs of two weeks ago when rates breached 7 percent for the first time since 2002. Mortgage buyer Freddie Mac reported Thursday that the average on the key 30-year rate rose to 7.08 percent from 6.95 percent last week. A year ago, the average rate was 2.98 percent. The rate for a 15-year mortgage, popular with those refinancing their homes, climbed to 6.38 percent from 6.29 percent last week. It was 2.27 percent one year ago. Last week, the Federal Reserve raised its short-term lending rate by another 0.75 percentage points, three times its usual margin, for a fourth time this year. Its key rate now stands in a range of 3.75 percent to 4 percent. More increases are likely coming, though there is some hope that the Fed will dial them down as more evidence comes in that prices have peaked. The Labor Department reported Thursday that consumer inflation reached 7.7 percent in October from a year earlier, the smallest year-over-year rise since January. Excluding volatile food and energy prices, “core” inflation rose 6.3 percent in the past 12 months. The numbers were all lower than economists had expected. Thursday’s report raised the possibility the Fed could decide to slow its rate hike, a prospect that sent stock prices jumping as soon as the data was released.

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Friday, November 11, 2022 Page 5

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Deadlines: noon on Friday for Sunday and Monday. (We are closed Regular, single-column classifieds in The Garden Island can Saturdays and Sundays). Business Hours Call Center be placed until 4:45pm on Monday, Tuesday, Wednesday, Monday–Friday; 7:30 a.m.–5:30 p.m. and Thursday for the following day, noon on Friday for Sunday The Garden Island Real Estate Deadlines: To place, correct Deadlines: advertisers, The or Garden Island does the right to edit, noon on Friday for SundayandandMonday. Monday.Please (We are callclosed your sales executive 246-0325 for reserve or cancel a Friday real estate/rental single-column ad, please Regular, single-column classifieds in The Garden Island can Saturdays and Sundays). deadlines for larger, multi-column refuse, All ads areonsubject ads.reject, or cancel any ad at any time. call by noon Thursday.

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to approval prior to publication. We are not liable for losses Cancellation/Correction Deadlines: To resulting cancel or ad foroferrors the first day it runs in the paper. or expenses fromchange publicationCheck errors your or omission The Garden Island Real Estate Deadlines: To place, correct an ad insingle-column the Gardenad,Island, 4:45pm on ads Monday, Wetoare unable or cancel a Friday real estate/rental please call an us ad by at any time. All are subject approval priorto toissue credit for errors reported after the for We theare following day, day of publication. While we try to accommodate our deadlines for larger, multi-column ads. publication. not liable for lossesfirst or expenses resulting call by noon on Thursday. Tuesday, Wednesday, and Thursday from publication errors or omissions of an ad. Advertising rate Cancellation/Correction Deadlines: To cancel or change Check your ad for errors the first day it runs in the paper. cards are available from any sales executive. Ads are subject an ad in the Garden Island, call us by 4:45pm on Monday, We are unable to issue credit for errors reported after the to the rate card in effect at the time they are placed. Tuesday, Wednesday, and Thursday for the following day, first day of publication. While we try to accommodate our

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OMAO - $780,000 3 BED/2 BATH 1,531 sqft Interior 8,059 sqft Land Melinda B. Yomen 808-482-0452 MLS 655642

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advertisers, The Garden Island does reserve the right to edit, refuse, reject, or cancel any ad at any time. All ads are subject to approval prior to publication. We are not liable for losses or expenses resulting from publication errors or omission of an ad at any time. All ads are subject to approval prior to publication. We are not liable for losses or expenses resulting from publication errors or omissions of an ad. Advertising rate cards are available from any sales executive. Ads are subject to the rate card in effect at the time they are placed.

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Notices to State/City & State/City & Creditors County Jobs County Jobs

FIFTH CIRCUIT COURT NOTICE OF PROBATE AND NOTICE TO CREDITORS P. No. 5CLP-22-0000104 Estate of RONALD JOHN WOLSFELD, Deceased. FILED, Petition of Probate of Will and Appointment of Personal Representative, showing property within the jurisdiction of this Court and asking that JOHN D. WOLSFELD, whose address is c/o Michael D. Scarbo, 4442 Hardy St., Ste. 201, Lihue, HI 96766 be appointed Personal Representative of said estate.

REQUEST FOR PUBLIC COMMENTS FOR APPLICANTS FOR ASSOCIATE JUDGE, INTERMEDIATE COURT OF APPEALS In accordance with the Judicial Selection Commission Rule 5, Section 2: Confidentiality A. as further amended and effective March 16, 2022, the Judicial Selection Commission announces the applicants applying for the judicial office of Associate Judge in the Intermediate Court of Appeals.

The list of applicants applying to fill the vacancy for the That Tuesday, November 22, 2022 at 1:00 p.m. judicial office of Associate Judge in the Intermediate before the presiding Judge in Probate at who shall be Court of Appeals is listed as follows in alphabetical sitting in probate in his/her courtroom at 3970 order: Ka‘ana Street, Lihu‘e, Hawai‘i, 96766 be the appointed date, time and place for hearing said Catherine P. Awakuni Colon petition and all interested persons. Lance D. Collins Rebecca A. Copeland All creditors of the above-named estate are hereby David M. Forman notified to present their claims with proper vouchers or Kimberly Tsumoto Guidry duly authenticated copies thereof, even if the claim is Deirdre Marie-Iha secured by a mortgage upon real estate, to said Taryn R. Tomasa (Gifford) nominee at the address shown above within four Steven K. Uejio months from the date of the first publication of this * One (1) applicant withdrew and is not listed. notice or they will be forever barred. The Commission invites interested persons to submit Dated: Lihue, Hawaii, October 31, 2022. written comments on the applicants applying for the judicial office of Associate Judge in the Intermediate Doreena Olivas Brun Court of Appeals. Clerk of the Above-Entitled Court Please visit the Commission’s website below to view Michael D. Scarbo some of the qualities the Commission gives 4442 Hardy St., Ste. 201 consideration to under Judicial Selection Commission Lihue, HI 96766 Rule 10. Attorney for Personal Representative (TGI1392900 11/4, 11/11, 11/18/22) Please include your signature, printed name, phone number and email address in your comments. All written comments will be kept CONFIDENTIAL. Written comments must be postmarked or faxed no later than December 5, 2022 to:

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Larry Fudge RB-18519 808-635-1111

Diane A. Pavao RS-58020 808-651-3557

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Monday–Friday; 7:30 a.m.–5:30 p.m. and Thursday for the following day, noon on Friday for Sunday The Garden Island Real Estate Deadlines: To place, correct Deadlines: noon on Friday for Sunday and Monday.Please (We are advertisers, The or Garden Island does the right to edit, and Monday. callclosed your sales executive 246-0325 for reserve or cancel a Friday real estate/rental single-column ad, please Regular, single-column classifieds in The Garden Island can Saturdays and Sundays). deadlines for larger, multi-column refuse, reject, or cancel any ad at any time. All ads areon subject ads. call by noon Thursday. be placed until 4:45pm on Monday, Tuesday, Wednesday, to approval prior to publication. We are not liable for losses Cancellation/Correction Deadlines: To resulting cancel or change Check ad foroferrors the first day it runs in the paper. and Thursday for the following day, noon on Friday for Sunday The Garden Island Real Estate Deadlines: To place, correct or expenses from publication errors your or omission an ad in the Gardenad, Island, 4:45pm on ads Monday, Wetoare unable to to issue credit for errors reported after the and Monday. Please call your sales executive or 246-0325 for or cancel a Friday real estate/rental single-column please call an us ad by at any time. All are subject approval prior for We theare following day, first day of publication. While we try to accommodate our deadlines for larger, multi-column ads. call by noon on Thursday. Tuesday, Wednesday, and Thursday publication. not liable for losses or expenses resulting from publication errors or omissions of an ad. Advertising rate Cancellation/Correction Deadlines: To cancel or change Check your ad for errors the first day it runs in the paper. cards are available from any sales executive. Ads are subject an ad in the Garden Island, call us by 4:45pm on Monday, We are unable to issue credit for errors reported after the to the rate card in effect at the time they are placed. Tuesday, Wednesday, and Thursday for the following day, first day of publication. While we try to accommodate our

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Commission Chair Nadine Y. Ando, Esq. Judicial Selection Commission State of Hawai‘i 417 South King Street Honolulu, Hawai‘i, 96813 FAX: (808) 538-5205 Website: http://www.courts.state.hi.us/courts/judicial_ selection_commission (TGI1393043 11/6, 11/7, 11/8, 11/9, 11/10, 11/11, 11/13/22)

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