{"id":3549,"date":"2021-02-08T08:55:13","date_gmt":"2021-02-08T18:55:13","guid":{"rendered":"https:\/\/pennhenderson.com\/pennhenderson\/?p=3549"},"modified":"2024-04-01T08:57:09","modified_gmt":"2024-04-01T18:57:09","slug":"15-steps-to-buying-a-home-on-the-big-island","status":"publish","type":"post","link":"https:\/\/pennhenderson.com\/15-steps-to-buying-a-home-on-the-big-island\/","title":{"rendered":"15-Steps to Buying a Home on the Big Island"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3549\" class=\"elementor elementor-3549\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-48c867e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48c867e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df113ae\" data-id=\"df113ae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5bd56ba elementor-widget elementor-widget-heading\" data-id=\"5bd56ba\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">LOOKING TO BUY? Utilize these 15-STEPS to help simplify the home buying process and gain a better understanding of how to buy your Big Island home with Kona REALTOR\u00ae, Penn Henderson (RS).<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccafa27 elementor-widget elementor-widget-text-editor\" data-id=\"ccafa27\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<div class=\"elementor-element-overlay\">If you are new to the home buying process, it can seem a bit daunting at first. Even for those who have purchased property in the past, there is a lot to remember. Buying real estate is no walk in the park, but it shouldn&#8217;t be difficult or stressful for you either.<\/div><div>\u00a0<\/div><p>Utilizing these 15-steps will help wrap your mind around things. If you have any questions while reading through this, feel free to reach out to <a href=\"http:\/\/pennhenderson.com\/contact\/\">Kona Realtor\u00ae, Penn Henderson.<\/a> And should you ultimately decide to buy property here on the Big Island, you would be hard-pressed to find a more committed and skilled professional to partner with than Penn.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-2610bc3 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2610bc3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-30842dc\" data-id=\"30842dc\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-782c48d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"782c48d\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-tasks\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M139.61 35.5a12 12 0 0 0-17 0L58.93 98.81l-22.7-22.12a12 12 0 0 0-17 0L3.53 92.41a12 12 0 0 0 0 17l47.59 47.4a12.78 12.78 0 0 0 17.61 0l15.59-15.62L156.52 69a12.09 12.09 0 0 0 .09-17zm0 159.19a12 12 0 0 0-17 0l-63.68 63.72-22.7-22.1a12 12 0 0 0-17 0L3.53 252a12 12 0 0 0 0 17L51 316.5a12.77 12.77 0 0 0 17.6 0l15.7-15.69 72.2-72.22a12 12 0 0 0 .09-16.9zM64 368c-26.49 0-48.59 21.5-48.59 48S37.53 464 64 464a48 48 0 0 0 0-96zm432 16H208a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16h288a16 16 0 0 0 16-16v-32a16 16 0 0 0-16-16zm0-320H208a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16h288a16 16 0 0 0 16-16V80a16 16 0 0 0-16-16zm0 160H208a16 16 0 0 0-16 16v32a16 16 0 0 0 16 16h288a16 16 0 0 0 16-16v-32a16 16 0 0 0-16-16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8f8c418\" data-id=\"8f8c418\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-faa9801 elementor-widget elementor-widget-heading\" data-id=\"faa9801\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 1<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-dd18f75\" data-id=\"dd18f75\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da896df elementor-widget elementor-widget-heading\" data-id=\"da896df\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get Organized<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f4c889 elementor-widget elementor-widget-spacer\" data-id=\"8f4c889\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14e63a2 elementor-widget elementor-widget-text-editor\" data-id=\"14e63a2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Getting organized ahead of time will greatly influence your ability to efficiently find <em>(and ultimately purchase)<\/em> your ideal property. Begin with the following:<\/p><p><strong>Determine Your Needs:<\/strong> How much space do you need? What areas, subdivisions, or condo complexes might you be interested in? What about your lifestyle? Would you like to be in close proximity to the beach, town, or hiking trails? What type of climate do you prefer? Do you like it warmer, cooler, sun-drenched, dry, rainy, etc.? \u00a0One of the great things about living on the Big Island is that its diverse climate zones offer something for almost everyone. Penn can help with this initial research with just <a href=\"http:\/\/pennhenderson.com\/helpful-resources\/buyers\/find-your-ideal-home\/\">a few quick questions.<\/a><\/p><p><strong>Search the Hawaii MLS:<\/strong> Have some fun with some preliminary online searches using the Hawaii MLS. Check into what prices homes are selling for with different features and in various areas to help give you an idea of what you are looking for. Gaining some familiarity will help later on during your initial talk with Penn. | <a href=\"https:\/\/pennhenderson.com\/#mls\">Search Hawaii MLS<\/a> |<\/p><p>*<strong>TIP:<\/strong> Quickly <a href=\"http:\/\/pennhenderson.com\/portfolio-login\/\">create your own login<\/a> so you can add your selected &#8220;favorite&#8221; properties to your personal portfolio and be able to review &amp; compare them at your convenience.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-442ba62 elementor-widget elementor-widget-image\" data-id=\"442ba62\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.20.0 - 26-03-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/search-hawaii-mls-helpful-buyer-resources.jpg\" class=\"attachment-large size-large wp-image-18612\" alt=\"Big Island, Hawaii Home Buying Process\" srcset=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/search-hawaii-mls-helpful-buyer-resources.jpg 800w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/search-hawaii-mls-helpful-buyer-resources-300x150.jpg 300w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/search-hawaii-mls-helpful-buyer-resources-768x384.jpg 768w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/search-hawaii-mls-helpful-buyer-resources-496x248.jpg 496w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6ec435 elementor-widget elementor-widget-text-editor\" data-id=\"d6ec435\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Estimate Your Budget:<\/strong> Use the <a href=\"http:\/\/pennhenderson.com\/helpful-resources\/buyers\/mortgage-calculator\/\">mortgage calculator<\/a> to determine what your monthly mortgage payment would be if you were to purchase any of the homes that interest you. Make some additional estimates for property taxes, utilities, and association dues to see if this fits into your budget. Fannie Mae recommends buyers plan to spend less than 28% of their total income on housing. So, if your total household income is $10,000 per month, you should aim for properties with total monthly housing expenses not exceeding $2,800.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-827de27 elementor-widget elementor-widget-text-editor\" data-id=\"827de27\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Familiarize Yourself with the Market:<\/strong> Once you have narrowed down your search to certain areas and property types, study the recent sales and active listings. Understanding the real estate market in terms of Days on the Market and Median Sales Price will give will help you when it comes time to submit an attractive offer.<\/p><p><strong>Define a Timeframe:<\/strong> When would you like to take ownership of the property? Is buying a home contingent upon the selling of your current home? Keep in mind, the typical time it takes to close on a purchase in Hawaii averages about 45-days. Many factors can add to this such as certain types of loans requiring additional review time <em>(a VA Loan for example).<\/em><\/p><p><strong>Your Financial Documents:<\/strong> Locate and organize your tax returns, pay stubs, and if applicable, Veteran\u2019s Administration eligibility documentation. Having these items ready to go will help expedite things down the road when obtaining loan pre-approval.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-930927b elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"930927b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6d52948\" data-id=\"6d52948\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34c48b6 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"34c48b6\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-comments\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M532 386.2c27.5-27.1 44-61.1 44-98.2 0-80-76.5-146.1-176.2-157.9C368.3 72.5 294.3 32 208 32 93.1 32 0 103.6 0 192c0 37 16.5 71 44 98.2-15.3 30.7-37.3 54.5-37.7 54.9-6.3 6.7-8.1 16.5-4.4 25 3.6 8.5 12 14 21.2 14 53.5 0 96.7-20.2 125.2-38.8 9.2 2.1 18.7 3.7 28.4 4.9C208.1 407.6 281.8 448 368 448c20.8 0 40.8-2.4 59.8-6.8C456.3 459.7 499.4 480 553 480c9.2 0 17.5-5.5 21.2-14 3.6-8.5 1.9-18.3-4.4-25-.4-.3-22.5-24.1-37.8-54.8zm-392.8-92.3L122.1 305c-14.1 9.1-28.5 16.3-43.1 21.4 2.7-4.7 5.4-9.7 8-14.8l15.5-31.1L77.7 256C64.2 242.6 48 220.7 48 192c0-60.7 73.3-112 160-112s160 51.3 160 112-73.3 112-160 112c-16.5 0-33-1.9-49-5.6l-19.8-4.5zM498.3 352l-24.7 24.4 15.5 31.1c2.6 5.1 5.3 10.1 8 14.8-14.6-5.1-29-12.3-43.1-21.4l-17.1-11.1-19.9 4.6c-16 3.7-32.5 5.6-49 5.6-54 0-102.2-20.1-131.3-49.7C338 339.5 416 272.9 416 192c0-3.4-.4-6.7-.7-10C479.7 196.5 528 238.8 528 288c0 28.7-16.2 50.6-29.7 64z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-36e36eb\" data-id=\"36e36eb\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1206dc4 elementor-widget elementor-widget-heading\" data-id=\"1206dc4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 2<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-31cd3c2\" data-id=\"31cd3c2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-08003c5 elementor-widget elementor-widget-heading\" data-id=\"08003c5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Talk with Penn<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3f8361 elementor-widget elementor-widget-spacer\" data-id=\"d3f8361\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e24678 elementor-widget elementor-widget-text-editor\" data-id=\"9e24678\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>It&#8217;s been said that Realtors are a mirror of their clients and this <em>agent-client<\/em> synergy is an important ingredient for a smooth and successful home buying experience. \u00a0<\/p><p>\u00a0<\/p><p>An introductory meeting with Penn is a great place to start \u2013 and is an opportunity for everyone to ask questions, get acquainted, and begin defining objectives &amp; goals to potentially move forward with.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-6cd47b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6cd47b5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-daa1800\" data-id=\"daa1800\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef327cb elementor-icon-list--layout-inline elementor-align-right elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ef327cb\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/pennhenderson.com\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\">\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-comment-dollar\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 32C114.62 32 0 125.12 0 240c0 49.56 21.41 95.01 57.02 130.74C44.46 421.05 2.7 465.97 2.2 466.5A7.995 7.995 0 0 0 8 480c66.26 0 115.99-31.75 140.6-51.38C181.29 440.93 217.59 448 256 448c141.38 0 256-93.12 256-208S397.38 32 256 32zm24 302.44V352c0 8.84-7.16 16-16 16h-16c-8.84 0-16-7.16-16-16v-17.73c-11.42-1.35-22.28-5.19-31.78-11.46-6.22-4.11-6.82-13.11-1.55-18.38l17.52-17.52c3.74-3.74 9.31-4.24 14.11-2.03 3.18 1.46 6.66 2.22 10.26 2.22h32.78c4.66 0 8.44-3.78 8.44-8.42 0-3.75-2.52-7.08-6.12-8.11l-50.07-14.3c-22.25-6.35-40.01-24.71-42.91-47.67-4.05-32.07 19.03-59.43 49.32-63.05V128c0-8.84 7.16-16 16-16h16c8.84 0 16 7.16 16 16v17.73c11.42 1.35 22.28 5.19 31.78 11.46 6.22 4.11 6.82 13.11 1.55 18.38l-17.52 17.52c-3.74 3.74-9.31 4.24-14.11 2.03a24.516 24.516 0 0 0-10.26-2.22h-32.78c-4.66 0-8.44 3.78-8.44 8.42 0 3.75 2.52 7.08 6.12 8.11l50.07 14.3c22.25 6.36 40.01 24.71 42.91 47.67 4.05 32.06-19.03 59.42-49.32 63.04z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Did You Know?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3652740\" data-id=\"3652740\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dd29e60 elementor-widget elementor-widget-text-editor\" data-id=\"dd29e60\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>As a result of the recent settlement with the National Association of Realtors, a formal Buyer&#8217;s Representation Agreement will become a critical part of the buying process moving forward. Contact Penn for a better understanding of how this may impact you.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2c8ad3 elementor-widget elementor-widget-spacer\" data-id=\"e2c8ad3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-f0799af elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f0799af\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8320a64\" data-id=\"8320a64\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-478ccc7 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"478ccc7\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-hand-holding-usd\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M271.06,144.3l54.27,14.3a8.59,8.59,0,0,1,6.63,8.1c0,4.6-4.09,8.4-9.12,8.4h-35.6a30,30,0,0,1-11.19-2.2c-5.24-2.2-11.28-1.7-15.3,2l-19,17.5a11.68,11.68,0,0,0-2.25,2.66,11.42,11.42,0,0,0,3.88,15.74,83.77,83.77,0,0,0,34.51,11.5V240c0,8.8,7.83,16,17.37,16h17.37c9.55,0,17.38-7.2,17.38-16V222.4c32.93-3.6,57.84-31,53.5-63-3.15-23-22.46-41.3-46.56-47.7L282.68,97.4a8.59,8.59,0,0,1-6.63-8.1c0-4.6,4.09-8.4,9.12-8.4h35.6A30,30,0,0,1,332,83.1c5.23,2.2,11.28,1.7,15.3-2l19-17.5A11.31,11.31,0,0,0,368.47,61a11.43,11.43,0,0,0-3.84-15.78,83.82,83.82,0,0,0-34.52-11.5V16c0-8.8-7.82-16-17.37-16H295.37C285.82,0,278,7.2,278,16V33.6c-32.89,3.6-57.85,31-53.51,63C227.63,119.6,247,137.9,271.06,144.3ZM565.27,328.1c-11.8-10.7-30.2-10-42.6,0L430.27,402a63.64,63.64,0,0,1-40,14H272a16,16,0,0,1,0-32h78.29c15.9,0,30.71-10.9,33.25-26.6a31.2,31.2,0,0,0,.46-5.46A32,32,0,0,0,352,320H192a117.66,117.66,0,0,0-74.1,26.29L71.4,384H16A16,16,0,0,0,0,400v96a16,16,0,0,0,16,16H372.77a64,64,0,0,0,40-14L564,377a32,32,0,0,0,1.28-48.9Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-2699d78\" data-id=\"2699d78\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4051ea0 elementor-widget elementor-widget-heading\" data-id=\"4051ea0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 3<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a562118\" data-id=\"a562118\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e33db00 elementor-widget elementor-widget-heading\" data-id=\"e33db00\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get Pre-Approved for a Loan<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb0575c elementor-widget elementor-widget-spacer\" data-id=\"bb0575c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5dc3eb elementor-widget elementor-widget-image\" data-id=\"f5dc3eb\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/hawaii-loa-pre-approval.jpg\" class=\"attachment-large size-large wp-image-18645\" alt=\"Home Buying Process in Hawaii, Big Island\" srcset=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/hawaii-loa-pre-approval.jpg 800w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/hawaii-loa-pre-approval-300x150.jpg 300w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/hawaii-loa-pre-approval-768x384.jpg 768w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/hawaii-loa-pre-approval-496x248.jpg 496w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89af0a3 elementor-widget elementor-widget-text-editor\" data-id=\"89af0a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Upon meeting with Penn and formulating a plan with defined goals and objectives, the next step is for you to meet with a licensed Hawaii mortgage broker or lender. Start with your current bank, but make sure to check out competitor banks as well \u2013 you might find better loan rates by simply shopping around a bit. They will help you determine what you can afford and explain the different types of loan options that are available to you.<\/p><p>\u00a0<\/p><p>To get pre-approved for a mortgage you will need to get some paperwork ready: Pay stubs, W-2&#8217;s, bank account statements, tax returns for the past two years, credit lines, and names and addresses of any landlords over the past two years.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-eaba17e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eaba17e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3437f54\" data-id=\"3437f54\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f6a81a elementor-icon-list--layout-inline elementor-align-right elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0f6a81a\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M176 80c-52.94 0-96 43.06-96 96 0 8.84 7.16 16 16 16s16-7.16 16-16c0-35.3 28.72-64 64-64 8.84 0 16-7.16 16-16s-7.16-16-16-16zM96.06 459.17c0 3.15.93 6.22 2.68 8.84l24.51 36.84c2.97 4.46 7.97 7.14 13.32 7.14h78.85c5.36 0 10.36-2.68 13.32-7.14l24.51-36.84c1.74-2.62 2.67-5.7 2.68-8.84l.05-43.18H96.02l.04 43.18zM176 0C73.72 0 0 82.97 0 176c0 44.37 16.45 84.85 43.56 115.78 16.64 18.99 42.74 58.8 52.42 92.16v.06h48v-.12c-.01-4.77-.72-9.51-2.15-14.07-5.59-17.81-22.82-64.77-62.17-109.67-20.54-23.43-31.52-53.15-31.61-84.14-.2-73.64 59.67-128 127.95-128 70.58 0 128 57.42 128 128 0 30.97-11.24 60.85-31.65 84.14-39.11 44.61-56.42 91.47-62.1 109.46a47.507 47.507 0 0 0-2.22 14.3v.1h48v-.05c9.68-33.37 35.78-73.18 52.42-92.16C335.55 260.85 352 220.37 352 176 352 78.8 273.2 0 176 0z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Helpful Tip:<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d10d9fd\" data-id=\"d10d9fd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e7b1247 elementor-widget elementor-widget-text-editor\" data-id=\"e7b1247\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Try to stick with a local, Hawaii-based lender familiar with the intricacies of Hawaii Real Estate to help fund your loan and get to closing on time as specified within the contract. Closing late can cost you money every day the transaction is extended should the seller charge you daily interest.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-6706382 elementor-widget elementor-widget-spacer\" data-id=\"6706382\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-bbcb01d elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bbcb01d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-24f49a6\" data-id=\"24f49a6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1d3b04 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"d1d3b04\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-home\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M280.37 148.26L96 300.11V464a16 16 0 0 0 16 16l112.06-.29a16 16 0 0 0 15.92-16V368a16 16 0 0 1 16-16h64a16 16 0 0 1 16 16v95.64a16 16 0 0 0 16 16.05L464 480a16 16 0 0 0 16-16V300L295.67 148.26a12.19 12.19 0 0 0-15.3 0zM571.6 251.47L488 182.56V44.05a12 12 0 0 0-12-12h-56a12 12 0 0 0-12 12v72.61L318.47 43a48 48 0 0 0-61 0L4.34 251.47a12 12 0 0 0-1.6 16.9l25.5 31A12 12 0 0 0 45.15 301l235.22-193.74a12.19 12.19 0 0 1 15.3 0L530.9 301a12 12 0 0 0 16.9-1.6l25.5-31a12 12 0 0 0-1.7-16.93z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5459576\" data-id=\"5459576\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f7060ec elementor-widget elementor-widget-heading\" data-id=\"f7060ec\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 4<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-8f8be85\" data-id=\"8f8be85\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6512d43 elementor-widget elementor-widget-heading\" data-id=\"6512d43\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Look at Homes<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-60086e1 elementor-widget elementor-widget-spacer\" data-id=\"60086e1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a03c46b elementor-widget elementor-widget-image\" data-id=\"a03c46b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/search-properties.jpg\" class=\"attachment-large size-large wp-image-18616\" alt=\"Understanding the Home Buying Process in Hawaii - Big Island\" srcset=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/search-properties.jpg 800w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/search-properties-300x150.jpg 300w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/search-properties-768x384.jpg 768w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/search-properties-496x248.jpg 496w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40dc4b2 elementor-widget elementor-widget-text-editor\" data-id=\"40dc4b2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Once you receive loan pre-approval, Penn will meet with you again in the office (or virtually) to review homes available on the MLS that meet your needs and are within your budget. Aim to identify a handful of homes you would like to tour <em>(~6 is a good starting point).<\/em><\/p><p>\u00a0<\/p><p>Sometimes properties are available to view with short notice, especially true for vacant properties, but in many cases, 24-hour notice is required when occupied.<\/p><p>\u00a0<\/p><p>Penn will personally guide you through each property, discussing your preferences and facilitating questions along the way.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-7236b3a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7236b3a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-24eb017\" data-id=\"24eb017\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed2f417 elementor-icon-list--layout-inline elementor-align-right elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ed2f417\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-video\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336.2 64H47.8C21.4 64 0 85.4 0 111.8v288.4C0 426.6 21.4 448 47.8 448h288.4c26.4 0 47.8-21.4 47.8-47.8V111.8c0-26.4-21.4-47.8-47.8-47.8zm189.4 37.7L416 177.3v157.4l109.6 75.5c21.2 14.6 50.4-.3 50.4-25.8V127.5c0-25.4-29.1-40.4-50.4-25.8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Off Island?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5e21992\" data-id=\"5e21992\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-404ee5e elementor-widget elementor-widget-text-editor\" data-id=\"404ee5e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><em>If you are off-island and unavailable for an in-person showing, Penn can arrange for a live guided virtual tour<\/em> with you.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef8687d elementor-widget elementor-widget-spacer\" data-id=\"ef8687d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-702c16a elementor-widget elementor-widget-text-editor\" data-id=\"702c16a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you consider any of the properties a strong contender, Penn can schedule a second showing if you would like. Of course, if additional properties become newly listed during the search that are appealing, those can be added to the mix as well. Once you have found a property that you would like to move on, Penn will work together with you in crafting a strong purchase offer.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-611ff5f elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"611ff5f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f27f497\" data-id=\"f27f497\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8d681d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f8d681d\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-file-export\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M384 121.9c0-6.3-2.5-12.4-7-16.9L279.1 7c-4.5-4.5-10.6-7-17-7H256v128h128zM571 308l-95.7-96.4c-10.1-10.1-27.4-3-27.4 11.3V288h-64v64h64v65.2c0 14.3 17.3 21.4 27.4 11.3L571 332c6.6-6.6 6.6-17.4 0-24zm-379 28v-32c0-8.8 7.2-16 16-16h176V160H248c-13.2 0-24-10.8-24-24V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24V352H208c-8.8 0-16-7.2-16-16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-41f6e02\" data-id=\"41f6e02\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da9fe47 elementor-widget elementor-widget-heading\" data-id=\"da9fe47\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 5<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-37dd355\" data-id=\"37dd355\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31c7e1b elementor-widget elementor-widget-heading\" data-id=\"31c7e1b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Make an Offer<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4026173 elementor-widget elementor-widget-spacer\" data-id=\"4026173\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de10918 elementor-widget elementor-widget-text-editor\" data-id=\"de10918\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Before making an offer, Penn will provide you with a Comparative Market Analysis (CMA) of the property, identifying comparable properties to the one you have chosen. You can use this information to evaluate recent selling prices of similar properties to help guide your decision on a price you would like to offer for your chosen property.<\/p><p>Once you are ready and have determined a price to submit as an offer to purchase, Penn will prepare the contract <em>(a standard 14-page Purchase Contract by the Hawaii Association of Realtors)<\/em> and review the offer details with you to ensure everything is accurate and understood clearly. You will then sign the Purchase Contract and Penn will submit it to the listing agent (seller\u2019s agent).<\/p><p>Sometimes a response will be received quickly (within a few hours), and sometimes it could take several days before hearing anything.\u00a0 You can expect one of three things to happen:<\/p><p><strong>The seller accepts your offer.<\/strong><br \/>If this is the case, congratulations \u2013 you now move on to Step 7 \u2013 \u201cOpen Escrow\u201d<\/p><p><strong>The seller rejects your offer. <\/strong><br \/>If this happens, Penn can work with you on submitting a new offer if you would like.<\/p><p><strong>The Seller makes a counteroffer.<\/strong><br \/>You can either accept their counteroffer, or you can respond with your own counteroffer. If this is the case, you have effectively moved on to Step 6 \u2013 \u201cNegotiate\u201d<\/p><p>If an offer or any counteroffer(s) failed to result in a signed Purchase Contract by both buyer and seller, then it is time to go back to Step 4 and review other property contenders or look at other homes on the market that you may have not yet seen.<strong><em>\u00a0<\/em><\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-03e1ccb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"03e1ccb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-c3da731\" data-id=\"c3da731\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a033688 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"a033688\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-handshake\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M434.7 64h-85.9c-8 0-15.7 3-21.6 8.4l-98.3 90c-.1.1-.2.3-.3.4-16.6 15.6-16.3 40.5-2.1 56 12.7 13.9 39.4 17.6 56.1 2.7.1-.1.3-.1.4-.2l79.9-73.2c6.5-5.9 16.7-5.5 22.6 1 6 6.5 5.5 16.6-1 22.6l-26.1 23.9L504 313.8c2.9 2.4 5.5 5 7.9 7.7V128l-54.6-54.6c-5.9-6-14.1-9.4-22.6-9.4zM544 128.2v223.9c0 17.7 14.3 32 32 32h64V128.2h-96zm48 223.9c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16-7.2 16-16 16zM0 384h64c17.7 0 32-14.3 32-32V128.2H0V384zm48-63.9c8.8 0 16 7.2 16 16s-7.2 16-16 16-16-7.2-16-16c0-8.9 7.2-16 16-16zm435.9 18.6L334.6 217.5l-30 27.5c-29.7 27.1-75.2 24.5-101.7-4.4-26.9-29.4-24.8-74.9 4.4-101.7L289.1 64h-83.8c-8.5 0-16.6 3.4-22.6 9.4L128 128v223.9h18.3l90.5 81.9c27.4 22.3 67.7 18.1 90-9.3l.2-.2 17.9 15.5c15.9 13 39.4 10.5 52.3-5.4l31.4-38.6 5.4 4.4c13.7 11.1 33.9 9.1 45-4.7l9.5-11.7c11.2-13.8 9.1-33.9-4.6-45.1z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-75ae338\" data-id=\"75ae338\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1caee83 elementor-widget elementor-widget-heading\" data-id=\"1caee83\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 6<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4e1c3c4\" data-id=\"4e1c3c4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64b1fa6 elementor-widget elementor-widget-heading\" data-id=\"64b1fa6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Negotiate<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6b6448 elementor-widget elementor-widget-spacer\" data-id=\"c6b6448\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0000f6a elementor-widget elementor-widget-image\" data-id=\"0000f6a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/real-estate-negotiation.jpg\" class=\"attachment-large size-large wp-image-18610\" alt=\"Buying Real Estate Resources - Negotiating\" srcset=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/real-estate-negotiation.jpg 800w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/real-estate-negotiation-300x150.jpg 300w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/real-estate-negotiation-768x384.jpg 768w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/real-estate-negotiation-496x248.jpg 496w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fe0d26 elementor-widget elementor-widget-text-editor\" data-id=\"3fe0d26\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>BE PREPARED:<\/strong>\u00a0 It is not unusual to go back and forth with the seller a few times on price and selling conditions. Penn will be your advocate here and try to get you, his client, as much as possible for your money while being fair and respectful to the seller and their real estate agent.<\/p><p><strong>BE PATIENT:<\/strong>\u00a0 Sometimes the seller may take time to respond as they evaluate your offer \u2013 or as they may be taking time to draft a counteroffer. Penn will make sure to stay in touch with the seller\u2019s agent to keep apprised of the status.\u00a0 Be patient, stay composed, remain positive. If you receive a counter offer not to your liking, Penn will work with you on formulating a counteroffer of your own to present to the seller.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-b286aab elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b286aab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-23744ac\" data-id=\"23744ac\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d4200c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"1d4200c\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-folder-open\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M527.9 224H480v-48c0-26.5-21.5-48-48-48H272l-64-64H48C21.5 64 0 85.5 0 112v288c0 26.5 21.5 48 48 48h400c16.5 0 31.9-8.5 40.7-22.6l79.9-128c20-31.9-3-73.4-40.7-73.4zM48 118c0-3.3 2.7-6 6-6h134.1l64 64H426c3.3 0 6 2.7 6 6v42H152c-16.8 0-32.4 8.8-41.1 23.2L48 351.4zm400 282H72l77.2-128H528z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-43a9315\" data-id=\"43a9315\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c44052 elementor-widget elementor-widget-heading\" data-id=\"1c44052\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 7<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-e527877\" data-id=\"e527877\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41b2c17 elementor-widget elementor-widget-heading\" data-id=\"41b2c17\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Open Escrow<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dbcb3b elementor-widget elementor-widget-spacer\" data-id=\"3dbcb3b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f23421c elementor-widget elementor-widget-text-editor\" data-id=\"f23421c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Once an agreement on contract terms is reached with the Seller, you are under contract, which is referred to as <a href=\"http:\/\/pennhenderson.com\/helpie_faq\/what-is-hawaiis-escrow-process\/\">opening escrow<\/a>. A neutral \u2013 impartial \u2013 3rd party company is used to administer the transaction, known as an <a href=\"http:\/\/pennhenderson.com\/helpie_faq\/title-companies-in-kona\/\">escrow company<\/a>. <strong>The escrow company plays a number of important roles during a transaction:<\/strong><\/p><p>\u00a0<\/p><p><strong>ORDERS A PRELIMINARY TITLE REPORT<\/strong> and has a title officer review the report for any potential title issues, such as liens and other issues that need to be resolved before you take ownership.<\/p><p>\u00a0<\/p><p><strong>ORDERS THE DEED<\/strong> <em>(conveyance document)<\/em> from an attorney, which is the legal document making the transfer of ownership official.<\/p><p>\u00a0<\/p><p><strong>HOLDS YOUR DEPOSITS<\/strong> and the final payment in their bank account until recordation.<\/p><p>\u00a0<\/p><p><strong>PREPARES A FINAL CLOSING STATEMENT<\/strong> <em>(outlining all costs itemized)<\/em> and other documents requiring your review and signature.<\/p><p>\u00a0<\/p><p>Typically, the escrow process usually takes 45 to 60 days to complete. Penn will work with you throughout the process to keep you informed, answer questions, and assist you in sourcing professionals to help you with the process <em>(inspectors, surveyors, and other experts who can help with situations as needed).<\/em><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-6f985c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f985c0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-684e716\" data-id=\"684e716\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e42773 elementor-icon-list--layout-inline elementor-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9e42773\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M176 80c-52.94 0-96 43.06-96 96 0 8.84 7.16 16 16 16s16-7.16 16-16c0-35.3 28.72-64 64-64 8.84 0 16-7.16 16-16s-7.16-16-16-16zM96.06 459.17c0 3.15.93 6.22 2.68 8.84l24.51 36.84c2.97 4.46 7.97 7.14 13.32 7.14h78.85c5.36 0 10.36-2.68 13.32-7.14l24.51-36.84c1.74-2.62 2.67-5.7 2.68-8.84l.05-43.18H96.02l.04 43.18zM176 0C73.72 0 0 82.97 0 176c0 44.37 16.45 84.85 43.56 115.78 16.64 18.99 42.74 58.8 52.42 92.16v.06h48v-.12c-.01-4.77-.72-9.51-2.15-14.07-5.59-17.81-22.82-64.77-62.17-109.67-20.54-23.43-31.52-53.15-31.61-84.14-.2-73.64 59.67-128 127.95-128 70.58 0 128 57.42 128 128 0 30.97-11.24 60.85-31.65 84.14-39.11 44.61-56.42 91.47-62.1 109.46a47.507 47.507 0 0 0-2.22 14.3v.1h48v-.05c9.68-33.37 35.78-73.18 52.42-92.16C335.55 260.85 352 220.37 352 176 352 78.8 273.2 0 176 0z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Helpful Tip:<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-92d116c\" data-id=\"92d116c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51b792b elementor-widget elementor-widget-text-editor\" data-id=\"51b792b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Be prepared and on alert during the escrow process. There will be many documents needing your attention (review, signatures, etc.) that are time-sensitive, requiring your response in a timely manner.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-84aec5a elementor-widget elementor-widget-spacer\" data-id=\"84aec5a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-73f81c5 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73f81c5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f1b779c\" data-id=\"f1b779c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cf5b8b1 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"cf5b8b1\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dollar-sign\" viewBox=\"0 0 288 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M209.2 233.4l-108-31.6C88.7 198.2 80 186.5 80 173.5c0-16.3 13.2-29.5 29.5-29.5h66.3c12.2 0 24.2 3.7 34.2 10.5 6.1 4.1 14.3 3.1 19.5-2l34.8-34c7.1-6.9 6.1-18.4-1.8-24.5C238 74.8 207.4 64.1 176 64V16c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v48h-2.5C45.8 64-5.4 118.7.5 183.6c4.2 46.1 39.4 83.6 83.8 96.6l102.5 30c12.5 3.7 21.2 15.3 21.2 28.3 0 16.3-13.2 29.5-29.5 29.5h-66.3C100 368 88 364.3 78 357.5c-6.1-4.1-14.3-3.1-19.5 2l-34.8 34c-7.1 6.9-6.1 18.4 1.8 24.5 24.5 19.2 55.1 29.9 86.5 30v48c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16v-48.2c46.6-.9 90.3-28.6 105.7-72.7 21.5-61.6-14.6-124.8-72.5-141.7z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4983b8b\" data-id=\"4983b8b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36afaf3 elementor-widget elementor-widget-heading\" data-id=\"36afaf3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 8<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-53ccd25\" data-id=\"53ccd25\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-129662e elementor-widget elementor-widget-heading\" data-id=\"129662e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Initial Deposit<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ffa2b4 elementor-widget elementor-widget-spacer\" data-id=\"5ffa2b4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4283333 elementor-widget elementor-widget-text-editor\" data-id=\"4283333\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In most cases, the buyer <em>(you)<\/em> will pay an initial deposit shortly after opening escrow. You can wire funds, provide a cashier&#8217;s check, or write a personal check. There are no rules as to how much the initial deposit should be, but around 1% of the purchase price is not uncommon \u2013 which has been included and agreed upon in the purchase contract.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-d949a34 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d949a34\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6bf3190\" data-id=\"6bf3190\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ebe359 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7ebe359\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 442.7L405.3 343c-4.5-4.5-10.6-7-17-7H372c27.6-35.3 44-79.7 44-128C416 93.1 322.9 0 208 0S0 93.1 0 208s93.1 208 208 208c48.3 0 92.7-16.4 128-44v16.3c0 6.4 2.5 12.5 7 17l99.7 99.7c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.6.1-34zM208 336c-70.7 0-128-57.2-128-128 0-70.7 57.2-128 128-128 70.7 0 128 57.2 128 128 0 70.7-57.2 128-128 128z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f5e00af\" data-id=\"f5e00af\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b38769 elementor-widget elementor-widget-heading\" data-id=\"5b38769\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 9<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6c63038\" data-id=\"6c63038\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-decd57d elementor-widget elementor-widget-heading\" data-id=\"decd57d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Home & Termite Inspections<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fdd2a5 elementor-widget elementor-widget-spacer\" data-id=\"4fdd2a5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fc2bae elementor-widget elementor-widget-text-editor\" data-id=\"0fc2bae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>It is recommended that you hire professional <a href=\"http:\/\/pennhenderson.com\/helpie_faq\/home-inspectors-in-kona\/\">home<\/a> and <a href=\"http:\/\/pennhenderson.com\/helpie_faq\/pest-termite-companies-in-kona\/\">termite inspectors<\/a> to do a thorough inspection of the property to check for issues, even if the property is brand new. If the inspector identifies issues, you have some options to consider:<\/p><p>\u00a0<\/p><ul><li><strong>Request Seller to fix<\/strong>, though Seller is not obligated to fix.<\/li><li><strong>Request a credit<\/strong> from Seller, though Seller is not obligated to accept.<\/li><li><strong>A combination<\/strong> <strong>of 1.) and 2.)<\/strong> \u2013 Credit &amp; Repair request.<\/li><li><strong>Accept inspection results<\/strong> and not request anything from Seller.<\/li><li><strong>Cancel the contract,<\/strong> within certain contingency deadlines, and get your initial deposit back, except the cost of the home inspection.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-564f829 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"564f829\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-188363c\" data-id=\"188363c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c8014cb elementor-widget elementor-widget-text-editor\" data-id=\"c8014cb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If live termites are found, the Seller has to pay for treatment to get rid of them. If there is damage to the property that is considered material, you may cancel the purchase contract based on later discovered information within certain contingency timeframes and be refunded any deposits paid into escrow.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9d6d98 elementor-widget elementor-widget-spacer\" data-id=\"f9d6d98\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb61524 elementor-widget elementor-widget-text-editor\" data-id=\"bb61524\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Normally, the buyer pays for the home inspection and the seller pays for the termite inspection<\/strong> \u2013 with the details being specified in the purchase contract. Generally, you want to get these inspections completed as soon as possible upon opening escrow. Penn will work with you on the timing as they relate to deadlines that you need to be aware of.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-2d3537e elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2d3537e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4ccf2b0\" data-id=\"4ccf2b0\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e24527b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e24527b\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dollar-sign\" viewBox=\"0 0 288 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M209.2 233.4l-108-31.6C88.7 198.2 80 186.5 80 173.5c0-16.3 13.2-29.5 29.5-29.5h66.3c12.2 0 24.2 3.7 34.2 10.5 6.1 4.1 14.3 3.1 19.5-2l34.8-34c7.1-6.9 6.1-18.4-1.8-24.5C238 74.8 207.4 64.1 176 64V16c0-8.8-7.2-16-16-16h-32c-8.8 0-16 7.2-16 16v48h-2.5C45.8 64-5.4 118.7.5 183.6c4.2 46.1 39.4 83.6 83.8 96.6l102.5 30c12.5 3.7 21.2 15.3 21.2 28.3 0 16.3-13.2 29.5-29.5 29.5h-66.3C100 368 88 364.3 78 357.5c-6.1-4.1-14.3-3.1-19.5 2l-34.8 34c-7.1 6.9-6.1 18.4 1.8 24.5 24.5 19.2 55.1 29.9 86.5 30v48c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16v-48.2c46.6-.9 90.3-28.6 105.7-72.7 21.5-61.6-14.6-124.8-72.5-141.7z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-fed6cad\" data-id=\"fed6cad\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74e5a4a elementor-widget elementor-widget-heading\" data-id=\"74e5a4a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 10<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-b10a147\" data-id=\"b10a147\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b4eedb elementor-widget elementor-widget-heading\" data-id=\"1b4eedb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Second Deposit<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-58d48a9 elementor-widget elementor-widget-spacer\" data-id=\"58d48a9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85675e4 elementor-widget elementor-widget-text-editor\" data-id=\"85675e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you decide to proceed with the purchase after the inspections, this is normally the time you will pay the 2nd deposit. There are no rules as to how much the 2nd deposit should be, but around 2.5% of the purchase price is not uncommon \u2013 all agreed upon in the purchase contract.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-3ca89b8 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ca89b8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-de011b8\" data-id=\"de011b8\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-28a2b5b elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"28a2b5b\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-book-reader\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M352 96c0-53.02-42.98-96-96-96s-96 42.98-96 96 42.98 96 96 96 96-42.98 96-96zM233.59 241.1c-59.33-36.32-155.43-46.3-203.79-49.05C13.55 191.13 0 203.51 0 219.14v222.8c0 14.33 11.59 26.28 26.49 27.05 43.66 2.29 131.99 10.68 193.04 41.43 9.37 4.72 20.48-1.71 20.48-11.87V252.56c-.01-4.67-2.32-8.95-6.42-11.46zm248.61-49.05c-48.35 2.74-144.46 12.73-203.78 49.05-4.1 2.51-6.41 6.96-6.41 11.63v245.79c0 10.19 11.14 16.63 20.54 11.9 61.04-30.72 149.32-39.11 192.97-41.4 14.9-.78 26.49-12.73 26.49-27.06V219.14c-.01-15.63-13.56-28.01-29.81-27.09z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-c14d9f5\" data-id=\"c14d9f5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2176b6a elementor-widget elementor-widget-heading\" data-id=\"2176b6a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 11<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-51f5d76\" data-id=\"51f5d76\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a82869b elementor-widget elementor-widget-heading\" data-id=\"a82869b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Review Documents<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab2ec1 elementor-widget elementor-widget-spacer\" data-id=\"1ab2ec1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d7b58c elementor-widget elementor-widget-image\" data-id=\"0d7b58c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/review-documents.jpg\" class=\"attachment-large size-large wp-image-18618\" alt=\"\" srcset=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/review-documents.jpg 800w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/review-documents-300x150.jpg 300w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/review-documents-768x384.jpg 768w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/review-documents-496x248.jpg 496w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6882ff6 elementor-widget elementor-widget-text-editor\" data-id=\"6882ff6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"color: #ff6c2c;\"><strong>BRACE YOURSELF: <\/strong><\/span>You will be inundated with many important documents along the way.<\/p><p><strong>Preliminary Title Report<\/strong>\u2013 Typically, a few days after opening escrow you will receive a preliminary title report, ordered and delivered by the escrow company, outlining who are the owners on the title and if there are any liens or other issues with the title that must be resolved before transferring ownership. The escrow company typically works with the Seller to resolve any title issues.<\/p><p><strong>Seller\u2019s Real Property Disclosure Statement<\/strong> \u2013 This is a standard 5-page document with several questions Seller has to complete. The questions will be answered with Yes, No, NTMK (not to my knowledge), or NA (not applicable). When the Seller answers Yes to a question, Seller has to write an explanation. If Seller\u2019s Disclosure reveals something you are not comfortable with, you may cancel the contract, within certain contingency deadlines, and get your deposit(s) back.<\/p><p><strong>Condo Documents\u00a0<\/strong>(applicable for condos only) \u2013 Ordered and paid by Seller. This is typically a lot of documents, including the declaration, bylaws, house rules, meeting minutes from board meetings, association insurance summary, financial statement, reserve study, project information form (a document filled out by the condo\u2019s managing agent answering questions such as if there are any owner\u2019s delinquent on paying their maintenance fees if there is any litigation going on, what maintenance fees cover, etc.) If the condo documents reveal something you are not comfortable with, you may cancel the contract and get your deposit(s) back.<\/p><p><strong>Survey<\/strong> (applicable to houses only) \u2013 Ordered and paid by Seller. The Survey is done by a Land Surveyor licensed in Hawaii. The survey involves marking property corners and creating a map that shows the layout of the land and any man-made improvements on the land such as house, pool, fences, walls, garage, roof overhang, etc. The primary objective of the survey is to confirm if there are encroachments across property lines onto neighboring properties. If an encroachment \u2013 such as a fence running on your neighbor\u2019s lot \u2013 is less than 6 inches, that is considered de minimis and does not require an encroachment agreement. If an encroachment is more than 6 inches, the Buyer can decide to accept such encroachment or instruct Seller to remedy the issue, which can be done by a) Seller making a written encroachment agreement with their neighbor or b) Seller removes the encroachment, which has to be acceptable to the Buyer.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-fefa292 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fefa292\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-b258f45\" data-id=\"b258f45\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65f2345 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"65f2345\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search-dollar\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505.04 442.66l-99.71-99.69c-4.5-4.5-10.6-7-17-7h-16.3c27.6-35.3 44-79.69 44-127.99C416.03 93.09 322.92 0 208.02 0S0 93.09 0 207.98s93.11 207.98 208.02 207.98c48.3 0 92.71-16.4 128.01-44v16.3c0 6.4 2.5 12.5 7 17l99.71 99.69c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.59.1-33.99zm-297.02-90.7c-79.54 0-144-64.34-144-143.98 0-79.53 64.35-143.98 144-143.98 79.54 0 144 64.34 144 143.98 0 79.53-64.35 143.98-144 143.98zm27.11-152.54l-45.01-13.5c-5.16-1.55-8.77-6.78-8.77-12.73 0-7.27 5.3-13.19 11.8-13.19h28.11c4.56 0 8.96 1.29 12.82 3.72 3.24 2.03 7.36 1.91 10.13-.73l11.75-11.21c3.53-3.37 3.33-9.21-.57-12.14-9.1-6.83-20.08-10.77-31.37-11.35V112c0-4.42-3.58-8-8-8h-16c-4.42 0-8 3.58-8 8v16.12c-23.63.63-42.68 20.55-42.68 45.07 0 19.97 12.99 37.81 31.58 43.39l45.01 13.5c5.16 1.55 8.77 6.78 8.77 12.73 0 7.27-5.3 13.19-11.8 13.19h-28.1c-4.56 0-8.96-1.29-12.82-3.72-3.24-2.03-7.36-1.91-10.13.73l-11.75 11.21c-3.53 3.37-3.33 9.21.57 12.14 9.1 6.83 20.08 10.77 31.37 11.35V304c0 4.42 3.58 8 8 8h16c4.42 0 8-3.58 8-8v-16.12c23.63-.63 42.68-20.54 42.68-45.07 0-19.97-12.99-37.81-31.59-43.39z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-84f8dc5\" data-id=\"84f8dc5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b769285 elementor-widget elementor-widget-heading\" data-id=\"b769285\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 12<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1182b44\" data-id=\"1182b44\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a92f381 elementor-widget elementor-widget-heading\" data-id=\"a92f381\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Appraisal<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-df81b13 elementor-widget elementor-widget-spacer\" data-id=\"df81b13\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f442103 elementor-widget elementor-widget-text-editor\" data-id=\"f442103\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you are getting a mortgage, the lender will order an <a href=\"http:\/\/pennhenderson.com\/helpie_faq\/property-values-assessed-vs-appraised-vs-market\/\">appraisal<\/a> of the property. If you are a cash buyer, no appraisal is required. Banks will lend you a certain percentage based on the appraised value, not based on the purchase price.<\/p><p><em><strong>Example:<\/strong><\/em> If you purchase a property for $1,000,000 with loan terms specifying an 80% loan to value (LTV), then if the appraisal comes in at $990,000, the bank will only lend you 80% of $990,000.<\/p><p><strong>The appraisal fee is paid by you, the buyer<\/strong> \u2013 which your mortgage broker should discuss with you.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-50fe0f3 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50fe0f3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-d963634\" data-id=\"d963634\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7fc63d4 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"7fc63d4\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-walking\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M208 96c26.5 0 48-21.5 48-48S234.5 0 208 0s-48 21.5-48 48 21.5 48 48 48zm94.5 149.1l-23.3-11.8-9.7-29.4c-14.7-44.6-55.7-75.8-102.2-75.9-36-.1-55.9 10.1-93.3 25.2-21.6 8.7-39.3 25.2-49.7 46.2L17.6 213c-7.8 15.8-1.5 35 14.2 42.9 15.6 7.9 34.6 1.5 42.5-14.3L81 228c3.5-7 9.3-12.5 16.5-15.4l26.8-10.8-15.2 60.7c-5.2 20.8.4 42.9 14.9 58.8l59.9 65.4c7.2 7.9 12.3 17.4 14.9 27.7l18.3 73.3c4.3 17.1 21.7 27.6 38.8 23.3 17.1-4.3 27.6-21.7 23.3-38.8l-22.2-89c-2.6-10.3-7.7-19.9-14.9-27.7l-45.5-49.7 17.2-68.7 5.5 16.5c5.3 16.1 16.7 29.4 31.7 37l23.3 11.8c15.6 7.9 34.6 1.5 42.5-14.3 7.7-15.7 1.4-35.1-14.3-43zM73.6 385.8c-3.2 8.1-8 15.4-14.2 21.5l-50 50.1c-12.5 12.5-12.5 32.8 0 45.3s32.7 12.5 45.2 0l59.4-59.4c6.1-6.1 10.9-13.4 14.2-21.5l13.5-33.8c-55.3-60.3-38.7-41.8-47.4-53.7l-20.7 51.5z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6d07db3\" data-id=\"6d07db3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b18ce7 elementor-widget elementor-widget-heading\" data-id=\"7b18ce7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 13<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-e28f65e\" data-id=\"e28f65e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2c0b096 elementor-widget elementor-widget-heading\" data-id=\"2c0b096\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Final Walk Through<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2afe1bd elementor-widget elementor-widget-spacer\" data-id=\"2afe1bd\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fcb41e elementor-widget elementor-widget-text-editor\" data-id=\"8fcb41e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A few days before the property closes at recording \u2013 the date you take ownership \u2013 you will typically have the opportunity for a final walk-through of the property to ensure it is in the same condition as it was during the home inspection. You will want to make sure the Seller has removed garbage and personal belongings that are not part of the contract. <strong>If items were negotiated with the Seller to be fixed after the home inspection &#8211; ensure such issues have indeed been fixed.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-e1247e9 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e1247e9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-11d0bff\" data-id=\"11d0bff\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-175d321 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"175d321\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-flag-checkered\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M243.2 189.9V258c26.1 5.9 49.3 15.6 73.6 22.3v-68.2c-26-5.8-49.4-15.5-73.6-22.2zm223.3-123c-34.3 15.9-76.5 31.9-117 31.9C296 98.8 251.7 64 184.3 64c-25 0-47.3 4.4-68 12 2.8-7.3 4.1-15.2 3.6-23.6C118.1 24 94.8 1.2 66.3 0 34.3-1.3 8 24.3 8 56c0 19 9.5 35.8 24 45.9V488c0 13.3 10.7 24 24 24h16c13.3 0 24-10.7 24-24v-94.4c28.3-12.1 63.6-22.1 114.4-22.1 53.6 0 97.8 34.8 165.2 34.8 48.2 0 86.7-16.3 122.5-40.9 8.7-6 13.8-15.8 13.8-26.4V95.9c.1-23.3-24.2-38.8-45.4-29zM169.6 325.5c-25.8 2.7-50 8.2-73.6 16.6v-70.5c26.2-9.3 47.5-15 73.6-17.4zM464 191c-23.6 9.8-46.3 19.5-73.6 23.9V286c24.8-3.4 51.4-11.8 73.6-26v70.5c-25.1 16.1-48.5 24.7-73.6 27.1V286c-27 3.7-47.9 1.5-73.6-5.6v67.4c-23.9-7.4-47.3-16.7-73.6-21.3V258c-19.7-4.4-40.8-6.8-73.6-3.8v-70c-22.4 3.1-44.6 10.2-73.6 20.9v-70.5c33.2-12.2 50.1-19.8 73.6-22v71.6c27-3.7 48.4-1.3 73.6 5.7v-67.4c23.7 7.4 47.2 16.7 73.6 21.3v68.4c23.7 5.3 47.6 6.9 73.6 2.7V143c27-4.8 52.3-13.6 73.6-22.5z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-42de253\" data-id=\"42de253\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16c1873 elementor-widget elementor-widget-heading\" data-id=\"16c1873\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 14<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1b5a289\" data-id=\"1b5a289\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4936188 elementor-widget elementor-widget-heading\" data-id=\"4936188\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Final Signing<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a80d5b elementor-widget elementor-widget-spacer\" data-id=\"2a80d5b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-339b355 elementor-widget elementor-widget-text-editor\" data-id=\"339b355\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>The Deed<\/strong> <em>(the legal document that transfers ownership from one person to another)<\/em> must be signed in front of a public notary, usually occurring at the office of the escrow company.<\/p><p>If you are out of town, signing can be accomplished at the escrow company\u2019s office on the mainland, a mobile notary, or at a US embassy in whatever country you may be present. There are other ways to handle the process too, but these are the most common ways.<\/p><p><strong>There are several other documents that need to be signed in addition<\/strong> &#8211; shortly before recordation, though not in front of a notary. These include Tentative Buyer Statement, Preliminary Title Report, Conveyance Tax Certificate, Termite Inspection Report &amp; Satisfaction Waiver.<\/p><p>The original signed deed and all other signed documents, in addition to the final balance of the purchase price plus closing costs must be with the escrow company by noon, 2 business days prior to recordation (closing).<\/p><p>Once everything is in order, the escrow company will complete the process by submitting your transaction to the Bureau of Conveyances on Oahu for official recording.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-inner-section elementor-element elementor-element-e2938cc elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e2938cc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-077b6a2\" data-id=\"077b6a2\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f3d90bd elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f3d90bd\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-key\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M512 176.001C512 273.203 433.202 352 336 352c-11.22 0-22.19-1.062-32.827-3.069l-24.012 27.014A23.999 23.999 0 0 1 261.223 384H224v40c0 13.255-10.745 24-24 24h-40v40c0 13.255-10.745 24-24 24H24c-13.255 0-24-10.745-24-24v-78.059c0-6.365 2.529-12.47 7.029-16.971l161.802-161.802C163.108 213.814 160 195.271 160 176 160 78.798 238.797.001 335.999 0 433.488-.001 512 78.511 512 176.001zM336 128c0 26.51 21.49 48 48 48s48-21.49 48-48-21.49-48-48-48-48 21.49-48 48z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-41a3a0d\" data-id=\"41a3a0d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-151dd2f elementor-widget elementor-widget-heading\" data-id=\"151dd2f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Step # 15<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-403b262\" data-id=\"403b262\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e846077 elementor-widget elementor-widget-heading\" data-id=\"e846077\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Record Ownership & Get Your Keys!<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-1aeb603 elementor-widget elementor-widget-spacer\" data-id=\"1aeb603\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53eb6f1 elementor-widget elementor-widget-image\" data-id=\"53eb6f1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/closing-on-your-hawaii-home.jpg\" class=\"attachment-large size-large wp-image-18606\" alt=\"Big Island Home Buying Process\" srcset=\"https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/closing-on-your-hawaii-home.jpg 800w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/closing-on-your-hawaii-home-300x150.jpg 300w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/closing-on-your-hawaii-home-768x384.jpg 768w, https:\/\/pennhenderson.com\/wp-content\/uploads\/2020\/12\/closing-on-your-hawaii-home-496x248.jpg 496w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d844d62 elementor-widget elementor-widget-text-editor\" data-id=\"d844d62\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>On the date of recordation, escrow will be informed by the Bureau of Conveyance (the government office where the deed is recorded) that the new deed has recorded. Escrow will notify both Penn and the Seller\u2019s agent (typically before 9:00 am) that it has successfully recorded.<\/p><p><strong>It is official \u2013 you are now the legal owner \u2013 congratulations!<\/strong>\u00a0 You will get the property keys and can move in.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5a55e6a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a55e6a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c45843\" data-id=\"7c45843\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15e5586 elementor-widget elementor-widget-html\" data-id=\"15e5586\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<!-- Start of Async Drift Code -->\n<script>\n\"use strict\";\n\nfunction LoadDriftWidget() {\n  var t = window.driftt = window.drift = window.driftt || [];\n  if (!t.init) {\n    if (t.invoked) return void (window.console && console.error && console.error(\"Drift snippet included twice.\"));\n    t.invoked = !0, t.methods = [ \"identify\", \"config\", \"track\", \"reset\", \"debug\", \"show\", \"ping\", \"page\", \"hide\", \"off\", \"on\" ], \n    t.factory = function(e) {\n      return function() {\n        var n = Array.prototype.slice.call(arguments);\n        return n.unshift(e), t.push(n), t;\n      };\n    }, t.methods.forEach(function(e) {\n      t[e] = t.factory(e);\n    }), t.load = function(t) {\n      var e = 3e5, n = Math.ceil(new Date() \/ e) * e, o = document.createElement(\"script\");\n      o.type = \"text\/javascript\", o.async = !0, o.crossorigin = \"anonymous\", o.src = \"https:\/\/js.driftt.com\/include\/\" + n + \"\/\" + t + \".js\";\n      var i = document.getElementsByTagName(\"script\")[0];\n      i.parentNode.insertBefore(o, i);\n    };\n  }\n  drift.SNIPPET_VERSION = '0.3.1';\n  drift.load('86xn4cdehutk');\n};\nfunction loadDriftWidgetOnScroll() { LoadDriftWidget(); window.removeEventListener('scroll', loadDriftWidgetOnScroll); } window.addEventListener('scroll', loadDriftWidgetOnScroll); \n<\/script>\n<!-- End of Async Drift Code -->\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>LOOKING TO BUY? Utilize these 15-STEPS to help simplify the home buying process and gain a better understanding of how to buy your Big Island home with Kona REALTOR\u00ae, Penn Henderson (RS). If you are new to the home buying process, it can seem a bit daunting at first. Even for those who have purchased [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":44195,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[117],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v22.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hawaii Home Buying Process - 15-Step Guide to Buying a Home<\/title>\n<meta name=\"description\" content=\"Understanding the home buying process in Hawaii is a key element of a successful purchase. 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