ʻO nāʻano loan i uhiʻia e RESPA he nui, akā, aia nāʻano loiloi kūpono. ʻOiai he mea maikaʻi ke hōʻikeʻana i nā koina a pau a me nāʻoihana pāʻoihana pili like,ʻaʻole i hoʻoholoʻia e RESPA e hana pēlā no kēiaʻano o nā hōʻai'ē .
Nā Loina Kakoke a Pāʻoihana paha -ʻO ka manawa maʻamau,ʻo nā loina i mālamaʻia e ka waiwai waiwai no kahiʻoihana aʻoihana mahiʻaiʻaʻole e hoʻopukaʻia e RESPA. Eia naʻe, inā i hāʻawiʻia ka hōʻai'ē i kekahi mea o kēlā me kēia kanaka e kūʻai a hoʻomaikaʻi paha i kahi'āpana hoʻolimalima o 1 a 4 mau hale noho, a laila ua hoʻoponoponoʻia e RESPA.
ʻO kaʻoihanaʻoihana kūʻaiʻoi aku kaʻoi aku o ka savvy a me kaʻike e pili ana i ka waiwai a me nā hana. Ināʻaʻole, aia lākou e hoʻolako i nā limahana no ka kōkua iā lākou no ka nui o ka hana. He manawa pinepine ka pūʻulu o nāʻoihana i komo, mai nā hale kūʻai waiwai i nā loio a me nā luna hana. He hana maʻamau kēlā a me kēia o lākou e hana ai i ka loiloiʻana i kahi kūʻai kūʻai kūʻai kūʻai kūʻai kālā no ka pono.
ʻO kēia hui a me ka paeʻoihana kiʻekiʻe o nā mea waiwai kālā, nā mea kūʻai a me nā mea kūʻai aku, heʻano likeʻole ia me ka mea kūʻai mua home a iʻole ka mea i kūʻai iʻelua mau hale i ko lākou olaʻana.
ʻO ia ke kumu e noho aiʻo RESPA, e pale i ko lākou mau pono. ʻO ka poʻe kūʻai a me nā mea kūʻai aku i kā lākou palekana e hoʻolimalimaʻia.
Land Vacant - Ke hanaʻia kahi hōʻai'ē e kūʻai ai i ka'āina kūhaka , aʻaʻole loa e hoʻohanaʻia kekahi o ke kālā i loaʻa mai i ke kālā no ka kūkuluʻana i kahi hale noho i uhiʻia, ua hoʻokuʻuʻia ka aie mai ka nānāʻana o RESPA.
ʻO kēia kahi kumu'ē aʻe no kaʻike pilikino a me kaʻike o nā mea e komo ana i ka hana. Inā kūʻai ka mea kūʻai i ka'āina e hoʻokaʻawale iā ia, aia lākou i kā lākou mahele hoʻolālā, hoʻokahi aʻoi aku loio e lawelawe i nā kānāwai o ka'āina a me ka hoʻolālāʻana, a ua hoʻomākaukau nā kānaka e kūkulu i ka hana no ka hanaʻana i nā alanui a me nā pono.
Inā hoʻohanaʻia kekahi'āpana'āina hoʻolālā i wahi no kahiʻoihanaʻoihana a mea hana paha, e like nō kaʻike a me kaʻike o nā mea pāʻani. Inā makemake kekahi hui nui i kahi hale kūʻai hou a mea hana paha, uaʻike maoli lākou i keʻano o iaʻano, ka nui o ka nui a lākou e makemake ai no ka wahi a me ke kaʻa a me nā kānāwai o ka hoʻoponoponoʻana i ka'āina.
Nā'Āpana Pālahalaha nui - Nā palapala'āina o 25 aʻoi aku mau eka, inā he hale noho aʻaʻoleʻole,ʻaʻole i uhiʻia. ʻO ka pauku mua e pili ana iʻaneʻi, akā i kēia manawa, hiki iā mākou ke hoʻokuʻu i ka'āina i kūʻaiʻia no kahi kula hānai a mea kanu paha kahi e kūkuluʻia ai kahi hale a iʻole e noho nei. ʻO ka mea kūʻai aku he meaʻike hānai akamai aiʻole mea mahiʻai paha, pinepine i ka hoʻokomoʻana i kā lākou'āina hānai a kūʻai paha. ʻAʻole pono ka mālamaʻana e pale i ko lākou mau pono ma muli o ko lākouʻike i keʻano e hoʻohanaʻia ai ka'āina.
ʻO kekahi mau haʻawina kālā kālā - Inā hoʻokomoʻia kahi aie, aʻaʻohe kuleana o ka mea nāna e hāʻawi i ka'āpono i nā mea i hiki mai no ka manaʻo, akā,ʻaʻole i uhiʻia ka hōʻai'ē. ʻAʻole nui nā kumukūʻai hiki i nā hale noho, akāʻo nā loina VA he mea nui loa.
Kūkulu wale i nā Loans - Ināʻaʻole i hāʻawiʻia kahi hōʻai'ē e like me kahi paʻa hana-paʻa,ʻaʻole i uhiʻia. Kūkulu pinepineʻia nā hale maʻamau a hoʻohanaʻia ka'āina i mea pale no kahi hana hana wāwae e kūkuluʻia ai ka hale. I ka wā e ukuʻia ai ka hōʻai'ē a hoʻokaʻawaleʻia kahi moemoeki hou,ʻaʻole i hoʻokomoʻia ka RESPA. Eia naʻe, ināʻo ka loina he loiloi paʻa-mau loa i loko o hoʻokahi pōpili, aia ia ma lalo o RESPA.
Nā Aupuni - E like me ka mea maʻamau me nā kānāwai, ua hoʻokuʻuʻia ke aupuni a me nā aupuni aupuni. ʻAʻole mākou e komo i loko o kaʻoihana maʻalahi o ka aupuni ma mua o ko mākou, akā naʻe, ua palekana lākou i nā mea likeʻole.
Me he mea lā i kēlā me kēia makahiki, aia kekahi mau kānāwai hou, nā kānāwai, nā palena a me nā mea hou aku. Pono e mālama pono ka luna waiwai kūikawā iā lākou, ma ka liʻiliʻi ma ke kūlana kiʻi nui. ʻO nā poʻo inoa a me nā mea hāʻawi kālā he nui aku i loko o lākou, no ka mea, pono lākou e lawe pololei i nā pepa.