If you are puchasing all cash, you can skip this step.

Use our Home Affordability Calculator to determine your approximate budget. You simply enter a few numbers and it instantly calculates how much you can afford using the 2 most popular methods, the Housing Ratio and the Debt Ratio. With these figures you could begin looking for homes that fit your preliminary budget.

Since sellers like to see at least a loan pre-qualification with your offer it's a good idea to apply for a loan now. It takes banks a little time to process your request. You can complete the Fannie Mae Uniform Residential Loan Application securely online or download the pdf and fill it in offline.

After you receive a loan pre-qualification letter you should ask the bank to continue processing your application and give you a loan pre approval letter. A loan pre approval letter is more solid than a pre qualification letter and it makes your offer even stronger when compared to other offers without one.

It's a good idea to shop for a loan. It could save you thousands of dollars. The Fannie Mae Uniform Residential Loan Application simplifies this process since all banks accept the same form.

We can help you simplify your loan application and get the lowest APR at no additional charge.

Can you imagine purchasing a large block of stock without knowing the latest DJIA or NASDAQ index trends, trading volumes and stock prices?

A home purchase is much bigger, probably the largest purchase a person makes in their lifetime. According to the Federal Reserve, "... real estate represents roughly two-thirds of [home owner's] overall assets... real estate remains the cornerstone of most household asset portfolios..."

Only we provide you with the latest pricing and sales information with our inter-active real-time Honolulu City and County Real Estate Market Statistics and Charts. Our charts are updated daily. You can inter-actively select your property type, region and data series. No other real estate broker, website or even the Honolulu Board of Realtors gives you this advantage over sellers and other buyers competing for the same properties.

Otherwise you are running "half blind" using the alternative, HBR information published monthly, 10 days after the end of each month which means basing your decisions and strategy on information that is an average of 55 days old.

We have the largest database on Honolulu City and County Real Estate. It contains a 170 million pieces of information. Our public records begin with 1933. Our MLS records begin with November 1991. The database is synchronized and reconciled hourly. The database contains all available fields of information, which we provide to you in the form of a two column property detail report - so you can quickly spot errors, omissions or inconsistencies.

Our listings details are linked to several additional databases such as the Department of Permits and Planning, Honolulu Real Property Tax Division, Tax-Plat-Easement Maps , Bureau of Conveyances, NOAA Tsunami Maps, DCCA Public Reports, FEMA Flood Maps, Condo Docs and Leasehold Disclosures where available.

The database contains not only Condos and Single Family Home listings but it also contains Multi-Family Homes, Rentals, Commercial and Businesses for sale listings.

To drill down on database we provide 4 search mechanisms:

MLS Detail Search. Select from as many fields as you wish from all MLS data fields. You can create a search as simple or complex as you wish. Any fields you don't set will be ignored or "wild-carded". You can set property type, location, status, price ranges, size ranges, date ranges, feature inclusions or exclusions with AND · OR · NOT. If you enter an MLS number in the "Other" category, that over-rides all other parameters. A weakness in the MLS search is due to the condition of the underlying data. The local board does not enforce spelling rules. Often agents mis-spell or mis-categorize neighborhood names, building names, street names, city names, school names or zip codes within listings. There could be 10 different ways a street name is spelled in the MLS. Sometimes they omit facts that are in the Public Record. To eliminate those issues we suggest you also use the Public Record search. Tapoffer.net is the only site providing you with a property search by Public Record.

Public Record Detail Search. Select from as many fields as you wish from all Public Record data fields. You can create a search as simple or complex as you wish. Any fields you don't set will be ignored or "wild-carded". The benefit of creating a Public Record Search is that the State enforces spelling rules so there is only one way a subdivision, project, street or zip code is spelled. Additionally, the State-Public Record rarely mis-categorizes a project, street, city or zip for a given property. So, when you create a public record search on a particular building, for example, you are pretty much guaranteed your search results will be complete.

Ajax drop down match search. This is the most common type of search mechanism found on Real Estate websites. When you start entering a word, a drop down list of matches begins to form. You select the best match prior to clicking the submit button. The advantage to this type of search is that you know you will get some results before you click the submit button.

Full Text BM25 Search. This is the search algorithm used by the major Internet Search Engines such as Google, Yahoo and Bing. You can enter search terms in the search field in any order and not necessarily spelled correctly. When you click submit you'll get search results that Best Match the terms you submitted ordered by relevancy. Ours is the only site that gives you this powerful type of search capability on Honolulu Board of Realtors MLS data.

You can search anonymously. When not registered, your search is saved to a cookie so you can return to it at a later date or time and pick up where you left off. Other brokers require you to hassle with registration before you can save any search.

Alerts

Other brokers offer weak or non-existent Alert systems that will notify you only once daily on properties that have price changes, possibly new listings or maybe open houses. tapoffer.net checks hourly for new listings, price changes, open houses, new photos, status changes and solds. You can chose to be notified by email or text.

The most successful buyers become aware of a good deal as soon as it hits the market and respond immediatly with a compelling offer.

In order to activate alerts enter your email address at the bottom of the search page. If you'd like text alerts, enter your phone number too. Although your search will be saved to a cookie on your web browser you should bookmark the link that appears so you can return to your saved searches in case you delete the cookies history on your web browser.

Multiple saved searches. You can add more searches by clicking the + icon. You can also edit or delete searches.

Listing Details

Our MLS details includes a column with Public Record specs. That way you can quickly spot differences in rooms, square footages, project names, taxes or loans which might bring errors, omissions or unpermitted construction to your attention.

Because this record includes all data fields in the MLS and Public record you get a clearer picture of the property. That helps you zero in on properties that closer match your lifestyle criteria and not waste time looking further at properties which can be immediatly ruled out.

There are links to rich external data sources such as Public Reports, Easement Maps, Parcel Maps, Floor Plans,DPP permits & zoning records, FEMA flood maps, Tsunami Maps, Property Tax Records, Condo Docs and Leasehold Disclosures.

It also contains a calculation of what it would cost to buy . It also sums up the current basic monthly costs of owning the property.

Instant Offer

When you are registered, you can tap to make an Instant Offer.

It only takes a few seconds for the aritificial intelligence to collect the necessary information, make various decisions that human real estate agents would usually make and pre popluate a complete offer purchase contract with addendums on Hawaii Association of Realtors forms.

You may then review the offer in both HTML/Web Page format or directly on the HBR forms. You can edit any of the variables or conditions.

When you've finished reviewing the contract simply check the box on the last page to initiate the Broker's review.

We are open 24/7 and will review your offer promptly.

Next, expect to receive the contract via Email for your electronic or manual signature.

There is no additional work on your part, it's just simpler, faster and more consistent than using a human realtor to create your offers.

Generating an offer with a human agent usually takes hours or even as much as a day. You have to track down your agent and communicate the terms of your offer. Your agent might be in a meeting, have a schedule to work around. Then they write your offer. They might have additional questions so there could be some back and forth. And eventually your offer is written. Meantime the buyers using our system have already won acceptance.

Being the first to submit an offer on a new listing that was offered at the right price increases your chances of winning acceptance ten-fold.

Better get registered now (if you haven't already) so when that fantastic deal comes along you'll be empowered to capture it.

Instant Offer functionality is a big deal that the industry wasn't expecting for another 10 years. We are the exclusive broker to be doing it anywhere in the country.

You want to avoid missing any dates as that can be construed as a breach of contract which could give the seller rights to cancel the purchase contract.

You also want to be aware of the various dates where you can unilaterally cancel the contract.

A sample of our escrow management system is shown below.

It contains a list of all tasks required, referenced by purchase contract paragraph number, their respective due dates and whether it's the buyers or seller's task.

Hyperlinks to executed documents are provided so you can easily view the associated supporting document.

This calendar task list is a tool that helps you stay in control of the transaction through closing.

To summarize you'll have more information, simpler methods and faster reflexes than any other broker's buyers:

• The easiest way to apply for a loan and assistance getting the lowest APR
• The most up to date marketing knowledge; real-time inter-active statistics and charts, all MLS and Public Records sales & free CMA
• Access to the largest and most up to date MLS and Public Records database
• More search methods than any other broker including Okapi BM25 Full Text Search, Public Record Search and access to all MLS fields in your search
• The most comprehensive Alert system including new listings, price changes, new open houses scheduled, status changes, new photos and solds
• Instant Offer. Artificial intelligence that can create your offer in a few seconds 24/7

How it works:

Select Your Address

The first page is for your street name. The 2nd page will prompt the street number. And if it's a condo there will be a 3rd page for you to select your unit number. In less than a minute your listing paperwork is pre-populated.

Review Listing Summary

The Listing Agreement is filled in from Public Records and MLS data in accordance with Broker programmed algorithms. It contains general property and owner identification as well as your list price, service level and other listing terms. Request a free Estimated Market Value on your home to see whether or not you are ready to price it to sell.

Our fees range from 1.5 to 2.5%. You'll get better results than you would if you paid the customary 6.0% rate. Last year I was ranked in the top 2% of sales, all my listings broke price records and they all sold quickly.

Verify your property information

Review it. Sometimes there are changes to the property that have occurred since the last Public or MLS record was posted. Optionally you may add your own Value Story.

Upload media

If you want to use your own media, you can upload 22 high resolution photos, 5 photospheres and 5 youtubes. Otherwise, they may be included in your service level.

Tap or click Seller's Disclosure

The Public Record Information is already added. You are required by law to complete the rest. I've simplified that by providing you with radio buttons, select lists and links to answers for some questions asked in the forms. That's so you don't have to fill in the answers manually or wonder where you are going to find this information.

Marketing

Review Marketing, Advertising, Promotions and Commissions below:
You can monitor the status of your marketing campaign online.

Counter or Accept Offers

Together, using art and science we negotiate the best deal for you. If there is Dual Agency Representation then I am bound by additional rules.

Stay on top of Escrow

Log in periodically to review your escrow task list with due dates and links to documents. Make sure you are performing your obligations on or before contractual due dates to avoid giving the buyer a window to cancel the contract. That may include delivering Section C Leasehold Disclosure Docs, Section E Inventory List, Section I Seller's Disclosure, Section K Staking or Survey, Section L Termite Report, Section M Condo Docs or Section N Rental Documents by the deadlines specified in the Purchase Contract.

Closing day

Check your bank account for the net proceeds.

Click here to take the next step toward the simplest way to get the most money for your home.