We Are Honolulu Real Estate, LLC!
Honolulu Real Estate is Our Name,
Honolulu, Oahu, Hawaii is Our Town!
Thank goodness, you've found the right people!*
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Honolulu Real Estate We Are Honolulu Real Estate, LLC! Honolulu Real Estate is Our Name, Honolulu, Oahu, Hawaii is Our Town! Thank goodness, you've found the right people!* |
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FOR SELLERS ONLY! Confidential Emails:
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SENIOR REAL ESTATE Seniors Real Estate Specialists People in their senior years often have the bulk of
their personal wealth invested in real estate. =================================================== 9 Tips for Senior Home Sellers Most people aged 65 or older have lived in their home for at least 25 years. That means moving is a challenging and unfamiliar experience. Here are nine ways that you, as seniors, can ease the transition from your long-time residence to your next home:
==================================================== Living Independently Takes Modifications It's a fact: 82 percent of seniors want to live independently, in their own homes as long as possible. But a new AARP survey of 2,000 people aged 45 and older throws new light on the difficulties of independent living.Nearly one-fourth of the seniors surveyed predicted that they or someone in their home will have difficulty navigating through the home within the next five years. Of the people who were able to modify their home, 70 percent had made at least one modification to improve ease of navigation and 67 percent believed those modifications would enable them to live in their home much longer. Examples of modifications include putting nonskid strips in bathtubs and replacing dim light bulbs with higher wattage illumination. Baby boomers are beginning to address their elderly parents' difficulties, according to AARP, and are starting to think about whether their own homes will meet their needs as they age. ==================================================== What is a Credit Score? A credit score is a numerical representation of a person's likelihood of defaulting on a loan, based on that person's credit history and credit habits. Bankruptcies, delinquencies, late payments, the total amount of available credit, the total amount of outstanding debt and other factors are woven into the calculation. The national credit reporting bureaus--Experian, Equifax and TransUnion--calculate credit scores using algorithms developed by credit scoring companies, then sell the scores to lenders along with credit reports. Lenders use the scores to help them make decisions about whether a loan application will be approved and to determine the interest rate, fees and loan terms that will be offered to that particular applicant. The thresholds for credit scores vary from lender to lender. A score above 700 nets the most optimal loan terms, while a score in the 500 range pushes the applicant into the subprime lending market. Scores in the 600's have the most flexibility in interest rates and loan terms. Here are a few tips for raising your credit score: -- Pay all your bills on time. =================================================== These articles are specifically designed for Senior real estate owners. The issues facing seniors require strategic decisions and this newsletter hopes to be both informative and thought provoking. As SRES® Realtors, we are here to assist you as a valuable resource for answers to specific planning and solutions to problems you may face. Our exclusive Senior Advantage Real Estate Discount Program can assist you in reviewing the options available to you when you decide to sell a piece of property and in saving you literally thousands of your hard-earned dollars at sale. Please contact us for further information, at (808) 955-2088 or email Myron & Ceci Chang Freeman, Broker-Owners, in complete confidence, to our private and confidential Seniors email: hawaiiseniors@honreal.com (make sure to include your email address in your communication!) ===================================================== NOTE: "It's
not how much you sell it for, Seniors Real Estate Specialist
*Each year, the Honolulu newspapers and the Honolulu
Board of Realtors present "We'd like
to thank all of you who felt that we went above and beyond the call to make your Be
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