George Thoma with Island Lending Hawaii Blogs

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Mortgage and Lending - Island Lending Hawaii, LLC | Equal Housing Lender | NMLS 312250 - NMLS# 312260 / 1460208
RECENT BLOG POSTS
First and foremost, I want to thank every Maui Veteran for serving our Country. It is an Honor and privilege to help you!In our Maui County, we have over 9286 Active Military ( US.Census from 2012-2016 ) and Veterans that served our Country one point in time. Many of them are retired or moving to...
01/28/2018
Within this Blog, I like to explain the first Step of the Purchase of a Home. Find a Licensed Loan Officer that can Pre-Qualify you for the amount you can Afford or on your Income and willingness you like to spend every month. Not everyone can place a 20 or 30% downpayment on a Home. Matter fact ...
01/28/2018
Given Maui's median home sale price of close to $700,000, which would most prefer, a brand new one with new home warranty or one about 30 years old sure to need some work before long.  It's a real question because Maui's median residential sale price for all of 2017 is reported at $695,000.  Don...
01/27/2018
Aloha Maui Friends, I had a great conversation with Marcus W. Springs, a Licensed Realtor with Jeff Griffin LLC. in Wailuku Maui Check out his Foreclosure list Maui Red List  Marcus focus foremost on Foreclosures on Maui. He and his Partner Jeff Griffin are the experts for Foreclosures and Forecl...
01/26/2018
The newly formed Veterans Association of Real Estate Professionals (VAREP) Maui Chapter, George Thoma is on a mission to help veterans and their families realize their dreams of homeownership.And it’s a personal mission: Thoma’s son is a machinist in the U.S. Navy, and his son-in-law, a U.S. Army...
01/18/2018
 You started the year motivated to buy a home by getting your finances in order and raising your credit score. But then the holidays hit, and you get off track. Maybe you dipped into your down-payment savings or added debt to your credit cards.While not the best choice when you’re looking to buy ...
01/18/2018
Conventional vs. Government Loans FHA, VA, and USDA mortgages are government loans. All other mortgages are conventional loans. FHA loans are administered by the Federal Housing Administration (FHA), part of the U.S. Dept. of Housing and Urban Development (HUD). FHA administers mortgage loan prog...
01/17/2018
Lenders use the FICO Score to help them determine the terms, conditions, and amount of your mortgage loan. The data that FICO considers in calculating that credit score falls into five categories, with the following average weightings...  Payment History--35% How you've handled credit cards, ret...
01/17/2018
Currently, in 2017 you are exempt from Capital Gains Tax when you sell your Primary Residence in which you have lived at least 2 Years.  A Married Couple is exempt up to $500,000.00, and a Single person is exempt for $250,000.00.  The Home must be considered a "Primary Residence" based upon the I...
12/14/2017
VAREP Maui Chapter Presents,The Newly formed Veterans Association of Real Estate Professionals  ( VAREP ) Maui Chapter is holding a Lunch and Learn on September22nd 2017 from 12 PM to 2 Pm at the Real Estate Association of Maui, 441 Ala Makani Place, Kahului, Hi 96732 . This Education Seminar is ...
09/17/2017
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George Thoma

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