B4 • Friday, December 2, 2022
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THE GARDEN ISLAND
Got House?
Julie Black, Principal Broker & Owner (808) 652-6174 with daughter Kela Caspillo, Realtor Sales Person (808) 652-6173 kauaidreams.com
Featured 5 myths about Veteran Affairs loans Homes with a VA loan, you may be able to finance multiple homes simultaneously, including your primary home, rental properties and vacation homes.
BRANDPOINT
Koloa
4650 Amio Road Spectacular views from almost every room in this 3 bed/ 3.5 bath Poipu Vacation Rental. An oceanfront home with a large deck, open floor plan, air conditioning, newer septic tank, recent exterior paint, new front entry, and Koa wood kitchen cabinetry. Not part of a HOA or any association, no monthly fees. Owner has plans for an ADU and other additions. MLS # 664027; $5,895,000. Julie Black, RB-14203 (808) 652-6174 or Kela Caspillo, RB-23365 (808) 652-6173
More veterans are taking advantage of an important benefit for service members: A Veterans Affairs (VA) loan. According to data from the Department of Veterans Affairs, more than 1.4 million VA loans were taken out in 2021, a 15.6 percent increase from the previous year. However, there are still many veterans who are not using this important earned benefit for their service and sacrifice for the country. VA home loans allow veterans and active-duty service members to obtain home mortgages with more favorable terms than other loans on the market. A VA loan is a mortgage supported by the U.S. Department of Veteran Affairs and serviced by authorized lenders, like loanDepot, one of the nation’s largest non-bank retail mortgage lenders. Why aren’t more veterans and active-duty service members using this benefit? Many are unaware of how to qualify for a VA loan or its benefits.
3. Myth: VA loans are less preferable to sellers because they have a lot of restrictions A VA loan may take a few days more to close versus a conventional loan, but that doesn’t necessarily make them more restrictive. VA loans have additional controls in place to protect the veteran and their family; e.g., appraisals have to be completed by a VA-approved appraiser, which may increase the processing time of the loan. BRANDPOINT / CONTRIBUTED
w Competitively low-interest rates w No private mortgage insurance w Limited closing costs w Funding fee waived for disabled veterans w Lower credit minimums Eligibility and benefits “A VA home loan is one of the You may be eligible for a VA loan most powerful tools our nation’s veterans can use to purchase a if you are an active duty home and build long-term wealth,” servicemember with at least 90 said Patton Gade, loanDepot days of continuous service, or if branch manager and former U.S. you are a veteran who served on Army officer. “Yet, it surprises me active duty and was honorably just how unknown and discharged meeting minimum requirements based on your dates misunderstood these loans are among the people who have of service. National Guard and earned them. With all of the Reserve members who meet misconceptions out there, it’s certain criteria are also eligible. While there are a number of VA important to work with a mortgage professional who loan options, typical benefits can specializes in VA loans, so you can include: better understand and unlock w No down payment
their full potential.” Even knowing about the advantages of VA loans and that you may be eligible, you may still be unsure about using this earned benefit because of popular misconceptions.
4. Myth: The appraisal process for VA loans is more stringent and difficult than a conventional loan The appraisal process is similar to a conventional loan. The VA approves and hires local appraisal professionals to ensure a smooth process.
1. Myth: A VA loan can only be 5. Myth: VA loans accessed once take forever to close Many veterans are under the impression that you can only access a VA loan once. However, you can use and reuse the VA benefit again and again. There is no limit to how many times you can use the VA loan program as long as you remain eligible. 2. Myth: You can only have one VA loan at a time Sometimes you may have to finance multiple properties at once. Under certain conditions,
Working with a lender that specializes in VA loans and understands how they work can prevent issues that may slow the process. They can help to keep everything moving on time so you can get the home of your dreams with minimal delays. If you’re thinking of taking out a VA loan, be sure to work with a lender who has specific expertise with the product and working with the veteran community, so they are well prepared to help you.
Hawaiiana Management Company, Ltd. Serving Kauai’s Condo & Community Associations with award-winning service
Average long-term mortgage rates dip third week in a row
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ASSOCIATED PRESS WASHINGTON, D.C. — The average long-term U.S. mortgage rate ticked down for the third week in a row and have fallen more than a half-point since hitting a 20-year high less than a month ago. Mortgage buyer Freddie Mac reported Thursday that the average on the benchmark 30-year rate fell to 6.49 percent from 6.58 percent last week. A year ago the average rate was 3.11 percent. The rate for a 15-year mortgage, popular with those refinancing their homes, edged down to 5.76 percent from 5.90 percent last week. It was 2.39 percent one year ago. Mortgage rates are still more than double what they were in early January, mirroring a sharp rise in the yield on the 10-year Treasury note. The yield is influenced by a variety of factors, including global demand for U.S. Treasury notes and investors’ expectations for future inflation, which heighten the prospect of rising interest rates overall. The Federal Reserve, which has been hiking its short-term lending rate since March in a bid to crush the highest inflation in decades, raised its rate again early this month by 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. Markets rallied Wednesday after Fed Chair Jerome Powell signaled that the Fed may increase its key interest rate by just a half-point at its December meeting. Rate increases could then fall to a more traditional quarter-point size at its February and March meetings, based on previous Fed forecasts. Powell said the Fed will likely have to keep rates elevated for longer than originally planned, as inflation has eased somewhat but remains way above the central bank’s 2 percent target.
Sunshine Ruiz Hatto Vice President Kauai Operations
awaiiana currently serves over 60 residential and commercial associations on the Island of Kauai, with a staff of nine management executives, three local support professionals and the property management industry’s most experienced accounting and technical personnel. Kauai native Sunshine Ruiz Hatto serves as Hawaiiana’s Vice President of Kauai 2SHUDWLRQV IURP LWV RIŅFH LQ /LKXHģV .XNXL *URYH ([HFXWLYH &HQWHU +DZDLLDQD 0DQDJHPHQW &RPSDQ\ /WG LV +DZDLLģV FRQGR DQG FRPPXQLW\ DVVRFLDWLRQ management company, with over 750 association clients throughout the state.
Why choose Hawaiiana? • • • •
99% retention rate among clients /RFDO YV PDLQODQG EDQNLQJ All employees are in Hawaii Serving over 60 associations on Kauai
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RICHARD ROBERTS MANAGEMENT EXECUTIVE
Hawaiiana’s Kauai Properties: $OLKL /DQL Alii Kai at Hanalei Alii Kai II $OLRPDQX (VWDWHV Apopo Hale (PPDODQL &RXUW +DODXODQL &RQGRPLQLXP Hale Honu Halelani Village at Puhi Halemalu at Puhi Hanalei Bay Villas +RROXDQD &RQGR DW .RKHD /RD +RRNHQD DW 3XKL Kahala at Poipu Kai Ka‘iulani of Princeville .DNHOD 0DNDL 2FHDQYLHZ Kalaheo Pali Kai Kalihiwai Ridge Kamahana Kauai Beach Resort Kauai Beach Resort Association Kawaihau Sports Villa . * (QWHUSULVHV &RQGRPLQLXP Kiahuna Plantation AOBO .RKHD /RD 0DVWHU Association .RORD *DUGHQ $SDUWPHQWV Kuhio Shores at Poipu .XNXLĢXOD /DH 1DQL 0DNDQXL Manualoha Marriott’s Kauai Resort and %HDFK &OXE $2$2
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For more information about Hawaiiana’s awardwinning services, contact Sunshine Hatto at (808) 792-0515 or sunshine@hmcmgt.com.
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THE GARDEN ISLAND
Friday, December 02, 2022 Page 5
246-0325
KAUAI’S
real estate directory PLACE YOUR AD today 246-0325
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WAILUA
Land Area: 10,951 sq. ft. Bedrooms/Baths: 2/2 List Price: $788,000 MLS 666138 Designed and built by owner – craftsman.
AROL C. CUMMINGS RB-14915 (RB) CRB, CRS, GRI, SFR
808-651-4766
kauairealty@gmail.com
IN ESCROW!
In Escrow!
WAILUA
Land Area: 15,011 sf Living Area: 1,377 sf Bed/Bath: 3/2 MLS 666755 Price: $819,000
Larry Fudge RB-18519 808-635-1111
Flexible floorplan makes this a “must-see”!
Kauai Beach Resort #1118 $220,000 MLS #666211
AROL C. CUMMINGS RB-14915 (RB) CRB, CRS, GRI, SFR
We specialize in Residential Sales and Investment / Resort Condominium Properties. AND, we love working with Local Buyers looking for their new home!!!
808-651-4766
kauairealty@gmail.com
808-822-3100 | www.kauailandmark.com
Building communities of Aloha where everyone has equal opportunities
Certified Inspector Joseph Quentin
We make your next home inspection a breeze
www.quentinllc.com (808) 855-5280
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PRATT & LAMBERT PAINTS
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Custom Color Matching • ProLuxe Wood Finishes • Purdy Brushes • Graco Sprayers Home Owner • Maintenance • Commercial • Industrial
Easterseals Hawaii has been serving special needs children, youth and adults for over 70 years. We provide more than 200,000 hours of direct service annually to individuals and families across the state. All funds raised by Easterseals Hawaii remain in Hawaii and help us carry on our tradition of creating solutions and changing lives. You can empower people with disabilities to achieve their goals by making a donation today. www.eastersealshawaii.org
(808) 246-8828 Across From Kauai Community College
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Diane A. Pavao RS-58020 808-651-3557
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Home Equity Line of Credit For 1.99% 0ăĖ ĦÙÄ ŌĖĝĦ Ś UăúĦÙĝ *APR
1ÄĦ § 7ăùÄ "ĕĬÝĦŁ MÝúÄ ăÒ ĖĽÝĦ Ʀ7"M_ Ƨ Ýú ĦÙÄ ùăúĦÙ ăÒ VăĺÄù¶ÄĖ §ú½ ÓÄĦ § ēĖăùă Ė§ĦÄ ăÒ ŕƚŝŝǖ or ÒăĖ ĦÙÄ ŌĖĝĦ ĝÝŀ ùăúĦÙĝƚ yĦ§ú½§Ė½ Ė§ĦÄĝ §ēēòŁ ĦÙÄĖħÒĦÄĖƚ ēēòŁ úăĻ _úòÝúÄ §Ħ ĻĻĻƚï§Ĭ§Ý·ĖĽÝĦĬúÝăúƚăĖÓ 0ĽÄĖ§òòŁ ÝúĝĬĖĽ ¶Ł V ƚ
You must pay certain fees to open the plan. These fees generally total between $2000.00 and $3200. There is no annual fee or prepayment penalty. The maximum APR is 18%, which is ceiling, minimum APR is 3%. Initial withdraw is minimum $5k. Kauai FCU membership required and there is a $1.00 membership fee and minimum deposit of $25.00 to keep the account open. You must carry insurance on the property securing the plan. If the property is located in a Special Flood Hazard area we will require you to obtain flood insurance. After the Initial Fixed Term, the annual percentage rate will be based on the value of an index plus a margin. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The annual percentage rate may vary on a quarterly basis with a maximum of 18.00% or the maximum permitted by law, whichever is less.
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Lihue
Wailua
LIHUE
IN ESCROW
SALES Account Executive
Appliances Recycled Appliances Washers, Dryers, Stoves & Refrigerators $250+ 6 months warranty. Tashi 808-652-0551
Garage & Lanai Sales
$1,350,000 4 BED/2.01 BATH 2,454 sqft Interior 14,631 sqft Land Mark Tanaka RB-9222 808-639-0367 Ashley Carvalho 808-639-9307 MLS 664881
WAILUA $895,000 3 BED/2.01 BATH 1,500 sqft Interior 16,109 sqft Land Leah Ragsac R(S) RS-80621 808-212-4086 MLS 665192
Omao
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LIHUE MOVING SALE DEC. 2, 3, & 4 9 a.m. - 2 p.m. 3301 Eono St. (Next to Lihue Neighborhood Center) Furniture, kitchen ware, clothes, jewelry, framed art & appliances/ electronics
$275,000 LH 1 BED/1 BATH 554 sqft Interior Shelly Kaui Carvalho 808-652-3886 MLS 666089
Lihue
OMAO
Apartments TOYOTA ’16 Toyota 4Runner 56k mi., very clean, $30,000 call 808-639-6424
Hanapepe HANAPEPE
LIHUE - $1,749,000 3 BED/3 BATH 2,803 sqft Interior 10,319 sqft Land Lauren Yama RS-84751 808-346-4204 Eric Yama 808-639-3414 MLS 664704
PRICE REDUCED $4,000,000 Vacant Land Lot Size: 7.46 acre(s) Tom H Shigemoto RS-53693 808-651-5273 Mark K. Tanaka RB-9222 808-639-0367 MLS 663481
We are looking for the right candidate to call on new and current customers and market our numerous advertising solutions to grow our customer’s business. This person will prospect new business and grow the current account base. Comfort with cold-calling is a must. He/she will be able to represent numerous newspapers, magazines, website and digital products, be able to match those products to the customer’s needs and make sales presentations to key decision makers. A high school diploma is required. A Bachelor’s degree in marketing or business is preferred. An aptitude for understanding statistical information and basic computer skills are necessary. He/she also must possess excellent verbal and written communication skills and be able to successfully multi-task. If you want a career with a fast paced, top media company with excellent pay and benefits, we want to hear from you. Our full-time employees enjoy a generous benefit package that includes: Medical, Dental, Company-Matched 401K as well as sick leave and paid vacation.
For Rent
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Poipu Studio Part furn, utilities incl. No P.H.D.S, single occ. Walk to beach. $1,200. plus some dep. Call 808.652.1568
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$1,495,000 3 BED/3 BATH 3,200 sqft Interior 18,684 sqft Land Carol C. Cummings RB-14915 808-651-4766 Shelly Kaui-Carvalho RS-64829 808-652-3886 MLS 665879
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Kapaa
Pets BEAUTIFUL AKC Doberman Pups for sale! Vet checked male & females $3,000. 808-430-0599 HOLIDAY SPECIAL. AKC Purebred Shih Tzus Avail. Now.2 Males.1 Tri. $3,000 for inq. 808-651-1030 UKC Reg American Pitbull Terrier Pups Red Nose Reds Shots & Dewormed. Call For Info (808)554-1150
BUSINESS
KAPAA - $650,000 2 BED/1 BATH 560 sqft Interior 17,829 sqft Land Clifton Kukino 808-639-1490 Jordan Kukino 808-634-5032 Kaylin Kukino 808-635-2822 MLS 663205
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Carpentry Housesitting Carpenter looking for maintenance jobs. Free estimates. 3D Construction Call Albert 652-8861. alapaki82@outlook.com
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El Teacher ~ ’Olelo learner Corey seeks N/E side house sit. Minimum one month (MAR-APR), to Serve in na kula Kaua’i (HiDoe credentialed), and ’olelo study. Mature, handy homeowner, non-smoker, responsible. Retired CA public schools, former O’ahu resident. 10 recent years visiting/ volunteering/working on Kaua’i. Local references. Chores, gardens, pets malama AOK. Email contact: worldone1@earthlink.net.
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8-4446 M –F 37 eliveries Kapa‘a, 96746 D e id w y. Island 25 Kuhio Hw 4-15
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