- 205
- 202 992
Sandy Ohyama - Living in West Oahu
United States
เข้าร่วมเมื่อ 9 ธ.ค. 2013
ABOUT SANDY:
Sandy Ohyama is a Hawaii Realtor Associate, a residential, & relocation specialist with eXP Realty. This channel will help you learn everything there is to know about living in WEST OAHU, Honolulu, Ewa Beach, Kapolei and surrounding communities. If you are interested in buying, selling or investing in the Honolulu, Ewa Beach, Kapolei and surrounding areas, please let me know. Military Relocation Specialist.
Topics for this channel will include :
💮 Client Testimony
💮 Local attractions and events
💮 New Home Construction
💮 Cost of Living
💮 Pros and Cons of living in Hawaii
💮 Market updates and how you can leverage the market
🇯🇵 speaks Japanese.
🐶 Sandy loves dogs and anything sweet.
Check out other social media channels for Sandy
⭐️Facebook : Hawaii-Real-Estate-Sandy-Ohyama-EXP-Realty-103594602332731
⭐️Instagram : sandyohyama
⭐️Linkedin : www.linkedin.com/in/sandy-ohyama-ra-3536059a/
Sandy Ohyama is a Hawaii Realtor Associate, a residential, & relocation specialist with eXP Realty. This channel will help you learn everything there is to know about living in WEST OAHU, Honolulu, Ewa Beach, Kapolei and surrounding communities. If you are interested in buying, selling or investing in the Honolulu, Ewa Beach, Kapolei and surrounding areas, please let me know. Military Relocation Specialist.
Topics for this channel will include :
💮 Client Testimony
💮 Local attractions and events
💮 New Home Construction
💮 Cost of Living
💮 Pros and Cons of living in Hawaii
💮 Market updates and how you can leverage the market
🇯🇵 speaks Japanese.
🐶 Sandy loves dogs and anything sweet.
Check out other social media channels for Sandy
⭐️Facebook : Hawaii-Real-Estate-Sandy-Ohyama-EXP-Realty-103594602332731
⭐️Instagram : sandyohyama
⭐️Linkedin : www.linkedin.com/in/sandy-ohyama-ra-3536059a/
Home Buying Process: Mortgage Pre Qualification VS Pre Approval
Do you know the difference between pre qualification vs pre approval? Why is it important and how knowing the difference can help you with your mortgage pre approval and pre qualification process. Buying a home is a a task and having the proper knowledge of what you need will greatly help you with your task.
🔴 SUBSCRIBE TO MY CHANNEL!! 🔴
🌺 ABOUT SANDY 🌺
Sandy Ohyama is a Hawaii Realtor Associate, a residential, and relocation specialist with eXP Realty. Sandy is a Multi Million Dollar Producing Agent serving the Honolulu, Ewa Beach, Kapolei and surrounding communities. If you are interested in buying, selling or investing in the Honolulu,, Ewa Beach, Kapolei and surrounding areas, please let me know.
⭐️ MILITARY RELOCATION SPECIALIST ⭐️
🤩 CONTACT ME 🤩
📱Call/TEXT: 808-428-3170
📩Email : sohyama1@gmail.com
www.sandyohyama.com
🔴 JOIN ME AND THE 🐺WOLFPACK🐺 AT eXp REALTY! 🔴
Benefits of Joining the Wolfpack
🏆 FREE 2022 Social Media Training on every platform. (Tiktok, Instagram, Facebook, TH-cam, etc)
🏆 4 LIVE MASTERMIND CALLS per week lead by Connor Steinbrook (creator of Wolfpack) and Mike Sherrard (Leader of Wolfpack)
🏆FREE custom plans for BRANDING, CONTENT & MARKETING
AND MORE !
🔴 SOCIALS 🔴
FOLLOW ME ON SOCIAL MEDIA :
⭐️ Facebook : sandyhawaiiexp
⭐️ Instagram : sandyohyama
⭐️ Linkedin : www.linkedin.com/in/sandy-ohyama-ra-3536059a/
🔴 SUBSCRIBE TO MY CHANNEL!! 🔴
🌺 ABOUT SANDY 🌺
Sandy Ohyama is a Hawaii Realtor Associate, a residential, and relocation specialist with eXP Realty. Sandy is a Multi Million Dollar Producing Agent serving the Honolulu, Ewa Beach, Kapolei and surrounding communities. If you are interested in buying, selling or investing in the Honolulu,, Ewa Beach, Kapolei and surrounding areas, please let me know.
⭐️ MILITARY RELOCATION SPECIALIST ⭐️
🤩 CONTACT ME 🤩
📱Call/TEXT: 808-428-3170
📩Email : sohyama1@gmail.com
www.sandyohyama.com
🔴 JOIN ME AND THE 🐺WOLFPACK🐺 AT eXp REALTY! 🔴
Benefits of Joining the Wolfpack
🏆 FREE 2022 Social Media Training on every platform. (Tiktok, Instagram, Facebook, TH-cam, etc)
🏆 4 LIVE MASTERMIND CALLS per week lead by Connor Steinbrook (creator of Wolfpack) and Mike Sherrard (Leader of Wolfpack)
🏆FREE custom plans for BRANDING, CONTENT & MARKETING
AND MORE !
🔴 SOCIALS 🔴
FOLLOW ME ON SOCIAL MEDIA :
⭐️ Facebook : sandyhawaiiexp
⭐️ Instagram : sandyohyama
⭐️ Linkedin : www.linkedin.com/in/sandy-ohyama-ra-3536059a/
มุมมอง: 47
วีดีโอ
Expert Advice: The Hidden Value of a Buyers Agent
มุมมอง 4110 หลายเดือนก่อน
This episode talks about the hidden value and importance of hiring a buyers agent when purchasing a house. What are the values you earn when you have a buyers agent on your side working with you? 🔴 SUBSCRIBE TO MY CHANNEL!! 🔴 🌺 ABOUT SANDY 🌺 Sandy Ohyama is a Hawaii Realtor Associate, a residential, and relocation specialist with eXP Realty. Sandy is a Multi Million Dollar Producing Agent servi...
Find out How the Buyers Agents Commission Lawsuit Impacts Real Estate's Future
มุมมอง 3511 หลายเดือนก่อน
The recent lawsuit filed by the seller to contest the payment of buyer commissions can have significant impact for the future of real estate. In this podcast, Mike Chung of Loan Depot, a local mortgage expert, and Sandy Ohyama, Hawaii real estate agent, talks about how the law suit and the verdict can impact how real estate business is conducted in the future. How will the courts judgement impa...
Don't Miss Out: Buying Down Rates - Inside Tips from the Lender
มุมมอง 1811 หลายเดือนก่อน
Weekly real estate podcast with Sandy Ohyama of EXP REALTY and loan Depot lending expert, Mike Chung. This week we tackle the topic of buying down rates. How to do it and what its all about. Ask your mortgage expert about lending questions so you are educated about mortgages. 🔴 SUBSCRIBE TO MY CHANNEL!! 🔴 🌺 ABOUT SANDY 🌺 Sandy Ohyama is a Hawaii real estate expert, a residential, and relocation...
Prepare for 2024 real estate market: Buyer and seller tips
มุมมอง 48ปีที่แล้ว
Loan expert, Mike Chung of Loan Depot and local real estate professional, Sandy Ohyama, talk about tips and tricks for buyers and sellers to prepare for the real estate market in 2024. Mike and Sandy will talk about 2024 predictions for the real estate market. What will interst rates do? Is investing a good idea? Listen and learn from the real estate experts, what 2024 can bring for you. Invest...
Discover the Perfect Corner Property in Kamakana : Single Family Home Tour
มุมมอง 202ปีที่แล้ว
Welcome to the tour of this amazing house for sale in Hoakalei. If you are looking for a home for sale in Ewa Beach with its extra pantry space and built-in cabinets, this house is a dream come true for anyone who loves organization. Don't miss out on the chance to see this gem for yourself. This single family home for sale in Ewa Beach also offers a VA assumable loan so financing can be a bree...
2023 & Beyond: Decoding Honolulu's Real Estate Market PODCAST
มุมมอง 43ปีที่แล้ว
A new weekly podcast featuring 2 local experts in the real estate market. Tune in every week to listen to Mike Chung of Loan Depot, and Sandy Ohyama of EXP REALTY talk about key real estate issues on Oahu. Get buyer and seller tips that you cant get anywhere else, plus the latest on local issues. We will also have guests to talk about best real estate investment practices. On occasion we will b...
Dream Living in Ewa Beach : Luxury Hokalaei Home for Sale
มุมมอง 1.3Kปีที่แล้ว
Living in Ewa Beach has never been better with this 5 bedrooms 3.5 baths home,ensuring ample space for family and guests. This house for sale in Ewa Beach is spectacular! Its a must see and you won't want to miss this tour. As a resident of Hoakalei, you'll enjoy access to exclusive neighborhood amenities such as a recreation center, gym, swimming pool, and tennis courts, enhancing your living ...
Hawaii Kai Luxury Home Showcase: Elegant Marina House for Sale
มุมมอง 1.2Kปีที่แล้ว
Welcome to your next home in paradise! This luxurious house for sale in Hawaii Kai, is a masterpiece of design and comfort. Situated in the tranquil Mariner's Cove, this home for sale is a standout in the Hawaii Kai luxury market, offering a newly renovated interior with four well-appointed bedrooms and three modern bathrooms. Step outside to a backyard designed for the ultimate in relaxation a...
Inside the Stunning Hoakalei Single Family Home: A Must-See Home Tour
มุมมอง 273ปีที่แล้ว
Living in Ewa Beach has never been better. If you are searching for a house for sale in Ewa Beach, then look no further. This single family home in Hoakalei is an absolute GEM. This is an Ewa BEach house tour you don't want to miss. Sandy Ohyama is a Hawaii real estate agent, who specializes in the Ewa Beach and Kapolei communities. Ask your local hawaii real estate expert about Hawaii real est...
Surprising Local Market Update: What You Need to Know : Ewa Beach, Hawaii
มุมมอง 55ปีที่แล้ว
Get your local market update for September 2023 right here for Oahu and the Ewa Beach area. In this video, your local real estate agent and expert, Sandy Ohyama, will walk you through whats going on in your local housing market. If you are considering moving to Hawaii, then you have to know what going on in the honolulu real estate market right now. 🔴 SUBSCRIBE TO MY CHANNEL!! 🔴 🌺 ABOUT SANDY 🌺...
New Homes For Sale in Ewa Beach and Kapolei- Things They DON’T Tell You
มุมมอง 658ปีที่แล้ว
New Homes For Sale in Ewa Beach Hawaii - Things They DON’T Tell You. We've seen a little bit of a shake-up here in the Hawaii Real estate market. The one thing that we are seeing that is impossible to get in to he last 2 years is new home construction. There are disadvantages to getting in and out, but there are also major advantages. In this video, we are going to talk about the new constructi...
Where Should I Live When Moving To Hawaii- Find The Perfect Spot!
มุมมอง 45ปีที่แล้ว
Where Should I Live When Moving To Hawaii? When you’re moving to Ewa Beach, Hawaii, you’re most likely looking for a community that checks most or all of your boxes. And this is different for everyone. In this video we’re going to be covering some of the most popular areas to consider when moving to Ewa Beach, Hawaii. I will show you what its like to live in Kakaako, Ewa Beach, and Kapolei. Liv...
Ewa Beach Cost of Living 2023 - Is It Affordable?
มุมมอง 94ปีที่แล้ว
Ewa Beach Cost of Living 2023 - Is It Affordable? Are you planning on moving to Ewa Beach, Hawaii? Maybe you’re considering moving to Ewa Beach, but you’re curious what it really costs to live here? In this video, and Ewa BEach guide, we’ll take a look at the Ewa Beach, Hawaii Cost of Living 2023, so you can make an informed decision! On this channel, you Hawaii real estate agent, Sandy Ohyama,...
Moving to Ewa Beach PROS and CONS 2023-Everything you need to know!
มุมมอง 116ปีที่แล้ว
Moving to Ewa Beach PROS and CONS 2023-Everything you need to know!
Hawaii Luxury Real Estate: Hawaii Loa Ridge Home with Stunning Views & Modern Elegance!
มุมมอง 4.3Kปีที่แล้ว
Hawaii Luxury Real Estate: Hawaii Loa Ridge Home with Stunning Views & Modern Elegance!
Unlocking Luxury: Your Dream Home Living in Diamond Head
มุมมอง 739ปีที่แล้ว
Unlocking Luxury: Your Dream Home Living in Diamond Head
Waikele Golf Course Home Tour: Living The Good Life In West Oahu
มุมมอง 256ปีที่แล้ว
Waikele Golf Course Home Tour: Living The Good Life In West Oahu
Luxury Living in Hoakalei!Stunning Single Family Home Tour In West Oahu's Hoakalei -
มุมมอง 267ปีที่แล้ว
Luxury Living in Hoakalei!Stunning Single Family Home Tour In West Oahu's Hoakalei -
Discover the Beauty of Living in Makakilo. Single Family Home with Stunning Views
มุมมอง 446ปีที่แล้ว
Discover the Beauty of Living in Makakilo. Single Family Home with Stunning Views
The Perfect Oasis: Convenient Ewa Beach Home For Sale with Exceptional Entertaining Area
มุมมอง 300ปีที่แล้ว
The Perfect Oasis: Convenient Ewa Beach Home For Sale with Exceptional Entertaining Area
Luxury Living at its Finest: Explore this Golf Course Home in Ewa Beach
มุมมอง 316ปีที่แล้ว
Luxury Living at its Finest: Explore this Golf Course Home in Ewa Beach
Discover the Secrets of this Fully Renovated Makakilo Home!
มุมมอง 244ปีที่แล้ว
Discover the Secrets of this Fully Renovated Makakilo Home!
Inside the Enchanting Diamond Head Luxury Home: Hidden Paradise Home Tour
มุมมอง 803ปีที่แล้ว
Inside the Enchanting Diamond Head Luxury Home: Hidden Paradise Home Tour
Discover Your Dream Home: Makakilo's Spectacular Panoramic Views Home Tour
มุมมอง 694ปีที่แล้ว
Discover Your Dream Home: Makakilo's Spectacular Panoramic Views Home Tour
Experience Luxury Living at its Finest in Ocean Pointe: Spectacular Ewa Beach Home Tour
มุมมอง 561ปีที่แล้ว
Experience Luxury Living at its Finest in Ocean Pointe: Spectacular Ewa Beach Home Tour
Peek Inside the Most Exquisite Hoakalei Golf Course Home - $1.695 Million Luxury Living!
มุมมอง 797ปีที่แล้ว
Peek Inside the Most Exquisite Hoakalei Golf Course Home - $1.695 Million Luxury Living!
Dream House Find: Spectacular Single Family Home in Hawaii's Ocean Pointe Kuapapa!
มุมมอง 560ปีที่แล้ว
Dream House Find: Spectacular Single Family Home in Hawaii's Ocean Pointe Kuapapa!
Unveiling the Epic Makeover: Moanalua Gardens Home for Sale - Home Tour
มุมมอง 617ปีที่แล้ว
Unveiling the Epic Makeover: Moanalua Gardens Home for Sale - Home Tour
Need an Extra Bedroom? Take a Peek Inside This Incredible Ocean Pointe Home! - Home Tour
มุมมอง 593ปีที่แล้ว
Need an Extra Bedroom? Take a Peek Inside This Incredible Ocean Pointe Home! - Home Tour
I saw another video of a Hawaiian real estate agent doing a inspection of a condo for 1 of her clients😀 do all agent's do the necessary inspections 😀 if memory serves me correctly her client was an out-of-state buyer 😀
The monthly extra payments that you will make is it better towards heloc principal or towards mortgage principal ?
This isn't a "trick" or a hack or even a "Secret" as she made it seem. This is nothing new... this is literally majority of all HELOC options offered.
As someone who lives in hawaii and is kanaka the convertible is right u will get looked at weird😂😂
Oh yeah 😎
Beautiful home! Looks a little too much like a hospital with all the white.
Amazing beautiful home!
Hello do you have a number or website. I have a property I need to take money out on just 10k
🤔 sounds sketchy.......
Info
Of course the bank will...they want the interest that is how they make their money!
Still a close-ended loan. I’ll pass.
As opposed to what?
An equity line of credit @@NormanSmith-k1n
Sounds bad
I didn’t achieve financial freedom until I turned 40. As a US citizen, I raised capital by taking out a home equity loan. The interest rate was much lower than other loans, which made it a smart choice. With patience and discipline, I reinvested my earnings and avoided impulsive decisions. This strategy helped me grow my wealth, eventually allowing me to buy a new home and a car. If you’re looking to raise capital and achieve financial freedom, consider this approach.
It brings me joy to hear that you found my story interesting! I truly believe that without the help of my financial advisor, Regina Louise Collaro, I would not have achieved the success that I did. Her knowledge and guidance in the financial realm were vital in helping me understand the most effective strategies for utilizing my home equity and making wise investments. I am grateful for the support and expertise she provided throughout the process and am confident that it played a significant role in my accomplishments.
I work with Regina Louise Collaro as my fiduciary advisor. Simply look up the name. You would discover the information you needed to schedule an appointment.
Seeing Regina Louise Collaro mentioned here is unexpected. I've harbored mixed feelings about enlisting the services of an investment advisor. To set the record straight, my association with Regina dates back to 2019. She handles approximately 70% of my investments, with me managing the remaining 30%. My principle revolves around prioritizing my financial interests, yet Regina has persuaded me of her wealth of insights into current market conditions and future prospects.
Sorry that house leaves cold
How does this impact the equity owned if you don't pay back principle? Wouldn't your equity ownership be less when the house re-appraised for higher value?
Look up velocity banking with a heloc or any line of credit😊
Why is that a special provision? All mortgages are already top heavy interest loans in the first 20 yrs of the loan. adenium; ha ha ha, as i listen to this over n over this lady is not saying anything of value or anything of any real savings to the consumer. Its funny because she is trying so hard to make you think she is revealing something special to you 😂
HELOC is NEVER a good idea!!!!
Why do you say that? Putting aside any personal feelings about whether debt is ever a good idea, for someone needing to borrow, a HELOC is probably the least expensive option other than a first mortgage.
Arent all HELOCs do that? 😂😂
Right
Cool 😎
*Promosm* 🤷
Yea at how many percent interest 10%
In other words, banks LOVE ❤️ Heloc’s! There’s a reason why their building is bigger than your house.
Banks probably love loans more than HELOC’s because the mortgage is amortized and the HELOC is daily interest
Such an 80's house with new paint no bueno
Why would I want to make interest only payments
Whats the asking price?
In other words, she’s saying there is a period in which u only pay interest. This is short term which is why u could use it for improvements then sell your house during this period in which you are only paying interest. As soon as it sells, pay it all off (interest+principle) But the improvements will likely increase the value and/or help it sell quicker. Meanwhile it is more affordable to do this while only paying interest every month. But the plan should be to sell and pay it off before the next period in which u pay interest+principle.
You’d have to be the best salesperson to renovate and sell a house before the next pay period
@@sethhermosillo3166 Some HELOC’s let you use the line of credit for 10 years and then spend 10 years paying it back
Yeah right, interest only to a certain point. There not gonna let you keep the principal!
What fucking maniac wants their master on the main floor??
Is this a joke? Isn’t 95-100% of all heloc. I’m challenging you to post some real gems 💎 next time
Why would you want to throw away money like that? Sounds like the dumbest financial move you could make.
Facing a financial crunch, especially as seniors, we're pondering the idea of cashing in on our home equity. The question is, should we invest the money, rent, or relocate?
Homeowners seem to be increasingly exploring home equity, especially when faced with critical needs. It's a better option than borrowing from credit cards.
Understanding the economic ebb and flow, seeking guidance from an independent broker familiar with housing and financial markets might be a wise move.
Any suggestions on how to spot a reputable broker with adequate knowledge of both markets?
All the above
what if I only need the loan to make renovations on my current home? would that be possible?
Why would u not want to pay the principal but the interest only ?
Lower payments.
Wait so how long is the interest only period for? You can't be not paying principle indefinitely right or else you have less equity for the house that it could have been re-appraised for higher value?
@@eltonlumban-gaol9781 The initial draw period, with interest only payments required, is often as long as 10 years. And you don't really need to "repay" interest, because as long as you are using less than the full line of credit, you can always take further draws and use the money to pay the interest. Essentially making it a no payment loan, until the draw period ends and it becomes a fully amortized loan like a mortgage.
How long does the draw period last?
Depends on who gave it to you. Mine is 10yrs then 20yrs to pay back after
Or pay nothing and avoid making bad financial decisions like getting a HELC
😂hard to say that when we have an economy ran by democrats 😂
exactly I got one and hate it lol . Got it to start a business and the repayment terms are made to confuse you
@TyWerks how's that working out
Do your debt ratio stop you from attaining and heloc
Yes it does come into the equation. Typically your debt to income ratio should be below 50%.
Excellent information ! Thanks
Thank you!!
Nope not doing that.
Stunning property!
That's pretty 😍
Isn't that ALL HELOC's that have interest only payments for the life of the line of credit?
Can i get a heloc if i have a lien on my mortgage?
Heloc is a second mortgage or a lien on your home in addition to the existing mortgage. Does this answer you question?
Can you recommend a heloc lender that will do a 85 percent or higher ltv ?
Sure let me get you in touch with one of my best lenders. May I have your email so I can send you the information?? I appreciate it
I do have a name of lender if you are still interested.
@@sandyohyama-livinginhawaii808 yes plz
Can you recommend a lender
Whats the minimum credit score
Thanks for your question, your credit score depends on the type of loan you are getting. An FHA, conventional and all other loans carry different criteria. Would you like to find out more?
Fantastic home fir the price!!! Thanks Sandy.👍
A 4 bedroom house is for families. Families need a tub for kids and pets. 2 showers was a mistake.
A nice home only 3x what it would cost in Colorado.
Is there a document of information to review? I am considering moving back home but to afford it, it would be a fixer upper for sure.
Please send me a DM to get more info!