We wanted you to know that we added new videos and in the next week we will be adding more.

Have an idea for a video?  Please share it with us and we'll mention you in the video.

Want to be in a video with Howard? email me your idea as we are willing to collaborate.

Let's have some fun and show the world why we Live or want to Live on Maui.

New Video Content added this week HD Maui Real Estate High Definition Videos about Living on Maui and Life in Hawaii.

Choosing  the right Real Estate Agent
is just as important as picking the right home.

Practice makes perfect. Do not risk the success of your highest dollar purchase by chance. Get an experienced Realtor like Howard Dinits CRS, ABR, e-PRO, SFR, GRI, TRC, RSPS to help you. 808-874-0600

It is mind blowing how many people go about finding someone to help them with real estate. Why is it that many people just pick the first real estate agent they can find to assist them in probably one of their largest financial decisions of their lives?  Check out a recent article on Realtor.com and some of my recent client testimonials.

If you went to your regular doctor and recent tests revealed a potentially life threatening situation with your heart valves. Would you rely on your physician or family/friend references, or would you just head down to the local hospital and find a doctor hanging out at the hospital information booth?  Sounds kind of nuts, right? Well this stuff happens several times a day in residential real estate. Not just in Hawaii, across the United States too.

Of course you may stumble on an experienced real estate agent on “floor duty” or at an open house, but the odds are totally against you as experienced agents have a calendar and plan to succeed. Not just for themselves, but for their clients too. This means getting their buyers pre-qualified in advance so they know exactly what they can afford.

For those of you that weren’t aware that large brokerage offices offer up floor time so the office looks busy.  How floor duty works is an agent signs up for a period of time, for example four hours. This agent is on duty for anyone who happens to look at the flyer in the window, walk in or perhaps a phone call off of a road sign.  

Successful agents, ones that have invested in their education and marketing do not spend time doing floor duty. They are either furthering their education by taking a new Certified Residential Specialist “CRS “ class or out in their community or helping clients. These super agents are in high demand because they are known for their results and knowledge of the inventory. They have a get it done attitude and do not rest till their clients are happy. Today a professional Realtor must have a fabulous website with all of the mls listings, video content, and social media marketing. Today’s smart agents know how to use technology to market themselves and their services. Your Realtor of Choice Howard Dinits is on top of his game and is always improving his many websites by listening to his client’s suggestions and their needs and adding a Maui Condo guide and other requested content.

So whom are you going to find sitting at a Maui Real Estate office? Most likely you’re going to find a brand new agent, one down on their luck, or an agent that hasn’t built a referral business from their hundreds of happy clients.  It is even possible that you will find a person trying to break into the real estate business and your $1,000,000.00 home purchase is their first transaction.

Now I am sincerely hoping that you’re not going to search for that physician hanging out in the Hospital cafeteria, information booth or waiting room. So I must ask you. Why would you pick your real estate guide for an important financial decision simply because they are the first one you stumbled on?

Or another mistake that could cost you thousands of dollars would be to pick a real estate agent at an open house, who has a fiduciary duty to that seller, to get the highest price and best terms for them.  You’ll want to pick your own Accredited Buyer’s Representative that has fiduciary responsibility only to you. An ABR like Howard Dinits has special training so that he knows how to represent a buyer’s needs. Howard has helped over 100 families move to Hawaii and Maui.

Not all real estate agents are the same. When you pin your real estate success on luck, or chance, you are most likely to have a really bad experience.

Thank you for picking me as your Realtor of Choice,

Howard Dinits RS
RE/MAX Resort Realty
808-874-0600 Toll Free 877-434-6487
fax 877-334-6487
http://www.EasyMauiRealEstate.com
http://www.BigIslandRealEstate.com
Each of us has a personal calling that's as unique as a fingerprint and that the best way to succeed is to discover what you Love and then offer it in the form of service.  I Love what I do. Please let me know if you hear of someone Buying or Selling Real Estate in Hawaii.

From Realtor.com

http://www.realtor.com/home-finance/buyers-basics/how-to-choose-a-realtor.aspx
How to evaluate an agent In Hawaii, Maui, Kihei,
In making your decision to work with an agent, there are certain questions you should ask when evaluating a potential agent. The first question you should ask is whether the agent is a REALTOR® . You should then ask:

• Does the agent have an active real estate license in good standing? To find this information, you can check with your state’s governing agency.
• Does the agent belong to the Multiple Listing Service (MLS) and/or a reliable online home buyer’s search service? Multiple Listing Services are cooperative information networks of REALTORS® that provide descriptions of most of the houses for sale in a particular region.
• Is real estate their full-time career?
• What real estate designations does the agent hold?
• Which party is he or she representing--you or the seller? This discussion is supposed to occur early on, at "first serious contact" with you. The agent should discuss your state's particular definitions of agency, so you'll know where you stand.
• In exchange for your commitment, how will the agent help you accomplish your goals? Show you homes that meet your requirements and provide you with a list of the properties he or she is showing you?
• Howard Dinits RS
  RE/MAX Resort Realty
  808-874-0600 Toll Free 877-434-6487
  fax 877-334-6487
  http://www.EasyMauiRealEstate.com
  http://www.BigIslandRealEstate.com

For more information contact:

Certified Residential Specialist, Short Sale and Foreclosure Resource, GRI, e-PRO

Howard Dinits (R)S

RE/MAX Resort Realty 808-874-0600

877-434-6487  or via e-mail Howard@HowardDinits.com

Having a hard time making you mortgage payments?

 
Facing foreclosure?

These days, you hear plenty of stories about families that are losing their homes in Kahului, Wailuku, Kihei, Wailea and Lahaina. Most people don’t want to face up to the reality, until foreclosure sets in, and that can harm your credit, or worse give you a huge tax burden. Hawaii is a deficiency State so the lienholders could get a judgment against you and collect-garnish your future earnings. You can contact your bank and renegotiate the length of the mortgage or interest rate, which may lower your payment amount. If you are really having a problem with your payments and you have good credit you may want to do a short sale.

Your first step is to hire a Maui Real Estate Broker that has Short Sale experience.

List your property for sale with a reputable real estate company and send a brief letter to all mortgage holders, giving them permission to speak with your Realtor. Otherwise, privacy laws will prevent them from talking to your agent.

What do I do, if there’s more than 1 lender?

If there are a first and second mortgage or a home equity line of credit, you may have to talk to more than one lender to get approval for a short sale.  The presence of two lenders makes a short sale more complicated since it’s often the lender holding the second mortgage that has to absorb most of the loss.

Who should I contact at the bank?

Be sure you call the bank’s loss mitigation or short sale departments, which will be the group to decide whether, or not to accept a short sale.  Finding the decision maker is often one of the biggest hurdles in doing a short sale.

What information will the bank need to decide whether to accept a short sale?

The short sale submission package should include W-2 forms from employers (or a letter explaining that you are unemployed), bank statements, two years of tax returns, and other documents outlining income and debt obligations. In addition, as a short seller you should submit a “hardship letter,” explaining the circumstances that make it impossible for you to pay the full amount of the loan

What financial or credit liabilities will I have as a result of a short sale?

Many lenders ask you to sign a promissory note for all or part of the difference between the proceeds of the short sale and the debt obligation as a condition to a short sale. In such cases, the note gives lenders the right to sue a seller and attach other assets if the note is not paid when due. Having a portion of a loan forgiven may adversely affect a seller’s credit.

What tax liabilities will a seller have as a result of a short sale?

One often over looked aspect of short sales is that a seller must count any amount forgiven by the lender as income and pay taxes on that income, even if no actual money was received. The IRS requires lenders to submit a Form 1099 stating the forgiven amount. Sellers who meet the Internal Revenue Service definition of insolvency will not have to pay taxes on the forgiven amount.

Home ownership is your right and please remember that you have friends in the real estate industry that may be able to assist you in these tough times.

For more information contact:

Certified Residential Specialist

Howard Dinits (R)S

RE/MAX Resort Realty

877-434-6487  or via e-mail Howard@HowardDinits.com

How To Do a Short Sale in Maui Hawaii?

This is just a guide for some of the items you will need to know.

I suggest you contact me, Howard Dinits directly with any questions you may have about a specific purchase or property as I am a Certified International Property Specialist and am here to assist you.
808-874-0600 toll free 877-434-6487
RE/MAX Resort Realty
Howard@HowardDinits.com

http://www.EasyMauiRealEstate.com

I am often asked, “What do Canadian Buyers Need to Know Before Buying Real Estate in Hawaii?”

This guide may help Canadians, or les Canadiens, or les Canadiennes, and friends in Canada with purchasing Real Estate in Maui, Hawaii.

What are the Terms and Definitions that may be different in Hawaii?

FREEHOLD = FEE SIMPLE which means you have the right to use the land for an indefinite period of time and, subject to any bylaws or restrictive covenants, may do what you wish with that land. You own the air space above your land and the land itself.

LEASEHOLD INTEREST = Leasehold  means that owning a leasehold on a piece of land gives you the right to use the land for a certain period of time. The owner of the leasehold may sell the land, but the new land owner will be subject to the terms and conditions of the original lease.

Strata fees = AOAO fees 

Garburator = Garbage Disposal

States - The USA - Mainland

Washroom - bathroom

Hydro = Electricity

Subjects = contingencies:  In Canada you normally remove the subjects within 7 days.  Our contingency and inspection periods can be much longer.  A standard contract provides 15 days for a home inspection and 15 days to review the seller’s disclosure statement.

Existing As is clause = In Canada when a home is sold the seller must bring their home up to code.  In Maui, the seller is required to disclose anything that might affect the property’s material value.  This is why your real estate agent Howard suggests we hire a licensed home inspector to identify any items that are in disrepair or that do not meet current building codes. 

FIXTURES vs CHATTELS: If an item is built in or attached to the property in a permanent way, then it is considered a fixture and will be transferred with the property unless it’s otherwise stated in the purchase and sale agreement. A chattel, on the other hand, is something that is movable like a fridge or a washer and dryer. These are assumed to not be included unless otherwise stated in the purchase contract.

In Canada I hear you use attorneys for the whole transaction.
We only use attorney’s to draft the Deed.

We use Title and Escrow companies

In the state of Hawaii we use title companies and escrow officers to handle the transfer of  funds, property and the recording of the deed.  This is different from the process that you are used to in Canada.  The escrow officer, in addition to your Buyer’s Agent Howard Dinits RS ABR will go over with you the time line, title issues, and the necessary required paperwork. When it comes to scheduling your inspections Howard will assist you in locating the right person to do the job.

How long does it take to purchase a home or condo in Hawaii?
Purchasing Real Estate in Maui can take 45 to 60 days and sometimes longer to complete. 

What are the costs?

There are certain closing costs and taxes that are customary in the US that you may not be used to and are in addition to the actual purchase price.  These item may include:

Escrow fees, Title insurance, Attorney fees, Loan Origination fees, Pest Inspections, Home Inspections, Appraisal Fees, Home Owner Association Transfer fees, maintenance fees, property taxes and others.

As Your Realtor of Choice, Howard Dinits will give you a breakdown and an itemized estimate of all the fees that are associated with your purchase.

What does it take to get a loan in Hawaii?

Take note: Lenders must be licensed in Hawaii. This means you can't use a Canadian or a Mainland US lender to finance a Hawaii property. 

Mortgage Rules can be different in the States as you are able to finance for 30 years.

Because your interest rates are much cheaper in Canada, Howard suggests that you get a loan such as a second mortgage on your home, in Canada and use the money from that loan to make a cash purchase in Hawaii.

Having already established good credit in the US may help, but I also have discovered that Canada has a credit scoring system that is accepted here in the US by most of our lenders.

Foreign investors like Canadians typically need at least 30% down to get a loan in the US. If you are thinking of owning a condo-tel or vacation rental you may need a minimum of 35% down

Canadians also typically pay ½ to 1% higher loan rate than buyers from the United States.

How do I go about Signing Closing Documents?

Some documents will have to be notarized by a US notary.  The instructions will likely direct you to do the signing at the US Embassy.  That will likely require scheduling an appointment, taking a ferry and can be time consuming.  I often suggest to my clients that it may be easier to come across the boarder to a notary in the US.

How do I establish service with the utility companies?

If the utilities are to be in the name of the new foreign owner Maui Electric will require notarized ID's in order to open an account. This can be done in person at the local MECO office. The Maui Water Company may require a one time deposit to establish service.

What are the Tax Liabilities?

Non-US citizens are subject to FIRPTA. Foreign Investment in Real Property Tax Act of 1980. The act requires that 10% of the sales price to make sure that US taxes on the gain are paid. You may file a tax return to get the overpayment back. If you did not realize a profit there is a form we can file to exempt you from this tax. A 1031 Exchange will also exempt you from this tax.

HARPTA  is Hawaii state’s version of FIRPTA.  In the case of HARPTA, 5% of the sales price is owed. This HARPTA is collected from all sellers that do not reside in Hawaii. If you did not realize a profit there is a form we can file to exempt you from this tax. A 1031 Exchange will also exempt you from this tax.

All foreign investors will need a TIN number in the United States if they are renting out their property. If you do not plan on renting it out a TIN may not be needed immediately, however it will be required when you sell the property.  Your buyer’s agent Howard Dinits recommends Canadians get the TIN at the time of purchase and it can be handled through escrow.

For more info please download a pdf document explaining Harpta and Firpta

Are you tired of the Cold?	Looking for fun in the sun?

Call Howard Dinits RS
808-874-0600 toll free 877-434-6487
RE/MAX Resort Realty
Howard@HowardDinits.com

http://www.EasyMauiRealEstate.com

Howard Dinits RS
RE/MAX Resort Realty
808-874-0600 Toll Free 877-434-6487
fax 877-334-6487
http://www.EasyMauiRealEstate.com
http://www.BigIslandRealEstate.com

Each of us has a personal calling that's as unique as a fingerprint and that the best way to succeed is to discover what you Love to do and then offer it up in the form of service. I Love what I do. Please let me know if you hear of someone Buying or Selling Real Estate in Hawaii.

How do you foreclose on a reverse mortgage 206.125 ?

Title 24: Housing and Urban Development

Subtitle B: Regulations Relating to Housing and Urban Development (Continued)

CHAPTER II: OFFICE OF ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

SUBCHAPTER B: MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES

PART 206: HOME EQUITY CONVERSION MORTGAGE INSURANCE

Subpart C: Contract Rights and Obligations

: Claim Procedure

206.125 - Acquisition and sale of the property.

(a) Initial action by the mortgagee. (1) The mortgagee shall notify the Secretary whenever the mortgage is due and payable under the conditions stated in ? 206.27(c)(1), or one of the conditions stated in ? 206.27(c)(2) has occurred.

(2) After notifying the Secretary, and receiving approval of the Secretary when needed, the mortgagee shall notify the mortgagor that the mortgage is due and payable, unless the mortgage is due and payable by reason of the mortgagor's death. The mortgagee shall require the mortgagor to (i) pay the mortgage balance, including any accrued interest and MIP, in full; (ii) sell the property for at least 95% of the appraised value as determined under ? 206.125(b), with the net proceeds of the sale to be applied towards the mortgage balance; or (iii) provide the mortgagee with a deed in lieu of foreclosure. The mortgagor shall have 30 days in which to comply with the preceding sentence, or correct the matter which resulted in the mortgage coming due and payable, before a foreclosure proceeding is begun.

(3) Even after a foreclosure proceeding is begun, the mortgagee shall permit the mortgagor to correct the condition which resulted in the mortgage coming due and payable and to reinstate the mortgage, and the mortgage insurance shall continue in effect. The mortgagee may require the mortgagor to pay any costs that the mortgagee incurred to reinstate the mortgagor, including forclosure costs and reasonable attorney's fees. Such costs shall be paid by adding them to the mortgage balance. The mortgagee may refuse reinstatement by the mortgagor if:

(i) The mortgagee has accepted reinstatement of the mortgage within the past two years immediately preceeding the current notification to the mortgagor that the mortgage is due and payable;

(ii) Reinstatement will preclude foreclosure if the mortgage becomes due and payable at a later date; or

(iii) Reinstatement will adversely affect the priority of the mortgage lien.

(b) Appraisal. The mortgagee shall obtain an appraisal of the property no later than 30 days after the mortgagor is notified that the mortgage is due and payable, or no later than 30 days after the mortgagee becomes aware of the mortgagor's death, or upon the mortgagor's request in connection with a pending sale. The property shall be appraised no later than 15 days before a foreclosure sale. The appraisal shall be at the mortgagor's expense unless the mortgage is due and payable. If the mortgage is due and payable, the appraisal shall be at the mortgagee's expense but the mortgagee shall have a right to be reimbursed out of the proceeds of any sale by the mortgagor.

(c) Sale by mortgagor. Whether or not the mortgage is due and payable, the mortgagor may sell the property for at least the lesser of the mortgage balance or the appraised value (determined under ? 206.125(b)). If the mortgage is due and payable at the time the contract for sale is executed, the mortgagor may sell the property for at least the lesser of the mortgage balance or five percent under the appraised value. The mortgagee shall satisfy the mortgage of record (and the Secretary will satisfy the second mortgage required under ? 206.27(e) of record) in order to facilitate the sale, provided that there are no junior liens (except the mortgage to secure payments by the Secretary under ? 206.27(e)) and all the net proceeds from the sale are paid to the mortgagee.

(d) Initiation of foreclosure. (1) The mortgagee shall commence foreclosure of the mortgage within six months of giving notice to the mortgagor that the mortgage is due and payable, or six months from the date of the mortgagor's death if applicable, or within such additional time as may be approved by the Secretary.

(2) If the laws of the State in which the mortgaged property is located or if Federal bankruptcy law does not permit the commencement of the foreclosure within six months from the date of the notice to the mortgagor that the mortgage is due and payable, the mortgagee shall commence foreclosure within six months after the expiration of the time during which such foreclosure is prohibited by such laws.

(3) The mortgagee must give written notice to the Secretary within 30 days after the initiation of foreclosure proceedings, and must exercise reasonable diligence in prosecuting the foreclosure proceedings to completion and in acquiring title to and possession of the property. A time frame that is determined by the Secretary to constitute ?reasonable diligence? for each State is made available to mortgagees.

(4) The mortgagee shall bid at the foreclosure sale an amount equal to the appraised value of the property.

(e) Other bidders at foreclosure sale. If a party other than the mortgagee is the successful bidder at the foreclosure sale, the net proceeds of sale shall be applied to the mortgage balance.

(f) Deed in lieu of foreclosure. (1) In order to avoid delays and additional expense as a result of instituting and completing a foreclosure action, the mortgagee shall accept a deed in lieu of foreclosure from the mortgagor if the mortgagee is able to obtain good and marketable title from the mortgagor.

(2) In exchange for the executed and delivered deed, the mortgagee shall cancel the credit instrument and deliver it to the mortgagor and satisfy the mortgage of record.

(g) Sale of the acquired property. (1) Upon acquisition of the property by foreclosure or deed in lieu of foreclosure, the mortgagee shall take possession of, preserve and repair the property and shall make diligent efforts to sell the property within six months from the date the mortgagee acquired the property. Repairs shall not exceed those required by local law and, in cases where the sale is made with a mortgage insured by the Secretary or guaranteed by the Secretary of Veterans Affairs, those necessary to meet the objectives of the property standards required for mortgages insured by the Secretary. No other repairs shall be made without the specific advance approval of the Secretary. The mortgagee shall sell the property for an amount not less than the appraised value (as provided under paragraph (b) of this section) unless written permission is obtained from the Secretary authorizing a sale at a lower price.

(2) Repairs shall not exceed those required by local law or the requirements of the Secretary of HUD or the Secretary of Veterans Affairs if the sale of the property is financed with a mortgage insured by the Secretary of HUD or guaranteed, insured or taken by the Secretary of Veterans Affairs.

(3) The mortgagee shall not enter into a contract for the preservation, repair or sale of the property with any officer, employee, owner of ten percent or more interest in the mortgagee or with any other person or organization having an identity of interest with the mortgagee or with any relative of such officer, employee, owner or person.

Howard Dinits RS
RE/MAX Resort Realty
808-874-0600 Toll Free 877-434-6487
fax 877-334-6487
http://www.EasyMauiRealEstate.com
http://www.BigIslandRealEstate.com

Each of us has a personal calling that's as unique as a fingerprint and that the best way to succeed is to discover what you Love to do and then offer it up in the form of service. I Love what I do. Please let me know if you hear of someone Buying or Selling Real Estate in Hawaii.

This is a reprint of an article printed in the Victoria Times Colonist

Spreading the Word About VA Loans this Memorial Day Weekend

Memorial Day is a time to honor the men and women who have so willingly served our country and fought for everything we stand for. Memorial Day started as a day to recognize those who had fallen during the Civil War and later expanded to all service members. Just as Memorial Day was expanded to all service members, the VA home loan program is designed for veterans and active duty service members alike.

What is the VA Home Loan Program?

The VA Home Loan Program is a unique lending opportunity, which directly caters to the needs of military members. Established in 1944, the VA Loan Program has helped nearly 19 million veterans and active duty members achieve homeownership by insuring a part of each loan given. You will find that the VA limits differ in each count of Hawaii. Your Maui Real Estate Agent Howard DInits will inform you of this amount. You can use your VA ito buy a house in Kihei, Wailea, Kahului, Lahaina. Your Va Loan will help you with homes for sale in Pukalani, Paia, Makawao and Haiku.

Why Choose a VA Home Loan?

For veterans and active duty service members, the VA Home Loan is able to provide them with more money-saving benefits than a conventional lending program could. With a VA Home Loan, military members are able to not only purchase a home with no need for a down payment, but they are also able to benefit from:

• Competitive interest rates
• Flexible mortgage terms
• No mortgage insurance required

What is the VA Home Loan Process?

The steps to obtaining a VA Home Loan are relatively easy and painless. After calling a VA Loan Specialist like VA Mortgage Center.com, an interested veteran or active duty service member can achieve homeownership in as little a five steps. The typical steps for securing a VA Home Loan include:

• Submitting Certificate of Eligibility
• Finding a Home
• Submitting the VA Home Loan Application
• Waiting for Processing and Approval
• Closing the Loan

Who is Eligible?

To make homeownership readily available to all veterans and active duty service members, the VA Home Loan Program has very few eligibility requirements. To become initially available for a VA Home Loan, a military member must simply have:

• Served for at least 3 months on active duty during war time or served for 181 days on active during peacetime
• Served 6 years in the Reserves or National Guard

There are no credit or income requirements associated with the VA Home Loan program; however, most VA-approved lenders will require a credit score of at least 620 to secure financing. Regardless of this lender credit requirement, all military members interested in securing a VA Home Loan are encouraged to apply as even those with imperfect credit histories have been approved in the past.

Looking to buy property on Maui?

I want to be your Buyer's agent.

Howard Dinits RS
RE/MAX Resort Realty
808-874-0600 Toll Free 877-434-6487
fax 877-334-6487
http://www.EasyMauiRealEstate.com
http://www.BigIslandRealEstate.com

Each of us has a personal calling that's as unique as a fingerprint and that the best way to succeed is to discover what you Love to do and then offer it up in the form of service. I Love what I do. Please let me know if you hear of someone Buying or Selling Real Estate in Hawaii.

When thinking about finding a place to live, one of the most important questions to answer is, "Should I rent a house or buy a home?" The answer could be different at different times in your life, but on average, buying a house is better than renting. There are plenty of reasons that buying is better and will benefit you in the long run.

The largest benefit to buying a home is the equity you will place into the purchase. When you buy a house, the payments you make towards the mortgage are going towards your ownership of the house. The more you pay into the home, the more equity you have. When the house is paid off, you will have all of that equity in your name so if you ever need access to the money, you will have that asset. If you are renting a house, your rent does not go towards equity. Rent is simply money you will never see again.

Owning a home also locks in your monthly payment. Once you make a deal with a lender, you know what your mortgage payment will be every month, no matter what the market is doing or how high interest rates rise. When you rent, you have no guarantee that your payments will be the same once your lease is renewed. If your current lease is good for a year, the owner could raise your rent price after that year.

Buying a home also helps you build your financial portfolio. Homes generally increase in value over time, especially if you take good care of the property and make minor improvements. If you sell your home a few years down the road, you should be able to make a profit. When you rent, you leave the property with no money returned and no extra cash.

If you enjoy making your living space match your personality, buying is also a better idea. When you buy a home, you can change it however you please. You can paint, put in new, more efficient units, remodel, or whatever you please. If you rent a house, you will have to get clearance for anything you do and the landlord may not allow you to make any changes at all.

There are many reasons that buying a home over renting is beneficial to you. Once you find the perfect home for your family, you can check into the various <a href="http://www.movebuilder.com">moving companies</a> in your area and compare the prices and services. Then, when you are ready to move, you can have peace of mind that you will have the help you need to make the change you want.

Looking to Buy a home in Kihei? Maui? or Hawaii.

I want to be your Buyer's Agent!

Howard Dinits RS
RE/MAX Resort Realty
808-874-0600 Toll Free 877-434-6487
fax 877-334-6487
http://www.EasyMauiRealEstate.com
http://www.BigIslandRealEstate.com

Each of us has a personal calling that's as unique as a fingerprint and that the best way to succeed is to discover what you Love to do and then offer it up in the form of service. I Love what I do. Please let me know if you hear of someone Buying or Selling Real Estate in Hawaii.

Maui Hawaii real estate - is our passion so our website is http://www.EasyMauiRealEstate.com features real estate services and mls listings in South Maui, Wailea, Makena, and Kihei.

People always ask me about the deals on Maui.

Well the Deals Go Fast, so I thought I'd put them in one place where you can easily find them.

Please call or email TODAY so we can work together to get you your place on Maui.

Howard Dinits RS    RE/MAX Resort Realty   808-877-0600   or   877-434-6487

bank owned, Just Listed Foreclosure, REO and Short Sales
pease bookmark this page.

I often get asked,
How do I get my pet or animal into Hawaii?

I realize your pet is often a family member and you want to find a place that will make them happy too?

Are you waiting for interest rates to get lower?

Or for someone to tell you the market has hit bottom?

The financial news has choke stories warning people about the inability to predict the bottom of the stock market. A 40% decrease in stock prices in one year have uncovered some great values available for investors and buying them at their absolute lowest price will not make much difference for the people who hold them for a while.

Well . . .  Have you ever considered the Cost of Waiting?
Hawaii home prices are very much the same. There has been a correction in the market and prices are down in most parts of the state. Combine these with the best rates we have ever seen and everyone will later look back and Talk Story and say, "This was the best time to buy."

I'd like to save you from potentially making a $180,000.00 mistake.
Want to know more? Keep reading.
Let's make an assumption that the house prices may still decline 5% more before they start appreciating again. If while a buyer was waiting for the price on a $500,000 to go down 5% to $475,000 and the interest rate goes up one percent from 5.25% to 6.25%, which is entirely possible, the buyer's monthly payments will increase almost $500 per month. With this scenario, simply by waiting for the price to come down you’ll pay an extra $180,000.00 over the life of the loan. That is 500 dollars multiplied by 360 payments equals $180,000.00

Ouch! = You don't want to make this mistake?
Call Howard Dinits RS RE/MAX Resort Realty
808-874-0600 or 877-434-6487

For most buyers, a fixed monthly payment for their home is much more important than the price paid or even the equity in the home. If you act now and rates go up later, you will get more house for the same payment.

Follow Buffett's lead.

We could learn from long time investors like Warren Buffett who is pushing 84, but he hasn't been worried or trying to make a quick buck, no matter what the market has done. Rather, he's been investing for the long term. In the past few years, that's meant waiting for opportunities to present themselves. Now that they are, he's striking with a vengeance and so should you.

Because of his patience, Buffett hasn't had to compromise and he's getting great companies at great prices. When Constellation Energy's price dropped so suddenly in mid-September (from above $60 to the $20s), he was ready to pounce. Goldman and GE may have approached him, but you can be darn sure that he'd already done the bulk of his research beforehand.

To be great Real Estate investors, we need to be similarly prepared. In volatile times like these, the Hawaii Real Estate market presents us with loads of great values especially with Short Sales and REO’s . Just because house values have fallen since the peak, doesn't mean they were not great long term investments.

Let me ask you?  Do you know anyone that will sell you their home, for the same price they paid for it 10 years ago?

My advise to those concerned about their future is to take advantage of the best interest rates that we have seen in history. Invest for the long term and build yourself a nest egg for your retirement.

For more information on Real Estate Investments please contact Certified Residential Specialist

Howard Dinits RS RE/MAX Maui 877-434-6487  www.EasyMauiRealEstate.com or Howard@HowardDinits.com

This week's newsletter

Howard Dinits RS
RE/MAX Resort Realty
808-874-0600 Toll Free 877-434-6487
fax 877-334-6487
http://www.EasyMauiRealEstate.com
http://www.BigIslandRealEstate.com
what, will, one, million, dollars, buy, maui, hawaii, real, estate, home, house
Each of us has a personal calling that's as unique as a fingerprint-
and that the best way to succeed is to discover what you Love and then offer it in the form of service.
I Love what I do. Please let me know if you hear of someone Buying or Selling Real Estate in Hawaii.

.

Buyers and Sellers Benefit from REALTOR^® Expertise in Distressed Sales

Maui, Hawaii, November 22 2010 — Howard Dinits with RE/MAX Resort Realty has earned the nationally recognized Short Sales and Foreclosure Resource certification. The National Association of REALTORS^® offers the SFR certification to REALTORS^® who want to help both buyers and sellers navigate these complicated transactions, as demand for professional expertise with distressed sales grows.

According to a recent NAR survey, nearly one-third of all existing homes sold recently were either short sales or foreclosures.  For many real estate professionals, short sales and foreclosures are the new “traditional” transaction.  REALTORS^® who have earned the SFR certification know how to help sellers maneuver the complexities of short sales as well as help buyers pursue short sale and foreclosure opportunities.

“As leading advocates for homeownership, REALTORS^® believe that any family that loses its home to foreclosure is one family too many, but unfortunately, there are situations in which people just cannot afford to keep their homes, and a foreclosure or a short sale results,” said 2009 NAR President Charles McMillan, a broker with Coldwell Banker Residential Brokerage in Dallas-Fort Worth. “Foreclosures and short sales can offer opportunities for home buyers and benefit the larger community, as well, but it’s extremely important to have the help of a real estate professional like a REALTOR^® who has earned the SFR certification for these kinds of purchases.”

The certification program includes training on how to qualify sellers for short sales, negotiate with lenders, protect buyers, and limit risk, and provides resources to help REALTORS^® stay current on national and state-specific information as the market for these distressed properties evolves. To earn the SFR certification, REALTORS^Ò are required to take one core course and three Webinars.

Contact:Howard Dinits RS
RE/MAX Resort Realty
808-874-0600
Howard@HowardDinits.com
http://www.easymauirealestate.com

Foreclosures, Bank Owned and Short Sales in Maui Hawaii

 By Howard Dinits RS CRS, CIPS, RSPS, SFR, ABR, GRI, e-PRO

If you're waiting for signs of a housing bottom, join the club. Nobody blows a whistle and says, "It's time to buy!" and if they do, they are 90 days too late.

That's why timing is an art, not a science, but you can improve your odds of buying wisely here on the Island of Maui In Hawaii.

First, stop paying attention to the national media. Fear has sidelined buyers even in good markets, and that's exactly when you need to take advantage . . . before other buyers wise up and the deals are gone.

Second, be ready to pounce when you see the home you want.

The time is right to buy when you see these signs in Hawaii’s marketplace:

• · Inventories start to decline.  That means that the best buys are leaving the market, and best doesn't necessarily mean cheap. It means the homes with the highest likelihood of profitable resale. Desirable homes will leave the market first.

• · The Number of Days on market reducing.  The Days on market refers to the period when a Realtor enters a home in the MLS for marketing to other brokers, until the home sells.   When DOM are shorter, that signals a coming seller's market. A seller's market has more buyers than homes, so prices go up and selection goes down.

• ·  Mortgage applications increase.  Interest rates are still at a historical low causing many homeowners to jump in and refinance.  Purchase applications were also up. Either way, that means homes are about to leave the market, so a lessoning of inventory means firmer prices.   Sellers will stop dropping their prices.

• · Sold homes go for closer to listing price. In 2009, home prices sold within 97 percent of listing price. When they get to 98 percent, you'd better be ready.
  

• · Prices remain firm or rise. Prices are a product of demand. To attract buyers, sellers reduce their prices and offer more incentives. If homes are selling reasonably well, prices won't move downward . . . they'll go up.
  

• · Incentives disappear. When a market begins to favor sellers, they don't have to do as much to sell homes. Watch new homes and see if builders are still giving away appliances and granite kitchens. If they aren't, times have changed.

Any change in condition will change others, so again be ready. Now is the time to buy a better house while prices are low in Hawaii, interest rates are low and inventory is still high.

When you are thinking of Buying or Selling in Hawaii be certain to get help from a professional. Make sure your Realtor has an up to date website with listings from the Multiple listing service and has the proper designations and training to help you in today’s market that is not like any previous market, There are new ways of doing Real Estate and types of transactions that many Realtors have not seen before, like REO's Bank Owned, and Short Sale properties.

Please use an agent that has the Short Sale and Foreclosure Resource (SFR).

Contact Howard Dinits RS, Certified Residential Specialist at 877-434-6487
or email Howard@HowardDinits.com
For Listings and Hawaii Relocation Information Go To http://www.EasyMauiRealEstate.com.

It's Time For Investors and Home Buyers To Buy Foreclosures, Bank Owned and Short Sales in Maui Hawaii

By Howard Dinits RS CRS, CIPS, RSPS, SFR, ABR, GRI, e-PRO

808-874-0600

Home and Condo Sales in Hawaii Likely to increase
in the next few months especially in Maui.

According to RE/MAX’s monthly National Housing Report, the housing market is attempting to return to traditional seasonal trends after a slow summer following the spring rush to qualify for the government’s homebuyer tax credit.

September sales were 6.4 percent below those in August and 20.6 percent below sales in September 2009.

RE/MAX also cites stabilization in prices due to a drop in the inventory of homes for sale.

“We anticipated the drop in home sales this summer due to the tax credit, and we usually see sales in September fall below August levels, but we’re encouraged by the increase amount of signed contracts of late,” said Howard Dinits, of the Kihei Wailae based RE/MAX Resort Realty .

Howard Dinits R(S)

RE/MAX Resort Realty

3700 Wailea Alanui Dr #225

Kihei, Wailea HI 96753

Direct: 808-874-0600

Cell: 808-896-1593

Fax: 877-334-6487

Send An Email

This information is provided by your Maui Real Estate Agent Howard Dinits RS   RE/MAX Resort Realty 808-874-0600

If you would like to know more about moving to Maui or one of these subdivisions Please call Howard Dinits 808-874-0600

Zone 1 - Hana
2-1-1 Hana
2-1-2 IBBETSON
2-1-3 Kawela Subdivision, Perman Subdivision

2-2-1 Kaimanu Estates, Kula, Makena, Maui Meadows, Wailea, Wailea Fairways, Wailea Golf Estates,
Wailea Golf Vistas, Wailea Highlands, Wailea Kai, Wailea Kialoa, Wailea Pualani

2-2-2 Anawio Subdivison, Heleakala Greens Subdivision, Kula, Kula Highlands, Kula Nani, Makai Hts.,
Maui Research & Technology Park Ph I/Incr I, Piilani North II (Road C) Large Lot Subd, Piilani
Village, Piilani Village Shopping Center, South Kihei, Waiohuli Hikina Subdivision

2-2-3 Fleming House Lots, Good Earth Farms Subdivision III, Isobe Subdivision, James De Rego
Subdivision, Kealahou Subdivision, Kua'aina Ridge, Kula, Kula 200 I, Kula 200 II, Kula Glen, Kula
Kai, Kula Mala, Kula Manu, Kula Meadows Subdivision, Kula Sunset, Kulamalu Mauka Subdivison,
Kulamalu Residential Subdivison, Kulamalu Commercial Subdivison, Kulamalu Hilltop Subdivision,
Kulamalu Subdivision, Lani'iki Ridge Phase A, Malukaohu Farms Subdivision, Mountain Breeze
Heights, Pukalani, Pulehuiki Kamehameiki Homesteads, Pulehunui Subdivision, Puu Koa
Subdivision, R Von Tempskey-T Buchanan-Lomongo Subdiv, Yokouchi Subdivision

2-2-4 Haliimaile, Makawao, Olinda, Piiholo North Subdivision, Piiholo South Subdivision

2-2-5 Haliimaile, Makawao, Maunaolu Plantation Subdiv, Paia, Pukalani, Upper Paia

2-2-6 Kuau, North Shore Village S/D, Paia

2-2-7 Haiku, John & Mary Phillips Subdivision, West Kuiaha Meadows S/d

2-2-8 Peahi

2-2-9 Hoolawa Point S/D, Huelo, Huelo Hui Subdivision

This information is provided by your Maui Real Estate Agent
Howard Dinits RS   RE/MAX Resort Realty 808-874-0600

If you would like to know more about moving to Maui or one of these subdivisions Please call Howard Dinits 808-874-0600
Zone 3 - Wailuku & Kahului
2-3-1 Kahakuloa
2-3-2 Malaihi Ag Subdivision, Waihee
2-3-3 Waiehu, Wailuku Country Estates
2-3-4 Fleming Tract, Hale Koa, Happy Valley, Home Hoike Hana Tract, Paukukalo, Puuone, The
Millyard, Wailuku, Wailuku Industrial Park, Wailuku Parkside S/D
2-3-5 Akolea at Kehalani, Cottages at Kehalani, Koa at Kehalani, Maunaleo at Kehalani, Nanea at
Kehalani, Ohia at Kehalani Ph II, Ohia at Kehalani Subdivision, Olena at Kehalani, Olena Ph II at
Kehalani, Waikapu, Waikapu Gardens S/D, Waikapu Ranch Inc Subdivision, Waiko Baseyard
Subdivision, Wailuku, Wailuku Hts., Waiolani Mauka Subdivision, Waiolani Pikake Subdivision

2-3-6 Maalaea, Waikapu

2-3-7 Kahului

2-3-8 Consolidated Baseyards LLC Subdivision, E Paepae Ka Pukoa Subdivision, Hale Piilani, Harbor
View, Kahului, Kahului Industrial Park Ph I-A, Kanaloa, Legends at Maui Lani, Luana Gardens,
Maalaea, Maui Island & Bluff S/D, Maui Lani, Maui Lani Island & Bluff S/D, Na Hoku at Maui Lani,North Kihei, Sandhills Estates, Spreckelsville, Wailuku

2-3-9 Alii Village Subdivision, Central Kihei, Hale Kilohana Sub., Hale Lakau, Haleakala Village Sub.,
Honu Alahele Subdivision I, Honu Alahele Subdivision II, Kamalii Alayna Subdivision, KamaliiAlayna Subdivision Ph II, Kamaole Heights, Kaonoulu Estates, Kaonoulu Ranch (Large-Lot)Subdivision No. 2, Kauhale Kai Sub., Ke Alii Kai S/D, Keawakapu Views, Kenolio Makai
Subdivision, Kenolio Mauka Subdivision, Keonekai Estates II, Keonekai Hts., Keonekai Hts. II,
Keonekai Hts. III, Keonekai Hts. IV, Kihei Hts., Kihei Kauhele Subdivision, Kihei Village Sub.,

Zone 4 - Lahaina

Kilohana Hema Subdivision, Kilohana Mauka Subdivision, Kilohana Ridge Subdivision, Kilohana
Waena Subdivision, Leialoha Subdivison, Makai Hts, Meadowlands, Moana Estates Subdivision,
North Kihei, Pacific Terrace, South Kihei, Wai Wai Paa Subdivision, Waiakoa House Lots, Waiakoa
Kai Estates, Waimahaihai, Waiohuli Estates

2-4-1 Honokohau

2-4-2 Honolua Ridge, Kapalua Central Resort, Pineapple Hill, Pineapple Hill at Kapalua PH 2, Pineapple
Hill Estates, Plantation Estates

2-4-3 Honokeana, Kahana Ridge, Kahana-Honokowai, Kahananui, Kapalani Estates, Kapua Village S/D,
Kauhale Mahinahina Subdiv, Kili Nahe Subdivision, Mahinahina, Napili, Napilihau

2-4-4 Kaanapali, Kaanapali Golf Estates, Kaanapali Hillside, Kaanapali Vista, Kahana-Honokowai, Ke Alii
S/D I, Ke Alii Subdivision, LANIKEHA PH I, LANIKEHA PH II, Pinnacle at Kaanapali Subdivision,
Pioneer Farms Subdivision Ph I, Royal Kaanapali Estates, Views at Kaanapali

2-4-5 Kelawea, Kelawea Mauka, Kuhua Tract, Lahaina, Lahaina Business Park, Lokahi Kuhua

Subdivision, Upper Kapunakea, Wahikuli Houselots, Wahikuli Terrace
2-4-6 Aholo, Kauaula, Komohana Hale, Lahaina, Paunau, PUAMANA, Puamana Nui

2-4-7 Mahanalua Nui S/D Ph I, Mahanalua Nui S/D Ph II, Mahanalua Nui S/D Ph IV, Mahanalua Nui S/D
Ph V, Makila Plantation, Makila Plantation Ph II, MAKILA PLANTATION PH III, Puunoa Subdivision

2-4-8 Olowalu Makai Komohana S/D, OLOWALU MAUKA SUBDIVISION, Ukumehame Agricultural
Subdivision Ph II, Ukumehame Subdivision

This information is provided by your Maui Real Estate Agent
Howard Dinits RS   RE/MAX Resort Realty 808-874-0600

If you would like to know more about moving to Maui or one of these subdivisions Please call Howard Dinits 808-874-0600
2-4-9 Lanai

Zone 5 - Molokai

2-5-1 Maunaloa Village, Molokai, Papohaku Ranchlands
2-5-2 Kalae Executive Estates
2-5-3 Kaunakakai
2-5-4 Kawela Plantations

Zone 6 - Kalawao

This information is provided by your Maui Real Estate Agent Howard Dinits RS   RE/MAX Resort Realty 808-874-0600

If you would like to know more about moving to Maui or one of these subdivisions Please call Howard Dinits 808-874-0600

Now is a good time to call Maui Real Estate Agent Howard Dinits your Buyer's Agent and REO Specialist. Howad Can help you with foreclosures and short sales.

808-874-0600

States With Highest, Lowest Property Taxes
Using U.S. Census data, the nonprofit Tax Foundation has uncovered where the highest property taxes in the country are paid relative to the median value of the homes. Some of the locales may surprise you.

New Jersey came in first — no surprise there — but New Hampshire, which has no state income tax and prides itself on that, had the next-highest real estate taxes as a percentage of home values.

Louisiana had the lowest median taxes compared to property values, another ho-hum finding. But the second-lowest taxes compared to values are in pricey Hawaii.

The national median for real estate taxes is 1.04 percent of a property’s value. Here’s the list of the top 10 states with the highest median real estate taxes as a percentage of median home value as well as the ranking of states with the lowest:

States with the highest taxes:

1. New Jersey (1.89 percent of property value)
2. New Hampshire (1.86 percent)
3. Texas (1.81 percent)
4. (tie) Wisconsin (1.76 percent)
4. (tie) Nebraska (1.76 percent)
6. Illinois (1.73 percent)
7. Connecticut (1.63 percent)
8. Michigan (1.62 percent)
9. Vermont (1.59 percent)
10. North Dakota (1.42 percent)

States with the lowest taxes:

1. Louisiana (0.18 percent)
2. Hawaii (0.26 percent)
3. Alabama (0.33 percent)
4. Delaware (0.43 percent)
5. West Virginia (0.49 percent)
6. South Carolina (0.50 percent)
7. (tie) Arkansas (0.52 percent)
7. (tie) Mississippi (0.52 percent)
9. New Mexico (0.55 percent)
10. Wyoming (0.58 percent)

Source: 2009 U.S. Census Data and Tax Foundation calculations

Version:1.0 StartHTML:0000000149 EndHTML:0000001080 StartFragment:0000000199 EndFragment:0000001046 StartSelection:0000000199 EndSelection:0000001046 Howard Dinits RS
RE/MAX Resort Realty
808-874-0600 Toll Free 877-434-6487
fax 877-334-6487
http://www.EasyMauiRealEstate.com
http://www.BigIslandRealEstate.com

Each of us has a personal calling that's as unique as a fingerprint-
and that the best way to succeed is to discover what you Love and then offer it in the form of service.
I Love what I do. Please let me know if you hear of someone Buying or Selling Real Estate in Hawaii.

Want to find Foreclosure, Foreclosed, Real Estate Owned, Bank Owned, Property in Maui, Hawaii? You will find a forclosed homes and condos in Kihei, Kahului, Wailea, Wailuku,

Some REO properties have dead lawns and are poorly maintained. This is not the case with Howard Dinits' REO Listings which is why REO Asset managers love listing agents like Howard Dinits. Howard has pride in what he sells so his listings are maintained and sell quickly, often with multiple offers.

Real estate owned or REO is a class of property owned by a lender, typically a bank after an unsuccessful sale at a foreclosure auction. What goes on at the auction you ask? A bank will typically set the opening bid at a foreclosure auction for at least the outstanding loan amount. If there are no bidders that are interested, then the bank will legally repossess the property. This is usually the case as the amount owed on the home is probably higher than the value of this foreclosure property. As soon as the bank repossess the property, it is listed on their books as REO – Real Estate Owned – and is categorized as an asset.

As soon as a property goes into a default or distressed status (the borrower/home owner misses mortgage payments) the bank will want to determine the amount of equity that the property has. A popular method to determine the equity is to obtain a Broker Price Opinion (BPO) , CMA or order an appraisal. Top selling REO agent in Hawaii servicing the Big Island, Oahu, Kauai, and Maui offers Free BPO's to all asset managers willing to list their property with RE/MAX Resort Realty and Howard Dinits the top selling agent in their office. Based on the amount of equity that is determined from the BPO, the bank will decide to try for a short sale or to allow it to go through the foreclosure process. If the bank is able to sell the property through a short sale or at a foreclosure auction, then the property will not become a REO property.

After a repossession and the property becomes classified as REO, the bank will go through the process of trying to sell the property on its own or obtain the service of an REO Asset Manager. The bank will remove some of the liens and other expenses on the home and try to resell it to the public, either through future auctions or direct marketing through a real estate broker. Asset Managers looking to contact REO realtors that specialize in zip codes in Hawaii to help sell thei bank owned properties often turn to Howard Dinits because of his 99% BPO to Sales Price ratio. Howard knows how to play the price is right. Generally speaking, bank REO properties are in poor shape in terms of repairs and maintenance; however, real estate investors will often go after these properties as banks are not in the business of owning homes and so, in some cases, the low price can more than compensate for the condition of the property. Investors looking to find fixer uppers often contact Howard Dinits as he is a fantastic buyer's agent. Howard has helped more than 200 families invest in Hawaii, on all islands Oahu, Big Island, Maui and Kauai.

Once a property is REO, the bank or lender will try to dispose of the property by either selling it directly themselves or through an established business relationship that they have with asset managers and REO agents like Howard Dinits RS. Many larger banks such as GMAC, Litton, Greentree, Capitol One, Bank of America and Wells Fargo have REO/asset management departments that will often hire Howard Dinits because of his outstanding attention to detaill and 99% BPO to sale price ratio. All REO properties that Howard Dinits lists are on the open market will be listed in at minimum 2 MLS systems by Howard Dinits the REO Real Estate agent who performed the BPO.

As a listing agent Howard Dinits may be asked to rekey the home, provide Free BPO's, weekly property inspections, pay any outstanding HOA fees, pay the uility bills, maintain the property, evict the occupant, rekey the property, and most of all sell it in 16 days or less and get multiple offers.

Howard Dinits is committed to being the best there is, so if you are an Asset manager loking for an agent that gets it done and knows how to communicate, please call me at 808-874-0600

If you area  buyer and made it to the end of this post, I want to be your agent. Please call or write, so we can get started.

Below is a list of zip codes Howard services for REO Asset Managers.

(includes Maui, Lanai, and Molokai)

Kauai County Zip Codes

Oahu Zip Codes

What is the zip code for places in Hawaii ?

MAUI REAL ESTATE MARKET UPDATE SEPTEMBER 2010 HAWAII

The most recent available economic indicators for the island of Maui demonstrate the island's robust recovery and consistent positive trends propelling broad based growth and market expansion.  These trends continue to validate the tremendous opportunity the development of Nu'u Aina presents.

 

Some of the significant highlights for the island of Maui are:

• Single family home sales volume increased 37% for the year over the same period in 2009. For the Wailea-Makena market area, sales increased 100%, while the Kihei market had a 53% increase during the same period.
• Condominium sales volume increased 52% over 2009, that included a 84% increase in Wailea-Makena and a 86% increase in the Kihei markets.
• Single family home prices island wide rose 5% over 2009 prices. In this same period, the Wailea-Makena markets prices rose 20% while Kihei grew by 12%.  The Wailea-Makena markets showed exceptional resilience with a 10% price increase while the Kihei condominium market softened even with the uptick in sales with a 12% price decrease.
  
  
• Through July of 2010, total visitors to the island of Maui rose 7.8% to 1,222,703 with visitor expenditures up an impressive 16.4% representing $1.74 billion in consideration. Visitor growth has come from the top four markets the State draws from, a demonstration a broader global economic recovery.
  
• Through June, Maui's hotel occupancy increased 12% over the same period in 2009 with a RevPar that mirrors the visitor expenditure growth.
  
• Interisland freight shipping is trending upward towards its peak volume experienced in 2007
  
  MAUI REAL ESTATE MARKET UPDATE SEPTEMBER 2010 HAWAII