How to Buy in a High Interest Rate Market

The Big Island of Hawaii is still a seller’s market. But, there are wayyy fewer buyers due to the higher interest rates. How can a buyer still buy, yet skip what feels like a high interest rate? LOOK FOR SELLERS WHO WILL BE YOUR BANK! There are seller’s who need to sell their properties right now, yet don’t need all the money in their bank accounts. Look for listings that promote PMM – Purchase Money Mortgage, and Agreement of Sale options. What does this mean to a buyer?

To a buyer, it means the seller will hold the paper on the purchase. You will pay the monthly mortgage directly to the seller rather than the bank. It means a lower interest rate. It means you can get into your dream home NOW rather than wait for interest rates to come down. It means no appraisal on the property, no intense qualification hoops to jump through, a negotiated down payment. It also means options like balloon payments, no pre-payment penalties, and other negotiating factors that can mean the difference between getting what you want and need…or not!

I currently have sellers offering seller financing! This can be a game changer! Ask me how I can help you find the home of your dreams at the interest rate YOU can afford!

What Clients Are Saying

“My experience with Jen was great. After a few conversations with her explaining my goals and what my wife and I were looking for, she got to work to find us numerous listings. Throughout the process, Jen was frequently available and quick to respond.”

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Jen McGeehan, RS-80881

Phone: 808.747.2365
Email Jen

I am an adventurer by heart, never letting too much dust settle under my feet. My latest adventure began in 2018, successfully merging over 46 years of varied work and life experience into a real estate career that focuses on the goals and dreams of my clients. Now, as a top 5% Coldwell Banker Realtor®, and two-time recipient of the coveted International President’s Circle award, I am so grateful I took that leap of faith!

LIVING THE HAWAII LIFESTYLE is living the dream! How can I help you purchase (or sell) a little slice of our heaven?

2021 & 2022