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Fred M. Lunt,
Vice President, C.C.I.M.
Coldwell Banker
Pacific Properties

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Real Estate Dictionary: Honolulu, Diamond Head, and Makiki Hawaii home buying, real estate listings, and homes for sale in Honolulu County, HI

Welcome > Resources > Real Estate Dictionary - A

VA guarantee	An insurance contract for which the Veterans Administration (VA) guarantees the lender's recovery of a designated percentage of the loan amount from the insurer in the event that the borrower defaults on the loan
VA loan, or Government mortgage	A mortgage loan available to qualified military veterans which is guaranteed by the Department of Veteran Affairs, usually offering either no down payment or a low down payment
Valuation	The estimated of value of a property
Variable rate mortgage, or Adjusted rate mortgage	A mortgage with interest rates that may fluctuate based on market conditions
Verification of Deposit	A statement signed by the borrower's financial institution that verifies the current balances in the borrower's accounts
Verification of Employment	A statement signed by the borrower's employer that verifies the borrower's current position and salary
Vest	To pass an immediate right on to a person
Vested	Having the right to withdraw a percentage of a fund before its agreed-upon maturity date; e.g., the percentage vested to individuals with retirement funds differs; if someone is 80% vested, that means they can only withdraw 80% of the funds set aside for them until its maturity
Department of Veterans Affairs (VA)	A federal agency that insures residential mortgages made to eligible military veterans, which thereby encourages loans being made to veterans

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Fred Lunt, REALTORŽ, 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
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Fax: 808 593-2944
Email: FredLunt@NUMBER1EXPERT.com
I have spent my entire professional lifethe past 28 yearsas 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 Presidents 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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