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	<title>Puako Home Sales / Kohala Coast Properties &#187; Updates</title>
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	<link>http://blogs.alohaliving.com/puako-home-sales</link>
	<description>Your Guide to Home Sales in Puako , Kohala Coast</description>
	<lastBuildDate>Tue, 17 Nov 2009 20:27:39 +0000</lastBuildDate>
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			<item>
		<title>Peter Kowalke Ceramics class great for local and visting artists in September.</title>
		<link>http://blogs.alohaliving.com/puako-home-sales/2009/09/01/peter-kowalke-ceramics-class-great-for-local-and-visting-artists-in-september/</link>
		<comments>http://blogs.alohaliving.com/puako-home-sales/2009/09/01/peter-kowalke-ceramics-class-great-for-local-and-visting-artists-in-september/#comments</comments>
		<pubDate>Tue, 01 Sep 2009 23:16:14 +0000</pubDate>
		<dc:creator>Jonathan Ditto</dc:creator>
				<category><![CDATA[Updates]]></category>
		<category><![CDATA[ceramics]]></category>
		<category><![CDATA[classes]]></category>
		<category><![CDATA[kohala coast]]></category>

		<guid isPermaLink="false">http://blogs.alohaliving.com/puako-home-sales/2009/09/01/peter-kowalke-ceramics-class-great-for-local-and-visting-artists-in-september/</guid>
		<description><![CDATA[Art Ecology and Health Education Center classes to begin in Kapaau
Dear Friends,
We are very happy to announce the first official class offering at our new community Art Ecology and Health Education Center in Kapa&#8217;au.
After 3 years of renovations and building with the help of many talented builders and technicians -
we are ready to begin classes.
Please [...]]]></description>
			<content:encoded><![CDATA[<p>Art Ecology and Health Education Center classes to begin in Kapaau<br />
Dear Friends,</p>
<p>We are very happy to announce the first official class offering at our new community Art Ecology and Health Education Center in Kapa&#8217;au.</p>
<p>After 3 years of renovations and building with the help of many talented builders and technicians -<br />
we are ready to begin classes.</p>
<p>Please let me know if the attached PDF brochure comes through clearly.</p>
<p>Please call or email with any questions : 808 937 7556</p>
<p>If you would like a tour of the Studio, Teaching Areas, Community Library/Porch/Bathroom,<br />
Veggie-oil capable &#8211; heat recuperating car kiln, etc. &#8212; before making your decision to enroll &#8211; please call for a tour.</p>
<p>We live next to the Kohala Middle School with a large parking &amp; turn around area for class parking.</p>
<p>Please forward this brochure to people who may be interested &#8211; class size limited to 8.</p>
<p>Much Aloha &#8211; Peter</p>
<p>CLASSES SEPTEMBER 1 &#8211; 26<br />
Part 1 of a 4 level on-going course &#8211; each growing in detail and depth<br />
Tuesday and Thursday Nights &#8211; 6PM-9PM.<br />
Sat &#8211; Open Studio &#8211; 9 &#8211; 12Noon.<br />
$250.00 TUITION : Instruction in our new Timber Frame ocean view<br />
studio, with lovely deck, bathroom, library, etc.<br />
$85.00 Materials/ Facility Fee: Includes 25 pounds of clay, glazes,<br />
tools, storage &amp; 2 firings.<br />
TO REGISTER CALL 808.937.7556 or EMAIL peterantrim@gmail.com<br />
ART IN SIGHT<br />
Art and Ecology Education<br />
SCULPTING<br />
CLAY<br />
SLAB<br />
WHEEL<br />
MOLDS<br />
GLAZES<br />
FIRING<br />
GEOLOGY<br />
OF CLAY<br />
SELF<br />
EXPRESSION<br />
HISTORY OF<br />
CERAMICS<br />
CHEMISTRY<br />
OF CLAY<br />
PETER KOWALKE has his M.F.A which focused on<br />
Sculpture, Fiction and Island Ecosystems and has<br />
taught on many levels in Hawaii, from college to kindergarten,<br />
always emphasizing an interdisciplinary<br />
!project based&#8221; learning style.<br />
ART IN SIGHT is devoted to the integration of Art,<br />
Science and Health education. The public artworks<br />
created emphasize the island ecosystems and a<br />
holistic psychology based in the belief of !interconnectedness. </p>
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		<title>The Winds are picking up from left over remnants of Hurricane Felicia, down graded.</title>
		<link>http://blogs.alohaliving.com/puako-home-sales/2009/08/11/the-winds-are-picking-up-from-left-over-reminants-of-hurricane-felicia-down-graded/</link>
		<comments>http://blogs.alohaliving.com/puako-home-sales/2009/08/11/the-winds-are-picking-up-from-left-over-reminants-of-hurricane-felicia-down-graded/#comments</comments>
		<pubDate>Wed, 12 Aug 2009 02:19:03 +0000</pubDate>
		<dc:creator>Jonathan Ditto</dc:creator>
				<category><![CDATA[Updates]]></category>

		<guid isPermaLink="false">http://blogs.alohaliving.com/puako-home-sales/?p=203</guid>
		<description><![CDATA[Here is the NOAA National Weather Service Hurricane information. ]]></description>
			<content:encoded><![CDATA[<p>Great News. The Hurricane did not happen.</p>
<p>This link will tell you all about it.  Satellite and Radar, Aircraft Recon, Advisory Archives avaialable, Podcasts. etc.</p>
<p><a href="http://www.nhc.noaa.gov/signup.shtml">http://www.nhc.noaa.gov/signup.shtml</a></p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
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		<title>Stand up Paddle surfing a big hit along the coast!</title>
		<link>http://blogs.alohaliving.com/puako-home-sales/2009/06/29/stand-up-paddle-surfing-a-big-hit-along-the-coast/</link>
		<comments>http://blogs.alohaliving.com/puako-home-sales/2009/06/29/stand-up-paddle-surfing-a-big-hit-along-the-coast/#comments</comments>
		<pubDate>Tue, 30 Jun 2009 00:07:10 +0000</pubDate>
		<dc:creator>Jonathan Ditto</dc:creator>
				<category><![CDATA[Updates]]></category>
		<category><![CDATA[beach]]></category>
		<category><![CDATA[hawaii]]></category>
		<category><![CDATA[Puako]]></category>
		<category><![CDATA[stand up paddle]]></category>
		<category><![CDATA[sup]]></category>

		<guid isPermaLink="false">http://blogs.alohaliving.com/puako-home-sales/2009/06/29/stand-up-paddle-surfing-a-big-hit-along-the-coast/</guid>
		<description><![CDATA[People really seem to be requesting places to go Stand -Up paddle surfing here in Puako. Surf schools and retailers in our area have reported a growth in interest for the sport known as &#8220;sup&#8221; or &#8220;supping&#8221;
Many people in California are riding these boards and the sport seems to be accepted by surfers better than [...]]]></description>
			<content:encoded><![CDATA[<p>People really seem to be requesting places to go Stand -Up paddle surfing here in Puako. Surf schools and retailers in our area have reported a growth in interest for the sport known as &#8220;sup&#8221; or &#8220;supping&#8221;</p>
<p>Many people in California are riding these boards and the sport seems to be accepted by surfers better than kayaks trying to share the waves. Both men and women enjoy this sport and when there are no waves, this is a great way to stay in shape until the next swell.</p>
<p>You can rent these boards through local companies and take off right from your back yard here in Puako or any of the great access points along Puako Beach Drive.  Contact <a href="http://www.alohalivingservices.com/">www.AlohaLivingServices.com</a> to get rates on a lesson or to rent. You usually have to take a lesson before renting.</p>
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		<title>6 Simple Steps to save energy</title>
		<link>http://blogs.alohaliving.com/puako-home-sales/2009/06/02/6-simple-steps-to-save-energy/</link>
		<comments>http://blogs.alohaliving.com/puako-home-sales/2009/06/02/6-simple-steps-to-save-energy/#comments</comments>
		<pubDate>Tue, 02 Jun 2009 23:16:03 +0000</pubDate>
		<dc:creator>Jonathan Ditto</dc:creator>
				<category><![CDATA[Updates]]></category>
		<category><![CDATA[conserve]]></category>
		<category><![CDATA[fans]]></category>
		<category><![CDATA[save energy]]></category>
		<category><![CDATA[stereo]]></category>

		<guid isPermaLink="false">http://blogs.alohaliving.com/puako-home-sales/2009/06/02/6-simple-steps-to-save-energy/</guid>
		<description><![CDATA[1. No more Standby! Seventy Five percent of electricity used in the home is actually wasted. It&#8217;s the power electronics like TVs and computers in standby mode that really waste the energy. So turn them off when not in use. You could save a lot of money each year.
2. Turn off the lights in empty [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://blogs.alohaliving.com/puako-home-sales/files/2009/06/vacation_big_island.jpg" title="vacation_big_island.jpg"><img src="http://blogs.alohaliving.com/puako-home-sales/files/2009/06/vacation_big_island.thumbnail.jpg" alt="vacation_big_island.jpg" /></a>1. No more Standby! Seventy Five percent of electricity used in the home is actually wasted. It&#8217;s the power electronics like TVs and computers in standby mode that really waste the energy. So turn them off when not in use. You could save a lot of money each year.</p>
<p>2. Turn off the lights in empty rooms. Also turn off fans, stereos, and A/C</p>
<p>3. Open the windows. Let the trade winds reduce A/C use. Save up to $100.00 a year on your electric bill.</p>
<p>4. Close the drapes and blinds before turning on the A/C. The sun&#8217;s heat makes your unit work harder, driving up the monthly energy bill.</p>
<p>5. This one just saves money. Sign up for Hawaiian Electric&#8217;s Energy Scout to allow the utility to turn off you hot water heater briefly during system emergencies. You will earn $3 tax credit on your monthly electic bill.</p>
<p>6. Take the energy pledge. Start saving energy by declaring your commitment. Download your pledge card at <a href="http://www.heco.com/">www.heco.com</a> , sign it and place it on the fridge where everyone can see it.</p>
]]></content:encoded>
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		<title>Fire and Safety Tips</title>
		<link>http://blogs.alohaliving.com/puako-home-sales/2009/05/04/fire-and-safety-tips/</link>
		<comments>http://blogs.alohaliving.com/puako-home-sales/2009/05/04/fire-and-safety-tips/#comments</comments>
		<pubDate>Tue, 05 May 2009 02:09:35 +0000</pubDate>
		<dc:creator>Jonathan Ditto</dc:creator>
				<category><![CDATA[Updates]]></category>
		<category><![CDATA[extinguishers]]></category>
		<category><![CDATA[fire safety]]></category>
		<category><![CDATA[plans]]></category>
		<category><![CDATA[Puako]]></category>
		<category><![CDATA[smoke detectors]]></category>

		<guid isPermaLink="false">http://blogs.alohaliving.com/puako-home-sales/2009/05/04/fire-and-safety-tips/</guid>
		<description><![CDATA[It is always good this time of year to make sure you are up to code in your own home, vacation rental and even homes you may be trying to sell. Here are some quick pointers to help you get started in preventing fires.
 Smoke Detectors:
Test monthly and change the batteries annually. When it &#8220;Chirps&#8221;, that [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://blogs.alohaliving.com/puako-home-sales/files/2009/05/diggz-fire.JPG" title="Clear all Brush from around your home"><img src="http://blogs.alohaliving.com/puako-home-sales/files/2009/05/diggz-fire.thumbnail.JPG" alt="Clear all Brush from around your home" /></a>It is always good this time of year to make sure you are up to code in your own home, vacation rental and even homes you may be trying to sell. Here are some quick pointers to help you get started in preventing fires.</p>
<p> <strong>Smoke Detectors:</strong></p>
<p>Test monthly and change the batteries annually. When it &#8220;Chirps&#8221;, that means the battery is low and needs replacement.</p>
<p>Install inside and outside of bedrooms, on every floor and also in the hallways.</p>
<p><strong>Fire Extinguishers:</strong></p>
<p>Check gauges once a year. Have the correct size and type. Know when to use them, on small fires only. Learn how to use them.</p>
<p> <strong>Acronym :</strong> PASS Pull the pin , Aim the nozzle, Squeeze the trigger, Sweep side to side at the base of the fire as you approach.</p>
<p><strong>Electrical hazards : </strong>Refrain from using extension cords as &#8220;permanent&#8221; wiring. Assure all electrical outlets and light switches have cover plates in good working order. Use only proper wiring techniques (no power strip extension cord to power strip connections. No quick fix Mc Gyver rig ups)</p>
<p><strong>Fire Loading: </strong>Clear excess Brush, household waste and rubbish from around the home. Remove excess clutter from inside your home. Keep area around electrical equipment and appliances free from combustible materials.</p>
<p><strong>Escape Plan : </strong>Have a primary and secondary plan. Practice both of those plans, stay low- Smoke tends to rise. Keep all doorways and hallways clear.</p>
<p>Other Safety Tips: Keep lighters and matches out of reach of children. Keep all dangerous and hazardous items secured. Stop drop and roll if clothing is on fire. Other effective methods are smothering the fire or to remove the clothing if flammable liquids are involved. Keep flammable liquids (gas, paints, cleaners, etc. ) in its approved containers and store away from ignition or heat sources.</p>
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		<title>Vis Viva! Kahilu Theatre May 2nd and 3rd, Ecological dance and drama on topic of Renewable Energy</title>
		<link>http://blogs.alohaliving.com/puako-home-sales/2009/05/01/vis-viva-kahilu-theatre-may-2nd-and-3rd-ecological-dance-and-drama-on-topic-of-renewable-energy/</link>
		<comments>http://blogs.alohaliving.com/puako-home-sales/2009/05/01/vis-viva-kahilu-theatre-may-2nd-and-3rd-ecological-dance-and-drama-on-topic-of-renewable-energy/#comments</comments>
		<pubDate>Fri, 01 May 2009 23:50:49 +0000</pubDate>
		<dc:creator>Jonathan Ditto</dc:creator>
				<category><![CDATA[Updates]]></category>
		<category><![CDATA[dance]]></category>
		<category><![CDATA[ecological]]></category>
		<category><![CDATA[kahilu theatre]]></category>
		<category><![CDATA[renewable energy]]></category>

		<guid isPermaLink="false">http://blogs.alohaliving.com/puako-home-sales/2009/05/01/vis-viva-kahilu-theatre-may-2nd-and-3rd-ecological-dance-and-drama-on-topic-of-renewable-energy/</guid>
		<description><![CDATA[PrinceDance presents:
Vis Viva!
An ecological dance and drama thriller!
PrinceDance will be premiering a new work entitled Vis Viva on May 2nd and
3rd at the Kahilu Theatre.
Vis Viva is latin for living force and this evening length work focuses on
the hot topic of renewable energy.
A multimedia dance and drama ecological thriller so full of energy it will
generate [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://blogs.alohaliving.com/puako-home-sales/files/2009/05/angel-recycle.jpg" title="www.PrinceDance.org"><img src="http://blogs.alohaliving.com/puako-home-sales/files/2009/05/angel-recycle.thumbnail.jpg" alt="www.PrinceDance.org" /></a>PrinceDance presents:</p>
<p>Vis Viva!</p>
<p>An ecological dance and drama thriller!</p>
<p>PrinceDance will be premiering a new work entitled Vis Viva on May 2nd and<br />
3rd at the Kahilu Theatre.<br />
Vis Viva is latin for living force and this evening length work focuses on<br />
the hot topic of renewable energy.<br />
A multimedia dance and drama ecological thriller so full of energy it will<br />
generate it&#8217;s own electricity!</p>
<p>May 2nd at 7pm and May 3rd at 2pm<br />
Kahilu Theatre, Waimea Hawaii<br />
Adutls $20, Youth $10, Kids under 5 $5</p>
<p>Box office: 808-885-6868</p>
<p><a href="http://www.princedance.org/">www.princedance.org</a></p>
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		<title>Kohala a great place to retire!</title>
		<link>http://blogs.alohaliving.com/puako-home-sales/2009/04/27/kohala-a-great-place-to-retire/</link>
		<comments>http://blogs.alohaliving.com/puako-home-sales/2009/04/27/kohala-a-great-place-to-retire/#comments</comments>
		<pubDate>Tue, 28 Apr 2009 04:03:28 +0000</pubDate>
		<dc:creator>Jonathan Ditto</dc:creator>
				<category><![CDATA[Updates]]></category>
		<category><![CDATA[community]]></category>
		<category><![CDATA[hospital]]></category>
		<category><![CDATA[north kohala]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://blogs.alohaliving.com/puako-home-sales/2009/04/27/kohala-a-great-place-to-retire/</guid>
		<description><![CDATA[Often times people ask about the local hospital and what it has to offer, especially since many of our owners are retired or in the process of retirement. This is from the (NHCH) Hospital home page. Take a look. Patricia Freeman has helped raise funds to support this diverse hospital.
North Hawaii Community Hospital. http://www.fivemtn.org/images/topnav_02.jpg
Cradled in [...]]]></description>
			<content:encoded><![CDATA[<p align="center"><a href="http://blogs.alohaliving.com/puako-home-sales/files/2009/04/retire-chair.JPG" title="Relax into your future on the Kohala Coast"><img src="http://blogs.alohaliving.com/puako-home-sales/files/2009/04/retire-chair.thumbnail.JPG" alt="Relax into your future on the Kohala Coast" /></a>Often times people ask about the local hospital and what it has to offer, especially since many of our owners are retired or in the process of retirement. This is from the (NHCH) Hospital home page. Take a look. Patricia Freeman has helped raise funds to support this diverse hospital.</p>
<p align="center">North Hawaii Community Hospital. <a href="http://www.fivemtn.org/images/topnav_02.jpg">http://www.fivemtn.org/images/topnav_02.jpg</a></p>
<p align="center">Cradled in the foothills of the dormant volcano, Kohala, North Hawai&#8217;i Community Hospital (NHCH) is the first in the country to integrate the latest Western, technology-based medicine with ancient Hawaiian, Asian, and holistic healing arts. Its vision is to become the most healing hospital in the world. The 35-bed, acute care facility, located in Waimea, opened in 1996 and was ranked No. 1 nationally in 1997 for patient satisfaction by Dallas-based Solution Point, a survey company that rates hospitals from the patient&#8217;s perspective.</p>
<p>NHCH offers a full spectrum of acute care services with a commitment to patient-centered care that treats the whole person &#8211; mind, body, and spirit &#8211; in the context of family, culture, and community. Designed as a &#8220;healing instrument&#8221;, NHCH is fast becoming a prototype for the practice of blended medicine.</p>
<p>Friends of the Future came into being in 1988 when an unusual collection of people (corporate CEO&#8217;s, taro farmers, professors, scientists, religious and cultural practitioners and others) met, at first having no connection other than their friendship with organization founder Kenneth Brown. However, over two years of meetings and coming to know one another, the group identified several common values centered on the Hawaiian culture and a common dream for healthy communities.</p>
<p>Friends of the Future&#8217;s guiding principles are:</p>
<ul>
<li><strong>The spirit of giving;</strong> Invoking the spirit of giving and aloha is the essence of Friends of the Future.</li>
<li><strong>Honoring and learning from the native Hawaiian culture;</strong> Friends of the Future is rooted in the spirit and values of the Hawaiian culture.</li>
<li><strong>Face-to-face, heart-to-heart communications;</strong> When we talk face-to-face and heart-to-heart, stereo-types and prejudices fade and, gradually, &#8220;them&#8221; becomes part of &#8220;us&#8221;.</li>
<li><strong>Diversity and trust;</strong> We believe diversity is life-sustaining in both nature and society. Communication among diverse peoples, values, cultures and world views, brings the old and the new together to create a better way. And we also create a place where people are listened to and feel trusted.</li>
<li><strong>Bringing out the best in everyone;</strong> In this environment of diversity and trust, we facilitate opportunities where people are willing to share their values and wisdom, and to contribute their very best.</li>
<li><strong>Lokahi: Peace, Unity and Harmony;</strong> We seek to create and sustain a cooperative environment.</li>
<li><strong>Commitment to follow-up and action;</strong> It is through our actions that we demonstrate our commitment to our cause.</li>
</ul>
<p>Visit the Friends of the Future web site: <a href="http://www.fofhawaii.org/">fofhawaii.org </a>  A great local program to support and donate to.</p>
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		<title>The Pond of Wainana&#8217;Lii (The water belonging to the Chiefs)</title>
		<link>http://blogs.alohaliving.com/puako-home-sales/2009/04/22/the-pond-of-wainanalii-the-water-belonging-to-the-chiefs/</link>
		<comments>http://blogs.alohaliving.com/puako-home-sales/2009/04/22/the-pond-of-wainanalii-the-water-belonging-to-the-chiefs/#comments</comments>
		<pubDate>Wed, 22 Apr 2009 20:49:57 +0000</pubDate>
		<dc:creator>Jonathan Ditto</dc:creator>
				<category><![CDATA[Updates]]></category>
		<category><![CDATA[chief folklore]]></category>
		<category><![CDATA[culture]]></category>
		<category><![CDATA[fish-ponds]]></category>
		<category><![CDATA[hawaii]]></category>
		<category><![CDATA[legends]]></category>
		<category><![CDATA[petroglyphs]]></category>

		<guid isPermaLink="false">http://blogs.alohaliving.com/puako-home-sales/2009/04/22/the-pond-of-wainanalii-the-water-belonging-to-the-chiefs/</guid>
		<description><![CDATA[I found this old book by Eliza D. Maguire called Kona Legends.  I like the older Hawaiian books because they seem to contain little facts I can&#8217;t find anywhere else.
&#8220;Wainana&#8217;lii (The water belonging to the Chiefs) was considered the largest and most celebrated fish-pond on the Big Island of Hawaii, in fact, it was said [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://blogs.alohaliving.com/puako-home-sales/files/2009/04/hide-away-sunset-rs.JPG" title="Kohala Coast Sunset"><img src="http://blogs.alohaliving.com/puako-home-sales/files/2009/04/hide-away-sunset-rs.thumbnail.JPG" alt="Kohala Coast Sunset" /></a>I found this old book by Eliza D. Maguire called Kona Legends.  I like the older Hawaiian books because they seem to contain little facts I can&#8217;t find anywhere else.</p>
<p>&#8220;Wainana&#8217;lii (The water belonging to the Chiefs) was considered the largest and most celebrated fish-pond on the Big Island of Hawaii, in fact, it was said to contain over 600 acres of ponds. It was situated near Kiholo. One map dated May, 1925, Wiananarii (a) is written on the Western coast of <strong>Owyhee, </strong>as the island of Hawaii was then called. The map was published, according to the Paradise of the Pacific, London, November 7, 1843, by John Arrowsmith. So it shows, this pond must have been of some note before the great flow of 1859 destroyed it. </p>
<p>A legend is told of two young girls who were stationed as guards over this great fish pond.  They were kupua, wizards, and had two forms, a human and a lizard one. They were often seen in their lizard form sunning themselves on the stone wall of the pond. One day these two girls were in their human form, and had just returned from a swim in the sea, and were drying their flowing tresses, when the Goddess Pele who had come down the slope of Mauna Loa, and had crossed over, and was racing down from Puuanahulu to destroy the Fish-Pond of Wainana&#8217;Lii ; she seems to have had a mania for destroying fish-ponds; spied these two beautiful girls, and before they could move, she covered them with her mantle of lava.</p>
<p>Kaniku (<em>ku means standing</em>) and Kanimoe (<em>moe means lying down or sleeping)</em> are now two lava slabs, side by side, and as their names indicate, one erect and the other flat, just as Pele had caught them. These two lava slabs are on the old trail across the lava flow of 1859, and twenty -five and thirty years ago, this rough trail was the only one traveled along the coast between Kona and South Kohala. The trail was marked with the bones of animals who had fallen on the way, and also with white coral stones. In sections of this trail, on ancient lava flows, are markings, (Petroglyphs) representing ancient Hawaiian myths and history. Pele seems to have respected these marks of history; they may have represented some eulogy in her favor, and spared them. No one will ever know, though, how many she may have ruthlessly covered.&#8221;</p>
<p>Petroglyphs line this coastline and should not be tampered with. Always respect the heritage of this Island and know we are guests in a true Paradise!</p>
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		<title>Fannie Mae vs. Freddie Mac Home Affordable Products</title>
		<link>http://blogs.alohaliving.com/puako-home-sales/2009/04/16/fannie-mae-vs-freddie-mac-home-affordable-products/</link>
		<comments>http://blogs.alohaliving.com/puako-home-sales/2009/04/16/fannie-mae-vs-freddie-mac-home-affordable-products/#comments</comments>
		<pubDate>Fri, 17 Apr 2009 00:10:40 +0000</pubDate>
		<dc:creator>Jonathan Ditto</dc:creator>
				<category><![CDATA[Updates]]></category>
		<category><![CDATA[]]></category>
		<category><![CDATA[fannie mae]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[Lynn Karlson]]></category>

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		<description><![CDATA[ 
I am going for my first time buyer loan and I got confused on all of the options. Thank you Lynn for helping me understand the different options. Jonathan
 From Lynn Karlson of Point Financial, Inc.
Questions should be forwarded to her address.
 Lynn Karlson [lynn@ptfinancial.com]
 808-329-0900
 http://loanlookup.fanniemae.com/loanlookup/
First Off…..  These programs are two separate programs so please be careful when [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://blogs.alohaliving.com/puako-home-sales/files/2009/04/407-sunset-2.jpg" title="407-sunset-2.jpg"><img src="http://blogs.alohaliving.com/puako-home-sales/files/2009/04/407-sunset-2.thumbnail.jpg" alt="407-sunset-2.jpg" /></a> </p>
<p>I am going for my first time buyer loan and I got confused on all of the options. Thank you Lynn for helping me understand the different options. Jonathan</p>
<p> From Lynn Karlson of Point Financial, Inc.</p>
<p>Questions should be forwarded to her address.</p>
<p> Lynn Karlson [lynn@ptfinancial.com]</p>
<p> 808-329-0900</p>
<p> <a href="http://loanlookup.fanniemae.com/loanlookup/">http://loanlookup.fanniemae.com/loanlookup/</a></p>
<p>First Off…..  These programs are two separate programs so please be careful when switching mindset between one and the other!!  EverBank will be offering the Fannie Mae product and the below information is in regards to the <strong>Fannie Mae DO Refi Plus!!  </strong>I have also attached the handout many have already received from me.</p>
<p>FAQs:  <strong>Q:</strong> Does the loan have to be refinanced through the same company that currently is servicing the loan?<strong>A:</strong> No, The Fannie Mae product allows their loans to be refinanced by any wholesale lender offering the program</p>
<p> <strong>Q:</strong> Is there a $2,500 restriction of fees on the Fannie Mae Program?<strong>A:</strong> No, that only applies to the Freddie Mac Program, please approach a DO Refi Plus the same way you would a regular rate/term refinance.  The borrower’s cash back can be equal to the lesser of 2% or $2,000. </p>
<p><strong>Q:</strong> Is there a max DTI requirement for EverBank?<strong>A:</strong> No, there is no max that we add to the product.  We will take as high of a DTI that DO allows regardless of the change in payment.  In fact, we have no overlays on this product!! </p>
<p><strong>Q:</strong> Do you have a maximum amount of financed properties?<strong>A:</strong> No, unlike our other Conforming Products, there is no maximum amount of financed properties on this product.</p>
<p> <strong>Q:</strong> Is there a minimum FICO score?<strong>A:</strong> In April there is a minimum FICO required for LTVs over 80% of 580.  Starting in May there will be no minimum FICO required for all LTVs!! </p>
<p><strong>Q:</strong> Can the LTV exceed 105%?<strong>A:</strong> No, in April it is maxed to 95% for owner occupied and 80% for second home and investment.  Starting in May the max will be 105% for all occupancies. </p>
<p><strong>Q:</strong> Are appraisals never required?<strong>A:</strong> No, you need to make sure the findings allow for an appraisal waiver if you want to avoid an appraisal.</p>
<p> <strong>Q:</strong> Have the Jumbo Conforming Limits reverted to last years limits on this product?<strong>A:</strong> Not yet, while we do anticipate these limits increasing, there is not an exact date of the change. </p>
<p><strong>Q:</strong> Is Mortgage Insurance required? <strong>A:</strong> Depends on the current position the borrower is in.  If they do not have MI now, then they should not need MI regardless of the LTV.  Make sure that the findings are not requiring the MI and if the borrower currently has MI they will e able to refinance in May while maintaining their current MI coverage.</p>
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		<title>Kilohana Kai, Waikoloa&#8217;s newest neighborhood, Ocean and Sunset Views available</title>
		<link>http://blogs.alohaliving.com/puako-home-sales/2009/04/06/kilohana-kai-waikoloas-newest-neighborhood-ocean-and-sunset-views-available/</link>
		<comments>http://blogs.alohaliving.com/puako-home-sales/2009/04/06/kilohana-kai-waikoloas-newest-neighborhood-ocean-and-sunset-views-available/#comments</comments>
		<pubDate>Mon, 06 Apr 2009 20:28:00 +0000</pubDate>
		<dc:creator>Jonathan Ditto</dc:creator>
				<category><![CDATA[Updates]]></category>
		<category><![CDATA[]]></category>
		<category><![CDATA[Kilohana kai]]></category>
		<category><![CDATA[Ocean view]]></category>
		<category><![CDATA[shopping]]></category>
		<category><![CDATA[Sunset Views]]></category>
		<category><![CDATA[Waikoloa]]></category>

		<guid isPermaLink="false">http://blogs.alohaliving.com/puako-home-sales/2009/04/06/kilohana-kai-waikoloas-newest-neighborhood-ocean-and-sunset-views-available/</guid>
		<description><![CDATA[&#8220;Brand new home in Kilohana Kai, Waikoloa&#8217;s newest neighborhood, with Ocean and Sunset Views. Located on the northern edge of the Waikoloa Subdivision property line, and with the &#8220;drop-off&#8221; from the covered lanai, you will enjoy years of beautiful unobstructed Sunsets just off the Kona-Kohala Coastline. 20 minutes to the resorts and beaches, Waikoloa is a wonderful centrally-located community [...]]]></description>
			<content:encoded><![CDATA[<p><font face="Times New Roman"><a href="http://blogs.alohaliving.com/puako-home-sales/files/2009/04/photo-alan-bw-web.JPG" title="photo-alan-bw-web.JPG"><img src="http://blogs.alohaliving.com/puako-home-sales/files/2009/04/photo-alan-bw-web.thumbnail.JPG" alt="photo-alan-bw-web.JPG" /></a><a href="http://blogs.alohaliving.com/puako-home-sales/files/2009/04/lundberg-waikoloa-home.JPG" title="Kilohana Kai  , Ocean View and Sunset View"><img src="http://blogs.alohaliving.com/puako-home-sales/files/2009/04/lundberg-waikoloa-home.thumbnail.JPG" alt="Kilohana Kai  , Ocean View and Sunset View" /></a><a href="http://blogs.alohaliving.com/puako-home-sales/files/2009/04/lundberg-waikoloa-home.JPG" title="Kilohana Kai  , Ocean View and Sunset View"></a>&#8220;Brand new home in Kilohana Kai, Waikoloa&#8217;s newest neighborhood, with Ocean and Sunset Views. Located on the northern edge of the Waikoloa Subdivision property line, and with the &#8220;drop-off&#8221; from the covered lanai, you will enjoy years of beautiful unobstructed Sunsets just off the Kona-Kohala Coastline. 20 minutes to the resorts and beaches, Waikoloa is a wonderful centrally-located community of golf, tennis, pool, and horseback riding, with the convenience of it&#8217;s own shopping center. E Komo Mai&#8221;. </font></p>
<p>      <strong>Alan B. Lundberg, Realtor (S)</strong></p>
<p>       Hawaii Vacation Rentals, Inc.</p>
<p>               <strong>REAL ESTATE</strong></p>
<p>7 Puako Beach Dr.  Kohala Coast  96743</p>
<p><strong>            Tel:  (808) 895-9318</strong></p>
<p>       Toll Free: 1-800-322-7081</p>
<p><a href="mailto:LundbergRealEstateHawaii@yahoo.com">LundbergRealEstateHawaii@yahoo.com</a></p>
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