Hopeful Homebuyers Get Educated For Free—See Link Here

www.hihomeownership.org/homebuyer-education-schedules

There is a lot to learn about buying a home and it all centers around lessons everyone should master to excel financially in American society. If you want to make a big purchase, like a home, you need to have certain characteristics. I will list these qualities in my own words.

You need to be trustworthy with money. If you borrow, repay. If you make money, do not squander it.

You need to be the kind of person people will vouch for. Like the people who come up with your credit score.

If you make financial mistakes, fix them. Pay off anything in arrears. Talk to people so you can jointly come up with a payment plan

You need to have something to show for your efforts with money: such as a good reputation (credit score), saved money (down payment), and possessions visible to anyone who cares to look (collateral).

If you do these things with your money, a world will be opened to you because a good credit score allows you to purchase things you cannot afford outright. People trust you to pay your debts. You see, these is a way to live beyond your means. Educate yourself with basic personal finance lessons to learn how. This education is your plan of action.

View of the Diamond Head Crater and Waikīkī beach from the condo Regency Park, in the Kaimuki area of Honolulu.

You too can own the vantage point that shows this view. Go online and google “first time homebuyer free resources.” You can add your location to your search. Then, make it your mission to get everything that is out there for you, without spending a penny.

#hihomeownership.org

#communityresources

#planofaction

#lifebeyondyourmeans

#RegencyPark

Make Money, by sending me referrals

Hawaii’s Tangee Lazarus, REALTOR(c), here. I want ti be noticed. It is the only way ti make a living at real estate. I want to increase my chances by incentivizing referrals. In other words, if someone refers someone to me , I will pay the referrer a portion of the commission. And yes, this will be formalized in a contract. Tell me what you think.

Part 2 of controversial personal credit score lessons for homebuyers

Hawaii’s Tangee Lazarus, REALTOR(c), here. I want to share some of what I have learned about credit. You need the best possible credit score when you are looking for a home. I have learned:

*paying off all of your credit card debt is wonderful BUT, there is an unexpected risk. I paid off all of my credit card debt by taking some money out of savings. It was costing me more to carry debt with interest than I could make up by saving. I wiped out the debt. My credit score shot up by about 100 points almost immediately. I kept my purchases well under the recommended 30% of available credit. I was proud to use only 3% of available credit

Imagine my horror when I saw my credit score plummet by almost 40 points, practically overnight. Why? I went from using 0% of my available to using 3% and that was viewed as a reversal of progress!

What I do now is, I pay off my debt, and leave a little bit of debt in place so I can consistently make progress. The truth United States, if you go from using 30% of available credit to 20% of available credit, your score will be positively impacted. If you go from using 1% of available credit to 3% of available credit, your score will be negatively impacted.

Is this reward system a set up by the powers that be to keep us in debt? I don’t know. Is my perception wrong? Please correct me! I am open to anyone which has the inside scoop in what we need to do to get a number attached to our name that makes it possible to have more in life. Including a home!

Disclaimer: I am not a banker. I am not giving advice , or telling you what you should do. I am simply sharing what has happened for me and to me. Your experience may vary.

Schools don’t teach about credit scores but I am a real estate agent who does!

lazarushawaiirealestate.com/2025/06/07/schools-dont-teach-about-your-credit-score-but-i-do-linkedin-popular-post-part-i/