Help Me With Sign Hawaii Banking Document

Help me with industry sign banking hawaii document simple

for young people and single income families buying a home can seem like the impossible dream but the Hawaii homeownership Center has helped nearly 2,000 members clothes mortgage loans and they're called members for a good reason it's a program that takes commitment on your part as well so are you ready to take that first step our core mission is to provide education and one-on-one coaching to families aspiring to become homeowners in the near future the coaching they receive is unlimited so there's a lot of hand-holding that is needed and we provided our services are for anyone and everyone of any ethnicity or income level that just wants to know about the home buying process all the ins and outs of that knowing what to expect and Realtors have come back to us and commented that their closings go faster their smoother because our members pretty much know what to expect every step of the way there is a one-time 60 dollar fee for lifetime membership and it is lifetime because we provide more than just a curricular for the homebuyer sometimes people want to come back for a refresher because they're thinking about refinancing or investing or buying up into a larger home my name is Dale Thome I'm the education coordinator for the Hawaii homeownership Center I do the education classes so I do the orientations which is a one-hour overview of our services and it's mainly to help families understand what to expect when they come to the center with regards to the financial coaching as well as the homebuyer education classes that they would be taking from the center there's a misconception for families that come to the center that they think they need to be low-income and we really help anybody interested in becoming a homeowner in fact we've had some families that actually decided that homeownership isn't the best option for them and we place a heavy foundation money management as well as working on their credit so even for families that decide not to purchase the money management aspect as well as staying on top of their credit benefits them in a rental situation as well the first step would be to sign up for an orientation which is an overview of our services they can either go to our website or give us a call register for the orientation and again it's a one hour overview of our services and we'll talk about again the financial coaching we'll talk about the different homebuyer education classes which consists of nine hours of education they they break up into five modules one being money management understanding credit getting a mortgage shopping for a home and learning about different types of insurances oftentimes people think about how I'm going to be buying a house it's probably the biggest investment in their life it can be overwhelming you're gonna be talking to a lender you're gonna be talking to a real estate agent there's insurance involve an escrow company and oftentimes me home buyers are a little frightened by that situation so we break it down into bite-sized pieces we start our very basic and we try to relate it to things that they already know from very basic and we're slowly building with within each piece of the education as nine hours total but it's ultimately it's it's fun I often times they get competitive because we do do the exam as a game so you could get your homebuyer education certificate by the end of six weeks and that certificate actually is typically a requirement for any type of assistance so it could be for downpayment assistance a government grant towards first-time homebuyers some new development whether it's affordable oftentimes it's being subsidized from some type of entity and they will want the homebuyer education escrow companies may actually give a discount if you have completed the homebuyer education towards escrow fees my name is Reina Miyamoto I'm the assistant executive director here at the homeownership center and I do a little bit of everything so in terms of operation some administrative functions making sure here bills and all those kind of fun stuff a little bit of fundraising activities I work with the staff and also some of our clients they do some direct service work as well the individual coaching is actually personalizing what you learned in the class so it's actually having one of our staff take a look at your finances do kind of an estimation of your mortgage readiness and qualifications for home ownership assistance programs and you know when we meet with our members it's really about taking a look at not just the stuff on paper but also getting to know them and putting all of that information into context so we can create an action plan fundraising for us comes through some fun events that we try to offer not only fun but networking opportunities to all different segments of the business community through a golf tournament we have in August and a leavers of neighbors food and wine event in November our 11th annual we call it chip in for homeownership golf tournament is gonna be on August 23rd which is a Thursday at Pro Country Club home street banks gonna be our title sponsor for the 11th year which is really awesome we really appreciate their support there's you know food stations along the course there's drinks and you know whole bunch of games too that you can play so pretty much you pay for your team fee whatever sponsorship level that you want to participate in and that's it the lunch all the games all the food snacks and all that kind of stuff is all included flavors of neighbors is a new event so it's are gonna be our second annual flavors of neighbors event it was created with the idea that you know most of our homeowners become parts of different neighborhoods so we want to showcase flavors of different neighborhoods so these are all local restaurants all over the island I think the gratification that comes with our job is especially when we worked with families that worked so hard for so long and they've stayed the course and a lot of people would say forget it it's taking too long it's not gonna happen and you know they can spend their money on something like a trip to Vegas or a nicer car or whatever it is but you know instead they you know they stay the course and it's pretty powerful when I met with some couples and they're leaving and on the way out they said gosh you know what I actually feel rich not that we're really rich but I never thought that I could save that on much money but just by having a goal and you know working together with a significant other you know that the bank balances grow and just the apartment I believe that there are many many families who dare not dream of owning their own home because they think they don't qualify they may come from generations of family that have been renters and it's very difficult to be the first in your family in anything you know going to college or trying out for sports homeownership can be viewed that way and my message is that you don't know what you don't know until you come to Hawaii homeownership Center and then you'll be better prepared owning a home in Hawaii may not be out of reach if you're thinking about buying a home the Hawaii homeownership Center can help the homeownership center guides hundreds of Hawaii residents every year with assistance programs budget management and more if you're committed to it you can be happy homeowner just like the Hawaii homeownership center is a non-profit group that shares the vision of local homeownership classes are starting near you call or logon today and make that dream come true