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    • Useful info / Finance / Insurance
    • 2024/06/26 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Must See ! ! For First Time Home Buyers in California ! !

    About CalHFA]

    CalHFA is a program that helps first-time homebuyers to make buying easier.
    It provides loans for down payment ( Down Payment ) and other expenses ( necessary to make the loan ) Closing Cost .

    And this part of the loan does not have to be repaid until you sell the house or do a loan modification ( Refinance ).
    ( Silent Second ) which is designed to make it easier to pay with lower monthly payments.

    The first condition for borrowers is Primary Residence Only, which can only be used to purchase a house to live in.
    And the borrower must be a First Home Buyer ( who has not been a homeowner for at least the past three years ).

    There are income limits by County.
    ( Income Limit ) Must take Home buyer Education Counseling and obtain Certificate.

    [How To Apply]
    Apply only through a Mortgage Broker or Lender that handles CalHFA.
    Documents to be submitted are the same as for other loans.
    ( Pay Stubs, Bank Statement, Tax Return, Employment History, etc. )

    First Mortgage is a Government Loan ( FHA, VA, USDA or Conventional Loan.

    Saving for a down payment can be a challenge. The part of the loan that serves as the down payment is the second mortgage, where the first and second loans are combined together,
    but as I mentioned before, you only need to make the first mortgage ( payment ) payment .

    CalHFA Goverment Loan ( FHA ) would be supported by this program for 3 . 5% ( of the purchase price or the lower of the appraisal value ).
    CalHFA Conventional Loans are supported at 3%.

    Closing Cost Assistance Program is called Zip.

    It is of course possible to get both this and a down payment, but the first mortgage rate will increase by about 1 . 25%.
    This would increase your monthly repayments, so you would need to do a detailed calculation with your loan officer to determine this.

    Even if you purchase through one of these programs, this will not drag on for years, and
    California has a higher real estate appreciation rate than the rest of the country, so in 2 , 3 years you will have Equity and be able to refinance your loan!

    Refinancing will also allow you to eliminate things like Mortgage Insurance that you had to pay because of a small down payment.
    While you are saving up for a down payment, the price of real estate will go up and up. It may be a good time to consider the buying options discussed here.

    There are many things about loans that are not clear.
    In such cases, please leave it to Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mgagee ≪ Mitsuko Miller∩ )
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If we are unable to answer your call, please contact us by clicking on "Send message" below.

    **************************************************************************************************************

    Currently this program is a lottery and we are not sure about the next one.
    We look forward to working with you to prepare for the next one ? Please feel free to contact us !

    **************************************************************** **********************************************

    • Introduction / Life / Housing
    • 2024/06/26 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Feel free to contact us for all your real estate needs in the Seattle area.

    Hello, I am Monko Tronson, a real estate agent.
    We can help you with real estate in the Seattle area as well as introduce you to reliable banks, service companies, etc.
    We cover a wide range of areas from north to south and can help you maximize your profit with minimum expense according to your individual situation ! We can also offer tours if you are coming from other states or Japan. Please feel free to contact us !

    - Full service listing with a competitive 1.5% commission on the sale ! ! -
    ・ Professional photography, advertising and video of the sale, negotiations
    ・ Services necessary for the sale, advice on repairs, etc.
    ・ rebates for sale/purchase packages
    ・ personal counseling available


    We welcome those looking for investment properties from Japan, or those thinking of moving here from Japan.
    If you have any questions, please feel free to contact us. If you have any questions, please feel free to contact us anytime.

    Please contact us !

    ----------------------------------------------------------------
    ≪ Profile
    Ayako Tronson (Tronson Monko) ) ・ Washington State Certified Real Estate Agent

    Born in Hiroshima, Japan. After graduating from Souai University with a degree in Humanities, she studied graphic design at the Art Institute of Seattle, graduating in 2000. After graduation, he started his own online sales company with his partner. She was in charge of designing advertisements, taking and shipping orders, conducting market research, and consulting with clients on their online stores for both domestic and international markets. Later, he became interested in becoming a real estate agent, using his skills in promotion, ad design, and the importance of client relationships. In King, Pierce, and Snohomish counties over the past 4 years, he has personally handled over 165 properties and his team has handled over 200 properties.
    ----------------------------------------------------------------

    [Contact]
    Ayako Tronson/ BHGRE Macy&Co TEL: 425-681-4165
    Email: ayako@macyandco.com

    • Useful info / Finance / Insurance
    • 2024/06/26 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    How to take advantage of the Reverse Mortgage, a loan program for seniors age 62 and older ?.

    Reverse mortgages are designed specifically for seniors age 62 and older. It lends against the difference ) between the Equity ( of your home ( minus your current mortgage ) if you have one , but unlike a regular loan, you do not have to make monthly payments. The only thing you have to pay is property tax and fire insurance. Even if you are paying off your mortgage, you are still paying these taxes and fire insurance, just like someone without a loan. The loan can be paid off when the house is sold. Until you sell it, you have 100% ownership of the property and it is treated the same as a regular loan. The loan can be modified as many times as you want, just like a regular loan.

    Below are some highlights of how you can take advantage of this.

    #1 You can use it to buy a house. As you get older, it can be intimidating to take on debt, but with a reverse mortgage you only need about half the down payment, depending on your age, and you don't have to use 100% cash. If you sell your current home and downsize, you can still keep half of the Cash on hand.

    #2 When you suddenly need cash, for example, a large sum of money for roof repairs, medical bills, or car repairs, problems happen when you least expect it. With a regular loan, monthly payments begin, but with a reverse mortgage, no payments occur. This program was created so that seniors can use their homeownership and not have to worry about money problems.

    #3 Increase your retirement income. We live in a world of fast-paced political and economic change. Even if you think you have a retirement plan in place, you can't help but feel anxious about the future. Recently, financial planners have begun to focus on this reverse mortgage. In addition to Social Security, you can also use a reverse mortgage to generate, for example, $ 1000 extra income each month. ( Unlike in the past, the FHA rules have improved and financial planners are now comfortable recommending this mortgage. The cost of the loan is now the same as a regular loan. )

    Even if you have a loan on your home now, you can convert it to a reverse mortgage. Also, since the income is not paying off the loan, you will only be considered to be able to pay property taxes, fire insurance, and Home Owners Due ( ) if any. We would be happy to help you live a long and meaningful life. Please do not hesitate to contact us ( free of charge ) to discuss any concerns you may have about your own or your parents' retirement.



    There are many questions about loans.
    If you are in such a case, please leave it to Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mogege ≪ Mitsuko Miller∩ )
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If you are unable to answer the phone, please contact us by clicking on the "Send message" link below.

    • Introduction / Life / Housing
    • 2024/06/26 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    < Did you know ? > when you want to buy a house, the first thing you need is the documents from the loan company !

    Most people, when buying a house, will first contact a real estate agent.
    Then you will be asked, "Do you have a Pre-approval Letter?

    ◎What is a Pre-approval Letter ?
    This is a document that the buyer of real estate can use to prove that he or she can go to a loan company for advice and obtain a loan.

    This Pre-approval Letter is the basis for the loan program, but in many cases it takes a long time to actually get a loan because of
    preparation of credit history and bank ・ statements.

    So, if you think "I want to buy a house soon," we recommend that you contact a loan company as soon as possible.

    At Director's Mortgage, we will introduce you to a mortgage company that will satisfy your ・ future plans.

    Buying a house is a big purchase in your life. You want to make a careful decision.

    If this is the case, please contact Mitsuko Miller.

    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mogege ≪ Mitsuko Miller∩ )
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If you are unable to answer the phone, please contact us by clicking on the "Send message" link below.

    • Introduction / Life / Housing
    • 2024/06/26 (Wed)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    For those who want to pay off their loans quickly !. A Savings Plan to Avoid Regrets in Retirement

    Many people see a loan as a debt and want to pay it off as quickly as possible !. However, if you put off saving and only put money toward repayment, you may find yourself in a difficult situation when you retire.

    ■ Home values increase every year
    Across the U.S., home prices are expected to increase by an average of about 4% per year. The figure is only 4%, but since home prices are large in value, a 4% increase is a significant amount of money. In this way, it can be said that the price of a house rises by itself just by living in it.

    ■ Do you have a retirement savings plan ?
    Japanese people are very serious and many of them want to pay off their loans as soon as possible.
    However, if all the money that should be saved for retirement were to be used to pay off loans, you would end up living on your pension alone. While it is important to repay loans, it is equally important to save for a comfortable life in retirement. The key point here is what I mentioned earlier: "The value of a house increases by 4% per year. Since the value of a house increases just by living in it, one of your options is to increase your savings through investments and 401K while you are still working, and pay off your loan at a reasonable pace.
    That being said, there are many things about loans that are not clear.
    In such a case, please leave it to us, Mitsuko Miller.
    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mgagee ≪Mitsuko Miller∩ )
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use "Send Message" below to If you cannot answer the phone, please contact us by clicking the "Send message" button below.

    • Press Release / Media
    • 2024/06/17 (Mon)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Walking Around Town : Latest Articles ( Check here for information on Hawaii )

    Alii ・ Coffee ・ Company, a cafe where Hawaii's coffee connoisseurs go crazy for the hottest craft coffee
    https://hawaii.vivinavi.com/ss/article/0001

    International menu wins hearts !
    Sho's Kitchen Honolulu, a popular local bento shop
    https://hawaii.vivinavi.com/ss/article/0002
    Clean from the inside out. 100% plant-based burgers from a food truck !
    https://hawaii.vivinavi.com/ss/article/0003

    Royal Hawaiian ・ The Center's recommended breakfast spot
    Safe dining with outdoor seating and open space
    https://hawaii.vivinavi.com/ss/article/0004

    Oahu. The ・ Bus, Hawaii's only public transportation system, is the best way to explore in depth !
    https://hawaii.vivinavi.com/ss/article/0005

    Getting from Honolulu airport to Waikiki Means
    https://hawaii.vivinavi.com/ss/article/0006

    Hawaii Kai, an exclusive residential area surrounded by natural beauty where you can free your mind
    https://hawaii.vivinavi.com/ss /article/0007

    A gourmet town of Hawaii ! Kaimuki, Hawaii
    https://hawaii.vivinavi.com/ss/article/0008

    Hawaii Travel
    Oli Oli Oli Plaza in Waikiki is open to all visitors to Hawaii !
    https://hawaii.vivinavi.com/ss/article/0009
    Honolulu ・ A Walk in Chinatown
    https://hawaii.vivinavi.com/ss/article/0010

    Look at Kakaako, a new place with wall art all over town !
    https://hawaii.vivinavi.com/ss/article/0011

    Hawaii's Super Cheap Shopping Paradise ! "Waikele ・ Premium ・ Outlets"
    https://hawaii. vivinavi.com/ss/article/0012

    Latest ! Lanikai in Summer 2022 & Enjoy Kailua !
    https://hawaii.vivinavi.com/ss/article /0013

    Travel Back in Time to the Kingdom ! Visit Iolani Palace
    https://hawaii.vivinavi.com/ss/article/0014

    Hawaii Souvenirs for 2022 From the standard items to new seasonal items ~
    https://hawaii.vivinavi.com/ss/article/0015

    [Basic Information on Hawaii Island] Discover a new you in the great outdoors ! Different from Oahu Enjoy the charm of Hawaii
    https://hawaii.vivinavi.com/ss/article/0016

    Ukulele stores in Hawaii ・ 4 ukulele schools ! How to choose one
    https:// hawaii.vivinavi.com/ss/article/0017

    Plane fans will love ! The best place to go "Lagoon Drive ・ Parking ・ Lot"
    https://hawaii .vivinavi.com/ss/article/0018

    Hawaii's Security
    https://hawaii.vivinavi.com/ss/article/0019

    Beyond the Epic History of "Hawaii !
    https://hawaii.vivinavi.com/ss/article/0020

    [Very Popular] Visit a Farmer's Market in Hawaii! !
    https://hawaii.vivinavi.com/ss/article/0021

    The Hilton ・ Hawaiian ・ Village Fireworks Show ! https://hawaii.vivinavi.com/ss/article/0022

    Top 5 Foods to Try When in Hawaii ! Top 5 Typical Foods in Hawaii
    https://hawaii. vivinavi.com/ss/article/0023

    Black Friday in Hawaii&Cyber Monday
    https://hawaii.vivinavi.com/ss/article/0024

    Surfing Mecca ! Visit Old Town Haleiwa on the North Shore !
    https://hawaii.vivinavi.com/ss/article/0025

    Oahu Panoramic view of the South Coast ! Basic knowledge of Diamond Head before climbing
    https://hawaii.vivinavi.com/ss/article/0026

    New Wave of Waikiki Hotels "Twin Fins !
    https://hawaii.vivinavi.com/ss/article/0027

    Power in Waikiki / Healing spots in Waikiki
    https://hawaii.vivinavi.com/ss/article/0028

    Waikiki Market finally opens with Hawaiian food culture !
    https://hawaii.vivinavi. com/ss/article/0029

    Hawaiian Language ・ Summary of Hawaiian Dialects|Let's learn words used everyday !
    https://hawaii.vivinavi.com/ss/article/ 0030

    Shangri-La ・ La Mansion
    https://hawaii.vivinavi.com/ss/article/0031

    Coco Head ・ How hard is the trail ? Difficulty and things to keep in mind
    https://hawaii.vivinavi.com/ss/article/0032

    Arizona Memorial Museum to experience firsthand the history of Japan and the United States
    https ://hawaii.vivinavi.com/ss/article/0033

    The hottest topic right now ! Fantastic new luau show "Aloha ・ Kai ・ Luau" under the stars
    https://hawaii .vivinavi.com/ss/article/0034

    Grand Opening of New Resort Complex Wai Kai ( Wai Kai ) in Eva Beach
    https://hawaii.vivinavi.com/ ss/article/0035
    It's more interesting to go there after knowing the name of the place ! Oahu Activity Spots
    https://hawaii.vivinavi.com/ss/article/0036
    I went to ! Joy of Sake event in Hawaii
    https://hawaii.vivinavi.com/ss/article/0037

    It took about 100 years to complete ! St. ・ Andrews Cathedral, a church famous for its stained glass
    https://hawaii.vivinavi.com/ss/article/0038

    After 50 years, the ban has finally lifted ! "The Little ・ Plumeria ・ Farm Tour"
    https://hawaii.vivinavi.com/ss/article/0039

    Hawaii ・ Oahu's best beaches for surfing ・ 6 points of interest ! What are the best places for beginners ?
    https://hawaii.vivinavi.com/ss/article/0040

    Fastest growing in attention ! Hawaii 5 Ube Sweets Recommendations
    https://hawaii.vivinavi.com/ss/article/0041

    The Appeal of Hawaiian Koa Wood and 4 Stores to Buy Koa Products
    https://hawaii. vivinavi.com/ss/article/0042

    Reef-safe sunscreen is a must in Hawaii ! Recommended sunscreens available over the counter
    https://hawaii.vivinavi.com/ ss/article/0043

    Enjoy the feeling of being a driver ! Ride the Skyline, Oahu's new public transportation system !
    https://hawaii.vivinavi.com/ss/article/ 0044

    Enjoy Shopping at Hawaii's Top 3 Supermarkets ! Which do you like, Walmart, Target or Whole Foods ?
    https://hawaii.vivinavi.com/ss /article/0045

    Everyday is a Resort ! Plant Lover Primer - Places to Check Out While in Hawaii
    https://hawaii.vivinavi.com/ss/article/0046 <

    Discover the International Marketplace ! The more you know, the more interesting it is
    https://hawaii.vivinavi.com/ss/article/0047

    With Your Dog ! Dog Friendly Hiking Spots in Oahu ・ 7 Beach Spots
    https://hawaii.vivinavi.com/ss/article/0048

    Stylish Souvenirs of Hawaii Hawaii Souvenirs Here ! Kahala Mall Walking Tour 2023
    https://hawaii.vivinavi.com/ss/article/0049

    Charming local atmosphere ! Pearlridge Introducing Pearlridge Center ( Pearlridge Center )
    https://hawaii.vivinavi.com/ss/article/0050

    More and more, we cannot take our eyes off ! Kapolei, the heart of West Oahu
    https://hawaii.vivinavi.com/jpn/ss/article/0051

    The "House of the Sun", the sunrise, the lavender highlands … Maui, the island with so much to offer.
    https://hawaii.vivinavi.com/jpn/ss/article/0052

    Like a neighbor island ! Feel the great outdoors on Oahu
    https://hawaii. vivinavi.com/jpn/ss/article/0053

    120 years of love. Let's go to Waikiki Aquarium !
    https://hawaii.vivinavi.com/jpn/ss/article/0054

    China Walls, a spectacular spot that Hawaii connoisseurs want to keep secret
    https ://hawaii.vivinavi.com/jpn/ss/article/0055

    Honolulu City Shines ! Honolulu ・ City ・ Lights" to make you feel Christmas
    https ://hawaii.vivinavi.com/jpn/ss/article/0057

    Feel the ZEN in Hawaii ~ Heidoin Temple ~
    https://hawaii.vivinavi.com/jpn /ss/article/0058

    Recommended beaches on the west coast of Hawaii Island and a walk around the historic town of Honokaa from Waimea, the third largest city on Hawaii Island < Part 1 >
    https://hawaii.vivinavi.com/ jpn/ss/article/0059

    You already feel like a local when you eat it ! Spam, Hawaii's soul food
    https://hawaii.vivinavi.com/jpn/ss/article/0060
    Beginner's Guide ! Honolulu Marathon Preparation
    https://hawaii.vivinavi.com/jpn/ss/article/0061

    Honolulu Marathon 2023 10K Participation Report
    https://hawaii.vivinavi.com/jpn/ss/article/0062

    Recommended beaches on the west coast of Hawaii Island and a walk from Waimea, the third largest city on Hawaii Island, to the historic town of Honokaa < Part 2 >
    https://hawaii.vivinavi.com/jpn/ss/article/0063

    Lots of good things for the user ! "Short term lease" now available !
    https ://hawaii.vivinavi.com/jpn/ss/pickup/0018

    Tasteful and comfortable ! Major renovation completed at Hilton's Tapa Tower
    https://hawaii. vivinavi.com/jpn/ss/pickup/0019

    Available from the moment you arrive on the plane ! Convenient for your Hawaii trip ・ Great value ・ Smart eSIM is a hot trend
    https:// hawaii.vivinavi.com/jpn/ss/article/0056

    What the statuesque royals wear ? Learn more about Hawaii's traditional dress and its history !
    https://hawaii .vivinavi.com/jpn/ss/article/0064

    Elegant time spent on the heights of Tantalus ~ Registry Land House ~
    https://hawaii.vivinavi.com/ jpn/ss/article/0065

    Oahu's Hole in the Wall "Yokohama ・ Bay ( Yokohama Bay )" !
    https://hawaii. vivinavi.com/jpn/ss/article/0066

    Take Full Advantage of Four Major Benefits ! Save on Women's Travel at Hale Puna Waikiki by Halekulani
    https://hawaii.vivinavi.com/jpn/ ss/pickup/0020

    Kodak Hula Show is back after more than 20 years ! "Kilohana Hula Show"
    https://hawaii.vivinavi.com/jpn/ss/article/ 0067

    Visit the reopened DFS Waikiki
    https://hawaii.vivinavi.com/jpn/ss/article/0068

    Kawaii never stops Cat Café MOFF is now available at many large malls in Hawaii !
    https://hawaii.vivinavi.com/jpn/ss/article/0069

    "I want to rent a car !. ?
    https://hawaii.vivinavi.com/jpn/ss/pickup/0021

    Feel the Urban Hawaiian Life ! Enjoy the Ward Area <33266> Enjoy the Ward Area !
    https://hawaii.vivinavi.com/jpn/ss/article/0070

    Sneak into the factory of "Diamond Bakery" established in 1921! The secret of its popularity
    https://hawaii.vivinavi.com/jpn/ss/article/0071

    Speaking of Hawaii ! ~ Various recommended poke ~
    https://hawaii.vivinavi.com/jpn/ss/article/0072

    Chocolate in Hawaii is a great souvenir ! Recommendations
    https://hawaii.vivinavi .com/jpn/ss/article/0073

    Feel the royal treatment at the Hilton's The ・ Ali'i from the moment you arrive
    https://hawaii.vivinavi.com/jpn/ss/ pickup/0022

    Spectacular views of Oahu's south coast are right in front of you ! What is "Punchbowl"
    https://hawaii.vivinavi.com/jpn/ss/article/0074

    Free Activities ! Enjoy Tennis in Hawaii !
    https://hawaii.vivinavi.com/jpn/ss/article/0075

    Earth and Easy on the Wallet ~ Oahu SDGs Shop ~
    https://hawaii.vivinavi.com/jpn/ss/article/0076

    One of the best waterfalls to see on Hawaii Island < Rainbow Falls > and a walk in downtown Hilo
    https://hawaii.vivinavi.com/jpn/ss/article/0077

    • Introduction / Life / Housing
    • 2024/05/31 (Fri)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    < Did you know ? > when you want to buy a house, the first thing you need is the documents from the loan company !

    Most people, when buying a house, will first contact a real estate agent.
    Then you will be asked, "Do you have a Pre-approval Letter?

    ◎What is a Pre-approval Letter ?
    This is a document that the buyer of real estate can use to prove that he or she can go to a loan company for advice and obtain a loan.

    This Pre-approval Letter is the basis for the loan program, but in many cases it takes a long time to actually get a loan because of
    preparation of credit history and bank ・ statements.

    So, if you think "I want to buy a house soon," we recommend that you contact a loan company as soon as possible.

    At Director's Mortgage, we will introduce you to a mortgage company that will satisfy your ・ future plans.

    Buying a house is a big purchase in your life. You want to make a careful decision.

    If this is the case, please contact Mitsuko Miller.

    We provide accurate information so that Japanese people do not lose money without understanding about loans.

    Please feel free to contact us.

    ■ Director's Mogege ≪ Mitsuko Miller∩ )
    She has worked as a loan officer since 1993. Licensed in California, Oregon and Washington. Has clients throughout the U.S. and can respond to inquiries from Japan.

    14405 SE 36th Street, Suite 206, Bellevue, WA, 98006 US
    TEL : +1 (206) 679-3371

    If we are unable to answer your call, please use the "Send Message" below. If you are unable to answer the phone, please contact us by clicking on the "Send message" link below.