Honolulu, Diamond Head, and Makiki real estate and homes for sale in Hawaii - Fred Lunt, REALTOR® Fred Lunt REALTOR(r) for Honolulu, Diamond Head, and Makiki, Hawaii real estate - NUMBER1EXPERT™ Fred Lunt NUMBER1EXPERT(tm) for Honolulu, Diamond Head, and Makiki, Hawaii real estate
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Fred Lunt, REALTOR®, real estate agent and broker for Honolulu, Diamond Head, and Makiki Hawaii home listings, property and land for sale - NUMBER1EXPERT(tm)
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I always tell people if they are ever in need of professional real esate service call Fred Lunt.
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Coldwell Banker Pacific Properties real estate and homes for sale in Honolulu, Diamond Head, and Makiki Hawaii
Fred M. Lunt,
Vice President, C.C.I.M.
Coldwell Banker
Pacific Properties

Real Estate - Homes - NUMBER1EXPERTS Sell More!
Fred Lunt is one of The Top Selling Real Estate Experts™
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Resources: Honolulu, Diamond Head, and Makiki Hawaii home buying, real estate listings, and homes for sale in Honolulu                       County, HI
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Special Offers: Special offers for Honolulu, Diamond Head, and Makiki homeowners from Fred Lunt, top Realtor
Affiliates: Fred Lunt's real estate web site affiliates
eNewsletter: Fred Lunt's Honolulu, Diamond Head, and Makiki newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, Hawaii, and United States
Market Conditions Report: Market conditions report for this area, Hawaii, and United States
Real Estate Statistics: Monthly Statistical Reports
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Honolulu, Diamond Head, and Makiki Hawaii mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in Hawaii or buy your own Honolulu, Diamond Head, and Makiki house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Honolulu, Diamond Head, and Makiki mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask Fred Lunt anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: Fred Lunt's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Fred Lunt's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Honolulu, Diamond Head, and Makiki property in Hawaii, including legal terms definitions, and more



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Real Estate Tips
About Appraisals >Working With Appraisers

After the buyer and seller come to a "meeting of the minds" on the price of a house, there is one more person who must be convinced that the house is worth the selling price--the mortgage company's appraiser.

The appraiser looks for three similar houses that have sold in the same area within the last several months, and compares the selling prices of these homes with the one that is now on the market. The appraiser makes adjustments to account for the differences in each property, and averages the adjusted prices of the other three homes to arrive at a final opinion of value. In subdivisions or condominium projects where there are many similar properties and numerous recent sales, the appraiser's job is relatively easy. In neighborhoods of older homes that have been renovated or remodeled over the years, it can be like comparing apples and oranges.

If the appraiser's evaluation is lower than the selling price, it can stall the transaction because the lender may decline the buyer's loan because of the discrepancy. A real estate agent can work to minimize potential delays associated with the appraisal process by helping the seller to price the home as close to fair market value as possible.

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Real Estate Trivia
Q 
What oceanfront area is currently the most popular choice among people searching for second homes and vacation homes?

A 
According to statistic published early in 2005, the Florida coast is the most sought-after vacation and retirement destination in the United States.
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Fred Lunt, REALTOR®, real estate agent and broker for Honolulu, Diamond Head, and Makiki Hawaii home listings, property and land for sale - NUMBER1EXPERT(tm)

Fred Lunt
Coldwell Banker Pacific Properties

1314 So. King Street, 2nd floor
Honolulu, HI 96814
Cellular: 808 295-2819
Digital Pager: 808 279-4347
Fax: 808 593-2944
Email: FredLunt@NUMBER1EXPERT.com

I have spent my entire professional life—the past 28 years—as a Realtor here on Oahu, where I was born and raised. I was educated at Punahou School, and thereafter earned a degree in Communications from the University of Southern California. In every one of the last 15 years I have ranked in the top 1% of all real estate agents on Oahu. During the past 15 years, I have consistently ranked in the top five agents in the entire firm, achieving the Top Producer in two of those years, and the 2nd or 3rd Top Producer in eight of those years. I enjoy an detailed knowledge of every neighborhood on Oahu, and a excellent working knowledge of the other Hawaiian Islands, as well. Having been with the same brokerage firm for all of these years, I am comfortable and experienced in virtually every kind of real estate transaction: whether it be an investment property or condominium, a lavish ocean front estate, or a modest family home. No transaction can be either too large or too small to command my full energy and attention. My C.C.I.M. designation, earned in 1994, puts me in a cadre of several thousand Realtors nationwide who specialize in commercial or investment real estate, 1031 Exchanges, and installment sales. My International President’s Elite designation at Coldwell Banker, earned for each of the past 6 years, puts me in the top 1% of all Coldwell Banker agents nationwide. I live on Tantalus mountain above Honolulu with my wife, Alice, and two children, Ginger and Jessica. My other interests include swimming, running, long board surfing, and Hawaiian music. I play steel and slack key guitar and have recorded with Taj Mahal and the Hula Blues Band. Whether you are a buyer or a seller, I can promise you the personal integrity, professional competence, and depth of knowledge that will earn your confidence.


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