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THE GARDEN ISLAND
HOUSING OUTLOOK FOR 2025
Friday, December 27, 2024 • B3
Stubborn mortgage rates, rebounding sales, and flat prices in most places
6%. She expects mortgage rates will fall enough to keep affordability level for buyers. Homeowners have built a reHome sales across the country should rebound in 2025 after two cord $5 trillion in home equity sluggish years. But buyers since the onset of COVID-19 and shouldn’t count on 30-year mortdelinquencies are near record lows. About four in 10 homeowngage rates dipping much below 6%. And homeowners in many ers have no mortgage and many parts of the country will be lucky of those who do are sitting on to capture price gains above 2% very low rates. Although that next year, according to the Na“lock-in” effect is waning as time passes, it is keeping many people tional Association of Realtors. in place. Realtor.com, however, has Tyrone Adams, president and named Colorado Springs, ColoCEO of the Colorado Association rado, as its top market for 2025 of Realtors, said as long as interand places Denver in the 20th spot, based on an above-average est rates remain where they are, rebound in the number of sales it will be hard to motivate owners and price gains after two flat with mortgage rates below 5% to years. A lot of what happens, sell. however, will depend on borrow“You will have to find a way to incentivize them to move,” he ing costs. said. For most owners, the slug“Mortgage rates may not move all that much unless somehow gish resale market hasn’t created we can address the national debt a hardship. in the longer term perspective,” By contrast, a quiet crisis consaid Lawrence Yun, NAR chief tinues among potential buyers. REG LOVETT / THE PALM BEACH POST / USA TODAY NETWORK economist during the group’s Renters are buying their first Real Estate Forecast Summit on homes much later in life, at age Sale pending at a home for sale in West Palm Beach, Fla., on Thursday, June 30, 2022. Dec. 12. “As long as this debt sit38, assuming they have a high back into the market and there enough income to make a puryear-to-date through November uation hangs around, I think the cuts next year. mortgage rate new normal will “While short-term rates will be are a lot more homes listed than than in the same period in 2021, chase, said Jessica Lautz, deputy probably be around 6%.” coming down, we don’t see long- has been the case in the past few and 10,000 fewer than in 2022. chief economist at the NAR. Firstyears. Yun predicts the median Nationally, home sales rose in In 2016, when President Donald term rates moving much,” said time buyers, who historically acOctober year-over-year, a longTrump started his first term, the Mike Fratantoni, chief economist home price in the U.S. will rise counted for four in 10 home U.S. debt stood at $20 trillion, with the Mortgage Bankers Asso- 2% next year and 2% in 2026. But awaited turn in the market. Yun sales, now account for just under even those modest gains won’t forecasts existing home sales na- one in four. Yun said. It has now surpassed ciation on a call with Yun and improve affordability if mortgage tionally could rise between 7% to $35 trillion as he starts his secThe rate of rental households other housing economists. “We rates remain stuck. is growing at three times the 12% next year, and then another ond term and is up five-fold since think long-term rates will stay Yun said the housing market pace of owning households, acwhere they are today.” 10% to 15% in 2026. New home 2000. With public debt so high, has endured a “couple of difficult sales should rise 11% next year He expects 30-year mortgage there is less private capital to incording to Redfin. For a variety of and then 8% in 2026, he said. reasons, fewer Americans are revest in mortgages, keeping rates rates will end next year at around years in transaction activity.” 6.5%, a major disappointment for From July 2021 through SeptemDanielle Hale, chief economist locating, choosing to settle down elevated. with Realtor.com, expects much The Federal Reserve has made would-be buyers looking to get a ber 2024, existing home sales rather than moving to advance three cuts to its key interest rate break when it comes to what their prospects, which contribmoved lower on a year-over-year weaker growth in home sales benchmark since September. Last they can afford. basis each month. In metro Den- than Yun — only 1.5%. And she is utes to a less dynamic housing Lower mortgage rates would week, the Fed’s policymakers inver and surrounding areas, about calling for much stronger gains in market, not to mention society, permit more first-time buyers median home prices nationally, Yun said. 20,000 fewer homes were sold dicated they would make fewer Aldo Svaldi THE DENVER POST
U.S. accuses Rocket Homes of illegal kickbacks in mortgage scheme REUTERS The top U.S. watchdog agency for consumer finance on Monday accused Rocket Homes, a unit of Rocket Companies, and The Jason Mitchell Group of real estate brokerages of an illegal kickback scheme to steer mortgage applications back to Rocket. According to the Consumer Financial Protection Bureau, Rocket Homes, one of the largest mortgage lenders in the United States, plied the real estate brokerages with referrals and other inducements so that the brokers and agents would steer real estate settlement business back to a Rocket affiliate. Jason Mitchell allegedly offered “dog bone” awards of $250 gift cards to agents making the most referrals back to favored partners, including Rocket affiliates Amrock and Rocket Mortgage, according to the CFPB. “Rocket engaged in a kickback scheme that discouraged home-buyers from comparison shopping and getting the best deal,” CFPB Director Rohit Chopra said in a statement. “At a time when homeownership feels out of reach for so many, companies should not illegally block competition in ways that drive up the cost of housing.” Representatives for Rocket Companies and The Jason Mitchell Group did not immediately respond to requests for comment. Monday’s announcement marked the third major action by the CFPB since Friday, following lawsuits against Walmart as well as JPMorgan Chase, Bank of America, and Wells Fargo over those banks’ alleged mishandling of fraud on peer-to-peer payments.
Page 4 Friday, December 27, 2024
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DECEMBER
15, 2017
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John Steinhorst ISLAND THE GARDEN
Season’s
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from
• (808) 245-6791
ter.com KukuiGroveCen
Public Notice Public Notice Public Notice Public Notice Public Notice NOTICE OF FINDING OF NO SIGNFICANT IMPACT
Consultation – Section 106 of The National Historic Preservation Act – Kekaha, Kaua‘i
December 27, 2024 Notice is hereby given that the County of Kaua‘i seeks to utilize federal funding administered by the United States Environmental Protection Agency EPA Brownfields Program to conduct a Phase II Environmental Site Assessment (ESA) project at the This notice shall satisfy procedural requirements for activities to be Kekaha Sugar Mill Lot B, Waimea Ahupua‘a, Waimea District, Kaua‘i, TMK: (4) 1-3-007:104. undertaken by Kauai County Housing Agency. Kauai County Housing Agency 4444 Rice Street, Suite 330 Lihue, Hawaii 96766
The Kauai County Housing Agency is utilizing Emergency Rental Assistance 2 funds under Pub. L. No. 117-2 dated March 11, 2021 under the American Rescue Plan Act (hereinafter “ARPA ERA 2) and, pursuant to APRA ERA 2 FAQ 46, as amended, to undertake a project known as the Kealaula Supportive Housing Project – Phase II for the purpose of constructing a supportive housing project for residents experiencing homelessness or who are at imminent risk of homelessness. The estimated ARPA ERA 2 funding is $4,005,000 and the total estimated project cost is $4,505,000. The proposed project is located at 4398 Pua Loke Street, Lihue, Hawaii 96766 and identified as TMK (4) 3-8-005-002. FINDING OF NO SIGNIFICANT IMPACT The Kauai County Housing Agency has determined that the project will have no significant impact on the human environment. Therefore, an Environmental Impact Statement under the National Environmental Policy Act of 1969 (NEPA) is not required. Additional project information is contained in the Environmental Review Record (ERR) on file at the Kauai County Housing Agency 4444 Rice Street, Suite 330, Lihue, Hawaii 96766 and may be examined or copied weekdays 8 A.M to 4 P.M or online at www.kauai.gov/housing .
The proposed project will involve surface and nearsurface soil sampling throughout the approximately 10-acre Area of Potential Effects, which is the former Kekaha Sugar Mill Lot B, bounded by Kekaha Road to the north, residential subdivisions to the east and south, and the former Kekaha Sugar Mill Lot A, which contains nearly all former mill buildings including the iconic smokestack to the west. Project ground disturbance will include soil sampling (directpush borings and limited hand auger borings). Each direct-push boring will measure 2-inches (5.1 centimeters) in diameter with maximum depth of 4.5 feet (1.37 meters). Each hand auger boring will measure 2-inches (5.1 centimeters) in diameter with maximum depth of 6 inches (15 centimeters). Redevelopment of the parcel is not part of the federal undertaking. Any planned redevelopment of the parcel will involve a separate, additional consultation and historic preservation review as required by federal or state law.
PUBLIC COMMENTS Any individual, group, or agency may submit written comments on the ERR to the Kauai County Housing Agency, 4444 Rice Street, Suite 330, Lihue, Hawaii 96766, Attention: Steve Franco or by email at sfranco@kauai.gov. All comments received by January 11, 2025, will be considered by the Kauai County Housing Agency. ENVIRONMENTAL CERTIFICATION
Pursuant to Section 106 of the National Historic Preservation Act, 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 County of Kaua’i. Other individuals and organizations with demonstrated legal, economic, or historic preservation interest in the undertaking are asked to contact County of Kaua’i and share information you may have on historical and cultural sites.
The Kauai County Housing Agency certifies that Derek S.K.Kawakami in his capacity as Mayor consents to accept the jurisdiction of the Federal Courts if an action is brought to enforce responsibilities in relation to the environmental review process and that these responsibilities have been satisfied. ARPA ERA 2’s approval of the certification satisfies its responsibilities under NEPA and related laws and Interested participants are requested to respond by authorities and allows the Kauai County Housing Agency to use Program funds. January 30, 2025 and can contact Ana Española via email at aespanola@kauai.gov . Written comments Derek S.K Kawakami, Mayor also may be sent directly to Daniel Moher via email County of Kauai at Moher.Daniel@epa.gov or by U.S. Postal Service to (TGI1478543 12/27/24) U.S. Environmental Protection Agency - Region 9, NOTICE OF PUBLICATION AND NOTICE OF PUBLIC HEARING 75 Hawthorne Street (LND-2-1), San Francisco, CA Notice is hereby given that the Kaua‘i County Council will hold a public 94105. hearing on Wednesday, January 16, 2025, at 8:30 a.m., or soon thereafter, at the (TGI1478930 12/27, 12/30/24) Council Chambers, 4396 Rice Street, Room 201, Historic County Building, Lihu‘e, on the following: Bill No. 2940 A BILL FOR AN ORDINANCE AMENDING CHAPTER 5A, KAUA‘I COUNTY CODE 1987, AS AMENDED, RELATING TO REAL PROPERTY TAX (Settlement and Compromise Powers) This Bill proposes to amend Chapter 5A, Kaua‘i County Code 1987, as amended, relating to Real Property Tax, by providing for the Director of Finance’s settlement and compromise powers under Chapter 5A in a single section, and by clarifying that the authority of the Director to compromise disputes pertaining to waiving, whether partially or fully, disputes concerning the amount of taxes owed where no appeal has been filed, and clarifying that the Director may settle, without Council approval, real property tax appeals. Additionally, if a Home Exemption is disallowed pursuant to Section 5A-11.1(e), the tax classification (whether OwnerOccupied or Owner-Occupied Mixed-Use) shall be reclassified and reassessed, and taxes for those years shall be recalculated without the exemption, and the assessment cap reset, at the same time the exemption is disallowed. Where the disallowance of the Home Exemption is made for up to three (3) years (current plus two (2) prior) as allowed under Section 5A-11.1(e), a taxpayer who unduly benefited from the three percent (3%) assessment cap, shall have the assessment reset to the actual market value in those affected tax years. Any person may testify at the public hearing, and at any Council and Committee Meeting (at which time any Bill may be amended). Meeting notices and full-text Bills are available at least six (6) days in advance at the Office of the County Clerk, Council Services Division and kauai.gov/Government/Council/Webcast-Meetings. Written testimony may be submitted via counciltestimony@kauai.gov, mail, or fax. For further information, please call (808) 241-4188.
Notices to Creditors
UPON REQUEST, THIS NOTICE IS AVAILABLE IN ALTERNATE FORMATS SUCH AS LARGE PRINT, BRAILLE, OR ELECTRONIC COPY. (TGI1478709 12/27/24)
Across From Kauai Community College 4490 Puhi Road, Lihue
Larry Fudge RB-18519
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FIFTH CIRCUIT COURT NOTICE AND NOTICE TO CREDITORS P. NO. 5CLP-24-0000121 ESTATE OF GERALD RAYMOND CHUDY (AKA GERALD R. CHUDY), Deceased FILED, Petition of DENISE MORRISSEY, alleging intestacy of said decedent, and asking that DENISE MORRISSEY whose address is c/o MICHAEL D. SCARBO/M. NATSUMI NISHIMOTO, P.O. BOX 2800 HONOLULU, HAWAI‘I 96803-2800 to be appointed Personal Representative of said estate. January 14, 2025, at 1:00 p.m., before the presiding Judge in Probate at 3970 Ka‘ana Street, Lihu‘e, Hawai‘i, 96766, is the appointed date, time and place for hearing said petition and all interested persons. All creditors of the above-named estate are hereby notified to present their claims with proper vouchers or duly authenticated copies thereof, even if the claim is secured by a mortgage upon real estate, to said nominee at the address shown above within four months from the date of the first publication of this notice or they will be forever barred. DATED: Lihu‘e, Hawai‘i, December 12, 2024. Jondi Dotario CLERK OF THE ABOVE-ENTITLED COURT
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Notices to Creditors
CERTIFICATE OF THE COUNTY CLERK I hereby certify that the Kaua‘i County Council passed on first reading and ordered to print Bill No. 2940 during the December 18, 2024 Council Meeting, by Attorney for Petitioner: MICHAEL D. SCARBO, ESQ. M. NATSUMI NISHIMOTO the following vote: P.O. BOX 2800 HONOLULU, HAWAI‘I 96803-2800 AYES: Bulosan, Carvalho, Holland, Kaneshiro, Kuali‘i, Rapozo TOTAL – 6, NOES: Cowden TOTAL – 1, (TGI1478146 12/20, 12/27/24) EXCUSED & NOT VOTING: None TOTAL – 0, RECUSED & NOT VOTING: None TOTAL – 0. Lihu‘e, Hawai‘i /s/ Jade K. Fountain-Tanigawa December 20, 2024 County Clerk, County of Kaua‘i NOTE: 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 THE COUNTY CLERK, COUNCIL SERVICES DIVISION AT (808) 241-4188 OR COKCOUNCIL@KAUAI.GOV AS SOON AS POSSIBLE. REQUESTS MADE AS EARLY AS POSSIBLE WILL ALLOW ADEQUATE TIME TO FULFILL YOUR REQUEST.
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Bed/bath: 2/2 Living Area: 991 sf + 119 sf screened lanais Price: $598,000 MLS# 716521 Upgraded and priced to move!
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