Joining this series will give you priceless information you need to reach your goal of homeownership. I will be sharing with you from start to finish of the homebuying process, to ensure you will know what to expect, and help you prepare to secure the best future for you and your family.

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September Zoominar

Back by popular demand!

Register Here – Registration will end on 9/23/2022 12 noon.

Come and join me virtually, where you will learn how to from a renter to a owner. I will also be giving you an insight to exclusive programs to make your offer shine!

Who should attend?

Anyone who…

• is tired of RENTING…
• has thought of purchasing a home in Hawaii
• would like to learn homebuying preparations
• would like to learn about down payment assistance & our EXCLUSIVE buyer advantage programs

Servicing all of Hawaii for over 23 years, “Making a difference in the lives of others”

Are you an associate in the business? I would love to meet and chat with you regarding how these programs can bring you and your clients success!

The post Renters to Owners Zoominar- Sept appeared first on Christie Mitsumura Blue Seas Team.

Enter, MasonMac’s Lock & Shop loan program.  With our Lock & Shop product, home buyers can lock in their interest rate for an extended period of time prior to identifying a property.  This is a great benefit to buyers because they can take the time to find the right home without the pressure of a rising rate environment weighing on the decision making process.

So buyers are protected from volatile rate increased while shopping for a home, but what if rates improve while they look for a home?  Wouldn’t the locked rate then be a bad thing?  MasonMac has you covered!  Our Lock & Shop product features a 1 time float down option, so if the market improves, our customers are able to take advantage by choosing to exercise the float down option within 30 days of their settlement to take advantage of the improved market.

With the float down function, MasonMac customers get the benefit of both protection from rising rates and the ability to take advantage of an improving market, offering some peace of mind to what can be an otherwise stressful home buying process.

When considering buying a home, we think you’ll love the options we present – with long term locks, this Lock & Shop program, and our Buyer’s Advantage process, we put our customers in the best place for a stress-free house hunting and home buying process.  Add to that our highly experienced team of loan officers ready to assist with in depth product knowledge and armed with the technology to streamline the loan process, and home buyers are in the best of hands when working with the team at MasonMac!

The post Mason Mac’s Lock & Shop Loan Program appeared first on Christie Mitsumura Blue Seas Team.

With Buyer’s Advantage, MasonMac not only preapproves customers through a fully documented vetting process, they actually submit a preapproval file to an underwriter for review.  This means underwriting approves the buyer for a predetermined purchase price, issuing an approval (read that again – not a PREapproval, but an APPROVAL) to purchase a home!  This is extremely important for sellers because with financed offers, many fall out due to a failure in the financing.  This is why ‘cash’ is often a preference amongst sellers, even though cash buyers often come with lower offer prices or a boatload of contingencies of their own.  With MasonMac’s Buyer’s Advantage program, buyers relying on financing are as strong as cash, since the only things not yet approved are property related.

Yes, that means that with an appraisal (unless there’s a MasonMac appraisal waiver!), title work, insurance, and any other property-related documents (HOA documents, for example), it’s on to the closing table with minimal processing times.  This allows our buyers to move faster, and give sellers the assurance that not only are they a serious buyer, but they’re a buyer that has very slim chances of not making it to the closing table, and making it there on time.

For our real estate partners and the agents of our customers, this also adds a layer of assurance when it comes to crafting a competitive offer!  Need a fast closing?  Well, with Buyer’s Advantage, the time from signing a contract to closing is drastically reduced.  Need to offer without a financing contingency to be more competitive?  While we never recommend waiving protective contingencies, where it’s needed, there isn’t much a buyer can do to be more assured than to have our Buyer’s Advantage approval certificate.  This gives our buyer customers and their agents additional layers of assurance that when it comes to the financing, the job will get done and get done fast!

“2 weeks?!?”, the agent on the other end of phone proclaimed.  Yes, as long as we can get the appraisal and title work back with a few days to spare – our buyer’s advantage program is making lives easier for buyers agents and adding additional assurance to sellers and listing agents that with our offers, the financing is as good as it gets in terms of getting done and done on time.

How does Buyer’s Advantage work?

As with a normal pre-approval, buyers need to apply with their MasonMac loan officer, and from there, the loan officer and their team will request any and all documentation needed for buyer’s advantage, then pass the loan to an actual underwriter for approval, before a property is even located!.  This does mean that the earlier in the process your loan officer is involved, the better!  Our underwriters are working hard to keep turn times FAST, but reviewing a complete file takes time, so requesting Buyer’s Advantage the same day an offer is being made doesn’t do anyone much good – but when you (of if you’re an agent, your clients) know you’ll be buying a home in the near future, getting in touch early will allow us to give you a Buyer’s Advantage certificate to submit with your offer.

Of course, other contract terms are important – price, the timing of closing, contingencies, and other aspects of your offer are all important considerations for a seller, but all other things being equal, Buyer’s Advantage offers a sure thing amongst other offers that may just have standard preapprovals or (worse) prequalifications, and will certainly stand out from those buyers who have chosen to make offers without a preapproval.

Want an advantage in today’s market?  Contact me TODAY about MasonMac’s Buyer’s Advantage program today!

The post Giving Our Buyers the Edge with Buyer’s Advantage appeared first on Christie Mitsumura Blue Seas Team.