First Hawaiian Bank is here to guide you through the home buying experience

Sponsored by First Hawaiian Bank

The current real estate market is hot, giving sellers the advantage. They receive multiple offers on the same property, causing home buyers to feel exhausted and discouraged when they’re outbid. It’s important to have a team that will prepare you to make a solid, strong offer.

Paulette Suzuki, AVP and Private Mortgage Banking Loan Officer with First Hawaiian Bank, says making things personal can help your offer look more appealing. It’s also important to learn what you can qualify for. If you can obtain a prequalification, your realtor will better understand what can be considered when viewing homes or condos. It also saves time when you’re ready to make an offer on a property.

Recently, appraisals have been coming in short, which means buyers must make up the shortfall with their own cash. This is not considered part of the down payment and can become very costly. It may be helpful to include an appraisal gap clause in your contract, which is something your lender can discuss with you if necessary.

Cash buyers can make purchasing a home discouraging, but Paulette says your team of professionals will get you to where you need to be. “There is one seller out there that is going to be hopeful to make your dreams come true,” she says.

First Hawaiian Bank is one of the largest local lenders in Hawaii. They’re dedicated to offering numerous mortgage programs, products, and services to meet their customer’s needs. More importantly, First Hawaiian Bank’s large team of experienced loan officers will assist you in your homebuying journey to make it as convenient and comfortable as possible. For more information, please visit!