Hawaii Local Lender vs. a National Lender

Is Hawaii-based contacts for real estate needs are better than a nationally based contact for things such as lending?

Here in Hawaii, so many things happen to work a touch different for Hawaii real estate than nationally. It happens to be from our history here, we’re also an island chain, and our placement within the country is different too as the last state. The interesting question we often get as Hawaii real estate agents is if Hawaii-based contacts for real estate needs are better than a nationally based contact for things such as lending.

The real answer is – it depends. 

National programs available to so many of our Hawaii real estate clients do service the client in a more advantageous way contingent on  your circumstances. If you are a veteran, the services and programs available to you are different from a non-veteran and that can give you different options. Say you are a first time home buyer, additional programs would be available to you opposed to another seasoned Hawaii real estate buyer. The gist of the contacts made available for your real estate needs are dependent on who you are as a buyer and where you are purchasing. Different real property types (fee-simple, agricultural exclusions, etc.) all apply to Hawaii real estate and every district is different.

The options available to you as a buyer in terms of Hawaii-based contacts involved in Hawaii real estate and nationally-based contacts are important to know.

It is for these reasons that having a great Hawaii real estate agent is crucial to your home buying success. Processes can be expedited contingent on the circumstances, you could potentially be provided with information that may not be readily available to you, and the best possible package for your home buying is there to help you.

Hawaii real estate is such a large industry due to how different it can be versus the national market and each island has its own differences than each other as there are layers to what is available to you for options. Knowledge is power and linking up with a Hawaii real estate agent can make all the difference for you!