hawaiianrealty.com hawaiianrealty.com * hawaiianrealty.com. hawaiianrealty.com. hawaiianrealty.com GO WITH THE FLOW! ED HAWAI'I LIFE REAL ESTATE BROKE hawaiianrealty.com 800-667-5028 ext. 8122 Denise S. Nakanishi RB-17031, ABR, CRS, GRI, SRS "Major Mom is a Major Difference" Like most folks, my first impressions of living near an active can be fully covered up to $350,000. There are really no inferior, more expensive loan programs. Most of what's left of volcano came from an old "B" movie. Those of us who live other insurance options in most hazardous lava zones Leilani Estates and Hawaian Ocean View estates is in Zone on Hawai Island would certainly take exception to that "run Back in the day many larger insurance carriers (State Farm, 1. Interestingly, Kalapana, Kehena, the Hawaian Beaches for your life characterization. Years ago, water catchment Allstate, USAA) stepped in and then stepped back out of complex and even parts of now covered Royal Gardens are was an immediate disqualifier for many buyers. The "8" these areas. We keep hoping for some relief in this regard, in Zone 2. Ainaloa, HPP and Hilo are all Zone 3. Zones in movie effect elevated lava zones to the same level. The Although pricing will never again compete with that outside East Hawai are delineated relative to the East Rift Zone. thing is, then, as now, buyers focus on privacy, ambiance... Zones 1&2, the fact properties are much more affordable Hawaian Ocean View Estates sits along the West RiftZone and price! In East Hana, what they seek is often partially compensates. Of larger impact to homeowners and is also Zone 1. I always recommend that buyers work found in Puna where catchment is the norm and is the issue of exclusion by many lenders willing to loan in with local mortgage brokers (our local banks exclude zones well as they say, lava happens. These days, Zones 182. In my mind, the Famie/Gimie exclusion issue 182) Mainland underwriters seem to get jittery when they REALTORS® rarely hear complaints about is a zoning issue and should never have become a lender see the word "lave" in an appraisal report. They ask for catchment but turmoil related to lava is issue. Because lenders are fully insured (or the loan fails), our "lave coverage". It doesn't exist. Homes are covered under constant (especially now that Mauna Loa is awake local zoning authorities should determine when an area is too the normal fire policy. Never mind that the rest of the world again Lava complicates everything from loans to insurance dangerous for habitation Limited lending causes property faces the daily possibility of a variety of unpredictable natural Technical information regarding lava zones can be found in values to decline by driving up inventory and decreasing disasters, those faded "B" movie memories seem to survive the USGS website or in a brochure entitled "Volcanic and demand. Puna (and HOVE) are the most affordable areas in common sense. Seems to me they need to understand that Seismic Hazards on the Island of Hawai". Through what the State Buyers need as many loan programs as possible here on Hawai Island, we just leam to go with the flow! majormom@ilhawaii.net was formerly known as the "State" or "HPIA" plan, homes available to them. The current exclusion forces buyers into Blog forward at www.hawaiianrealtyhomes.com FIND MY COLUMN EVERY SUNDAY OF THE MONTH. Watch "HAWAII LIFE" on YouTube! cell 808-936-5100 $1,295M BEST Hawaii 35TH ANNIVERSARY 2022 East hawaiianrealty.com. hawaiianrealty.com hawaiianrealty.com Huge Opportunity: Own 392.42 AC! NEW LISTING! Moaula Farms Sub'd. Ag estate quality outside of Pahala with ocean views, access from paved rd. & green living! MLS #666734 hawaiianrealty.com hawaiianrealty.com hawaiianrealty.com hawaiianrealty.com * hawaiianrealty.com . hawaiianrealty.com . hawaiianrealty.com GO WITH THE FLOW ! ED HAWAI'I LIFE REAL ESTATE BROKE hawaiianrealty.com 800-667-5028 ext . 8122 Denise S. Nakanishi RB - 17031 , ABR , CRS , GRI , SRS " Major Mom is a Major Difference " Like most folks , my first impressions of living near an active can be fully covered up to $ 350,000 . There are really no inferior , more expensive loan programs . Most of what's left of volcano came from an old " B " movie . Those of us who live other insurance options in most hazardous lava zones Leilani Estates and Hawaian Ocean View estates is in Zone on Hawai Island would certainly take exception to that " run Back in the day many larger insurance carriers ( State Farm , 1. Interestingly , Kalapana , Kehena , the Hawaian Beaches for your life characterization . Years ago , water catchment Allstate , USAA ) stepped in and then stepped back out of complex and even parts of now covered Royal Gardens are was an immediate disqualifier for many buyers . The " 8 " these areas . We keep hoping for some relief in this regard , in Zone 2. Ainaloa , HPP and Hilo are all Zone 3. Zones in movie effect elevated lava zones to the same level . The Although pricing will never again compete with that outside East Hawai are delineated relative to the East Rift Zone . thing is , then , as now , buyers focus on privacy , ambiance ... Zones 1 & 2 , the fact properties are much more affordable Hawaian Ocean View Estates sits along the West RiftZone and price ! In East Hana , what they seek is often partially compensates . Of larger impact to homeowners and is also Zone 1. I always recommend that buyers work found in Puna where catchment is the norm and is the issue of exclusion by many lenders willing to loan in with local mortgage brokers ( our local banks exclude zones well as they say , lava happens . These days , Zones 182. In my mind , the Famie / Gimie exclusion issue 182 ) Mainland underwriters seem to get jittery when they REALTORS® rarely hear complaints about is a zoning issue and should never have become a lender see the word " lave " in an appraisal report . They ask for catchment but turmoil related to lava is issue . Because lenders are fully insured ( or the loan fails ) , our " lave coverage " . It doesn't exist . Homes are covered under constant ( especially now that Mauna Loa is awake local zoning authorities should determine when an area is too the normal fire policy . Never mind that the rest of the world again Lava complicates everything from loans to insurance dangerous for habitation Limited lending causes property faces the daily possibility of a variety of unpredictable natural Technical information regarding lava zones can be found in values to decline by driving up inventory and decreasing disasters , those faded " B " movie memories seem to survive the USGS website or in a brochure entitled " Volcanic and demand . Puna ( and HOVE ) are the most affordable areas in common sense . Seems to me they need to understand that Seismic Hazards on the Island of Hawai " . Through what the State Buyers need as many loan programs as possible here on Hawai Island , we just leam to go with the flow ! majormom@ilhawaii.net was formerly known as the " State " or " HPIA " plan , homes available to them . The current exclusion forces buyers into Blog forward at www.hawaiianrealtyhomes.com FIND MY COLUMN EVERY SUNDAY OF THE MONTH . Watch " HAWAII LIFE " on YouTube ! cell 808-936-5100 $ 1,295M BEST Hawaii 35TH ANNIVERSARY 2022 East hawaiianrealty.com . hawaiianrealty.com hawaiianrealty.com Huge Opportunity : Own 392.42 AC ! NEW LISTING ! Moaula Farms Sub'd . Ag estate quality outside of Pahala with ocean views , access from paved rd . & green living ! MLS # 666734 hawaiianrealty.com hawaiianrealty.com