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Lance Owens's Answers


Can my husband and I purchase a home at a decent rate with a 565 credit score?
The "key" to your queston was "decent rate" and the answer would be none that I am aware of. You would serve yourself much better by repairing your credit first. Get with a good local agent, and set up some goals. You maybe working on a part of your score, that means very little, and it...
MY UNCLE HOME IS FORCLOSING.I DONT KNOW WERE TO LOOK FOR HELP FOR HIM,HE LIVE HERE IN MAUI.
Aloha Henrietta I have an agent I work with on Maui, just let me know if you are still looking and send me your contact information. I am here in Kona, but have working with this agent several times before.Aloha and Mahalo Lance Owens
How can I find out where I can get a USDa loan?
Sorry I am not familiar with Oahu, but we have several areas here on the Big Island - think about moving?
Home Lost Value During Closing
Like others here - MORE info needed. But as a general answer, homes on the Kona side have not lost $90k in value - but I am not sure where your home is located. On the "Crazy" scale, banks are sending agents to homes on the Kona side to check for LAVA damage, they have no clue that the lava is in a 10-20 square mile...
Co Signer Out of Work
Yes, and the sooner the better. They also verify just before funding, all the parties information, including employment. So at this point you can get out of your contracts with no penalties, but if you hide the facts and it is discovered later, you may lose all your deposit money, and be liable for the...
HUD 184A Loans
Are you looking for a lender in Kailua Oahu, or Kailua Kona ?
dealing with sketchy lender?
Its always good to get a second opinion, but just FYI it is not uncommon for the banks to do this, Bottom line, the banks are not in the business to sell homes. This is why investors always get the deals, they factor in that every 10th home they buy may have hidden problems, and the other 9 homes worth of...
Buying a property with little to no down?
Checking in with what island you are on? It looks like Honolulu. Joe gave a great answer below, I just wanted to add a couple of things, we have a lot of condotels in areas which change things up, and if you are on the big island you have lava zones to contend with.

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