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. 🏝️ What is Hale Kamaʻāina? It’s a mortgage program created to help local residents purchase a first-time home in Hawaiʻi with less money out of pocket and more affordable fixed rate 30-year mortgage loans for eligible borrowers. If you’ve been waiting for the right opportunity to buy, this program could be worth exploring. ➡️ Swipe to learn how it works. . 💡 How does Hale Kamaʻāina work? The program offers financing designed specifically for Hawaiʻi residents, first-time buyers, purchase a home with a lower upfront investment. Benefits may include: • Lower down payment requirements • Competitive financing options starting as low as 4.65% with 0 points. • Owner-occupant programs • Potential compatibility with other buyer assistance programs Every buyer’s situation is different, so it’s important to speak with a lender to determine your options. . ✅ Who qualifies for Hale Kamaʻāina? While requirements vary, the program is intended for Hawaiʻi residents purchasing for the first time. Factors include: • U.S. Citizen or Resident Alien • Bona fide resident of Hawai’i • At least eighteen years of age • Household Income within Program limits • Received Recapture Tax Notice • Successfully completed a homeownership counseling program through a housing counseling agency approved by the United States Department of Housing and Urban Development • First-time Homebuyer: The borrower, including the spouse, must not have owned or held any interest in a principal residence within the past three (3) years In addition to other requirements. Not sure if you qualify? A quick conversation with a lender can often provide answers sooner than you think. 📩 DM us to connect with a trusted local lender and learn more. Special mahalo to Carolyn Johiro at ASB for helping educate local buyers about financing options available through programs like Hale Kamaʻāina! 📷 ASB 📷 HHFDC #ONEPacificRealty #HawaiiRealEstate #FirstTimeHomeBuyer #HaleKamaaina #Homeownership

Another milestone for Ward Village. The Park Ward Village is officially open and welcoming its first residents to Kakaʻako. Located adjacent to Victoria Ward Park, the 41-story tower introduces 546 new residences and more than 30,000 square feet of retail and dining space, further expanding one of Hawaiʻi’s most successful master-planned communities. The project was reported to be 97% sold upon completion, underscoring the continued demand for thoughtfully designed urban living in the heart of Honolulu. Beginning June 3, on-site showings are available, including a preview of Model Residence 901. With only a limited number of developer residences remaining, now is a great time to explore what opportunities are still available. DM us for current inventory, pricing, and private tours #ONEPacificRealty #WardVillage #TheParkWardVillage #Kakaako #HonoluluRealEstate NewConstructionHawaii LuxuryCondos KakaakoLiving VictoriaWardPark OahuRealEstate LiveInWardVillage

Some addresses speak for themselves. Ae‘o. Ward Village. Whole Foods downstairs. Ocean views from the rooftop sky deck. Now available. 📍 Kakaʻako 🏷️ $854,000 Bonus: Storage unit available for purchase. DM for more information.

At ONE Pacific Realty, we're blessed to help families achieve one of life's biggest milestones: homeownership. Over the years, we've come to realize something important: The house was never the goal. The goal was stability. The goal was having a place that's yours. The goal was building equity instead of paying rent. The goal was putting down roots in Hawaiʻi. The goal was creating opportunities for future generations. Behind every purchase is a story. Months—or sometimes years—of planning, saving, and sacrifice. That's why we never see real estate as simply buying and selling property. It's about helping people build a foundation for the future. What did homeownership mean to you when you purchased your first home? We'd love to hear your story below. 👇

Memorial Day in Hawai‘i carries a different kind of stillness. Across the islands today, flowers are placed, stories are shared, and loved ones are remembered in quiet ways both big and small. At ONE Pacific Realty, we’re reminded that home is more than a place — it’s where memories, traditions, and generations stay connected. Today, we pause with gratitude for those who served and sacrificed for our country. 🌺 Wishing everyone a meaningful and reflective Memorial Day.

SOLD. Congratulations to our first-time buyer client on the purchase of her new Honolulu home. What makes this milestone especially meaningful is that she accomplished it independently. No co-signer. No down payment assistance from family. No shortcuts. Just careful planning, discipline, and a commitment to a long-term goal. Stories like this are an important reminder that while Hawaiʻi's housing market can be challenging, homeownership is still possible with the right preparation, guidance, and strategy. We're grateful for the opportunity to have been part of the journey and wish her nothing but happiness in this exciting new chapter. Thinking about purchasing your first home and don't know where to start? Let's talk story.