“What’s the first step in buying a home?”

The first step is getting pre-approved by a lender. This gives you a clear idea of your budget and shows sellers you’re serious when making an offer. I can connect you with trusted local lenders if you need recommendations!

“Can I get a loan on a property in a lava zone?”

Yes, but it depends on the lava zone. Properties in Zones 1 & 2 may have limited financing options, and not all lenders will work with them. Zones 3 and higher are more commonly financed. I can help guide you based on the location and lender requirements.

“What is catchment water, and is it safe?”

Catchment systems collect rainwater for household use and are common in rural areas. With proper filtration and UV systems, the water is safe for daily use. I can recommend professionals to inspect or upgrade catchment systems when buying or selling.

“What are the risks of buying a home in Hawai‘i?”

Hawai‘i has some unique considerations—like lava zones, termites, hurricanes, and volcanic air quality (vog). I help clients understand these risks and navigate inspections, insurance options, and disclosures to protect your investment.

“Are there restrictions on foreign or mainland buyers purchasing in Hawai‘i?”

No, anyone can buy property in Hawai‘i, including non-residents. However, non-resident owners may be subject to HARPTA (Hawai‘i Real Property Tax Act) withholding when they sell.

“What is HARPTA and FIRPTA?”

HARPTA and FIRPTA are tax withholding laws that may apply when a seller is not a Hawai‘i or U.S. resident. These laws ensure taxes are collected at the time of sale. I work with escrow and tax pros to ensure sellers are prepared for this.

“Is it better to rent or buy in Hawai‘i?”

Buying in Hawai‘i can often be more cost-effective long-term. Rents are high and rising, and buying allows you to build equity and stabilize your housing costs—especially with local loan programs and lower down payment options.

“What’s included in your services as a buyer’s or seller’s agent?”

As your agent, I guide you through the entire process—from listing or searching, all the way to closing. I handle pricing strategies, negotiations, paperwork, and ensure everything is legally sound, while also being your advocate every step of the way.

“How much does it cost to work with a buyer’s agent?”

As a buyer, you typically don’t pay out of pocket for agent services—the seller usually covers that commission. It’s one of the biggest perks of working with an experienced agent early on in your home search.

“What makes the Big Island real estate market unique?”

We have a wide range of property types—from lava zone rural lots to oceanfront estates. Things like catchment water, off-grid living, and lava zones are normal here, and I help you navigate it all with local expertise.

“What are common mistakes buyers and sellers make?”

For buyers: Not getting pre-approved before shopping, or overbidding without understanding the market.

For sellers: Overpricing, skipping home prep, or not being flexible on showings. I help avoid these issues with proactive planning.

“Do I need 20% down to buy a home?”

No! There are loan programs available in Hawai‘i where you can put down as little as 0–5%. VA, USDA, FHA, and first-time buyer programs may be options for you.