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All agents are NOT alike! Find out why I am a top real estate expert in Puna, Kihei & Wailea. Call me: 877-434-6487.

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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Testimonials
He is extremely knowledgeable
We wouldn't hesitate to recommend Howard to either buyers or sellers.
"Wendell and Lynda Knight"
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Real Estate - Homes - NUMBER1EXPERTS Sell More!
Howard Dinits is one of The Top Selling Real Estate Experts™
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As soon as I list another home for sale, I'll email you. You'll know first.
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Pre-Qualify For Your Mortgage
Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Puna, Kihei, Wailea and Maui real estate agent to offer services such as these. 

Once you fill out the form, I will quickly process your information and get right back to you! 

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation... 

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School Reports in Puna, Kihei, Wailea and Maui, Hawaii
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Hawaii Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Puna, Kihei, Wailea and Maui 



Real Estate Tips
Making An Offer >Bargaining

You found a house that seems perfect and you really love it. The chemistry is there, and the price is right. If you are like many buyers, you start off by asking the real estate agent if the sellers will take less than they are asking.

A real estate agent doesn't know what the sellers' bottom price is. The sellers often don't know themselves until they get an offer. In many cases, the price is negotiable, but the only way to test it is to make the sellers a written offer to accept or counter.

Attractive, well-priced homes usually sell quickly in any market. If you get involved in offers and counter offers, another buyer could come in with a better offer while you are negotiating back and forth. If you cannot qualify for financing at the asking price and you are willing to risk losing the house, you can make a lower offer. But if it will break your heart to lose a home you really love and you can afford it, it may be better to avoid bargaining and simply pay the asking price.

See All Tips In The "Making An Offer" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Into what category do forty-four percent of home buying households fall?

A 
Forty-four percent of home-buying households are made up of married couples with dependents.
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Howard Dinits, REALTOR®, real estate agent and broker for Puna, Kihei, Wailea and Maui, Hawaii home listings, property and land for sale - NUMBER1EXPERT(tm)

Howard Dinits
RE/MAX Island Surf Realty

P.O Box 2249
Kihei, HI 96753
Toll Free: 877-434-6487
Fax: 877-334-6487
Maui: 808-874-0600
Big Island: 808-965-8118
e-Mail Howard Dinits: Howard@EasyMauiRealEstate.com

Buying Real Estate doesn't have to be a Drag! When it's "Fun and Easy" working with Howard Dinits R(S). CRS, ABR, GRI, e-PRO

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