Michelle Keliikuli, MLO

For a limited time. Call to see if you qualify.

Call to see if you qualify!

Wishing you and your family a Safe and Prosperous New Year!

Yummy!!! My favorite is chocolate chip with macadamia nuts. What's yours?

I guess a candle can be meant as many things. For me I love certain scents of the candle to liven and freshen up a room. There's sadness through vigilance gatherings and there's also happiness with ones birthday (well I guess it depends on the age and the individual, 😂). Light up a candle today and make a wish. 💖

As a child we never decorated the outside of our home with lights. I think it's because there were so much work that needed to go in to putting up all the decorations and taking it all down. So to all of you who goes through great strides in putting them up for us to enjoy a big MAHALO!!!

Just remember there are those who this season is a reminder of a 1st Christmas without a loved one or other unpleasant reminders. Be cheerful and not too quick to judge. Have a Safe and Happy Holiday Season!!!

New conforming limits for Hawaii for 2024 up from $1,089,300.00 to $1,149,825.00. No need to wait til 2024 we have lenders that are now accepting applications up to the new amount. Apply at:
https://secure-apps.smartapp1003.com/102520/?loanofficerid=218132

Hey friends! 💰 Did you know there are so many ways to save money? 🤑 Let's share our favorite money-saving tips and tricks! 💸 Whether it's couponing, DIY projects, or budgeting hacks, I'm all ears! 🙌 Together, we can make our wallets happy and still enjoy life to the fullest! 😎

Hey there, lovely people! 🌺 Just popping in to share some exciting news - I've been putting in the hard work to sharpen my skills, and now I'm all geared up to assist you with your buying or refinancing needs in the breathtaking paradise of Hawaii! 🌴💼 So, if you're ready to embark on an incredible journey, don't be shy! Reach out to me, and let's make your dreams a reality together!

RESIDENTIAL REBATES FOR THE FOLLOWING FROM BOARD OF WATER SUPPLY
-Weather-Based Irrigation Controller $100
-Residential Washer $75
-Residential Rain Barrel $40
-Toilet Rebate $45
See website on where to shop for these products and how to redeem for credit.

https://www.boardofwatersupply.com/residentialrebates?utm_source=Facebook&utm_medium=FB+Ad&utm_campaign=Rain+Barrel+FB+Ad&fbclid=IwAR2qRo9qD4ic7HsbFZFRttPm3SVaY6XGHVd4PiFvSturmhlv7i9YRICtV1Q

THINGS TO DO FOR YOUR HOME NOW.
-If you've been running your air conditioner(s) on max all summer now's the time to schedule an annual maintenance appointment. Inquire about energy conservation tips.
-Clean and maintain your floors, carperts, windows and doors for wetter days. Increased moisture can cause some unwelcome changes in wood structures and flooring and may cause damage to carpets.
-Weather-proof doors and windows
-For the outdoors clean gutters, pipes, and storm drains,
-Be sure to check your electrical and plumbing system, water heaters, laundry machines, stovetops, ovens, and appliance to get ready for the Holidays.

Happy Halloween and stay safe!!

Why would you want to use your Home Equity for a Loan? If you'd like to keep your lower rate on your 1st Mortgage, but need funds for the Holidays, weddings, college tuition, etc. Call to inquire, it's free!

Fun Facts about Halloween:
Americans now spend over $350 million a year on Halloween costumes.
20 million Halloween cards are sent out each year.
Halloween candy is big business.

Fun facts about nuts:
Almonds need honeybees to pollinate them so they can grow.
Walnuts are gluten-free, making them a good base for anything that needs a crust.
Ancient Greeks believed hazelnuts could treat coughing and baldness.
Peanuts account for 2/3 of all nut consumption.
Pine nuts get their name because they are found inside pinecones.
Chestnuts and hazelnuts are ‘true nuts’, botanically speaking.
Almonds, walnuts and cashews are drupes.
Peanuts are technically legumes.
Beans are also seeds.
By: Truly Good Foods

Fun Fact: Apples are America's second favorite fruit. We consume over 19 pounds a whole apple per year, and over 50 pounds of combination of fresh apples and apple products (sauce, juice, and more). It's a close second to the banana-we eat an average of 28 pounds of them a year. (By: Goodhousekeeping).

Weekly report. Ask how you can put a lower down payment on your home purchase.

If you're planning to buy a home soon, it's better to keep your finances as consistent as possible. Postponing major money moves until after you've purchased you home can lead to a smoother application process.

Before you start looking to buy a home, you should start looking for a local independent mortgage broker. Someone who's only objective is to help you choose the loan options that work for YOU. Give us a call today and find out just how simple and fast buying a home can be.

Was able to attend one of our lenders, UWM, campus. Yes campus as it's a huge well oiled company that puts their employees and brokers first to help in the success of their company. They provide free education to fly to Michigan for the training. So worth it!

Did you know that a local independent mortgage broker can close a home 2-3 times faster than their retail competitor? It's just one of the many reasons to work with someone who puts your priorities first. Give us a call and let's get started.

While we may not all be celebrating National Chocolate Milk Day, everyone can benefit from working with an independent mortgage broker — saving thousands on average over the life of your loan. Call us to learn more.

With access to multiple lenders, an independent mortgage broker like me is able to offer more loan options. Partner with me today for a personalized mortgage experience.

Retail lenders' loan offerings are restricted to their own products, so they can't shop around to find you the greatest possible rate. Rest assured that when you work with me, I'll check multiple lenders to get you a low payment.

You have been dreaming of this day since you were a kid, why wait any longer? Call me today to make your childhood dreams a reality!