All Blog Entries by Teresa Nelle RS-60797

There are currently 4 blog entries published by Teresa Nelle RS-60797.

Its very important to know your credit score and obtaining a recent copy of your credit report.  You want to make sure all the information listed on your report is accurate and work to correct any mistakes. The higher your credit score, the more likely you will be to receive a better interest rate for your mortgage, which will translate into more ‘home for your money.’

Many potential buyers believe that they need a 750 FICO® Score or higher to be able to purchase a home. The truth is that according to Ellie Mae’s Origination Report, over 53% of loans were approved with a FICO® score under 750 last month!

Here are some tips for improving your credit score:

  • Make payments, including rent, credit cards, and car loans, on time.
  • Keep your
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You may have heard the term "Maui No Ka Oi" - it means "Maui is the best" in the Hawaiian language.  Here is a little history lesson for you - when visiting the islands, you may hear some of these terms.

Here are a few Hawaiian expressions like Maui no ka oi to learn during your stay!

Aloha kakahiaka – Good morning

Aloha ke akua – God is love

E komo mai – Come in, welcome

Aloha nui loa – Much love, fondest regards

Komo mai e noho – Come in, sit, rest

A hui hou – Goodbye, until we meet again

Malama pono – Take care, be right

Ke Akua pu a hui hou – God bless you and see you later

E pili mau na pomaika’I ia ‘oe – May blessings ever be with you

Ka makani ‘olu ‘olu – Refreshing, perfect wind

Mai ‘ai – Come and eat

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This year I was a Parade Marshall for the Halloween in Lahaina Keiki Parade.  With the name "Parade Marshall" written across the back of my shirt, I was afraid they'd be handing me a battan and whistle - not so - I don't have that much power.  My job was to make sure none of the wee ones wandered off from the parade route.   As instructed, we gathered at the N. end of Front Street to line up for the parade.  Right on schedule for the 4:30pm start time, we began the parade at 4:50pm Hawaiian time.   The plan was that the smallest keiki by age bracket would fall in behind the Lahainaluna Marching Band.  Well, it was alot like herding cats - no organization, everyone at every age joined in the festivities, parents included.  There were so many…
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Aloha,

Memorial weekend…the unofficial start of summer. BBQ’s, picnics and family gatherings. During this weekend, be sure to take a moment to remember a Veteran who served to protect us and the great country.

Rates are down a touch this week as the 10-year treasury yields eased. Since it is Memorial Day, I wanted to remind you the benefits of a VA Loan.

  1. No money down
  2. Lender or seller credit for costs so Veteran brings in zero dollars to close
  3. Unlimited loan amounts. Did you know that? We just funded a $2 million VA loan.
  4. Higher qualifying ratios allowed.
  5. Detached condos don’t need to be approved by VA like regular condo projects
  6. A Veteran with a disability of 10% or more will not have a funding fee.
  7. A Veteran can you their
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