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The American Dream Come True: Owning Your Own Home

If you’ve been dreaming about owning your own home, now is the time to buy, while mortgage rates are still affordably low.

The reality is that there are major benefits of home ownership:

• There are possible tax deductions, generally based on the annual amount of interest paid on a mortgage, some closing costs on the loan, and real estate property taxes. Be sure to consult your tax expert.

• The equity you build in your home over time can be a money-saving financial tool: For example, you can borrow against the equity through a Home Equity Line of Credit that’s usually at a much lower interest rate than credit cards.

• Your home truly is your castle. Repairs, upgrades and decorations are up to you.

• And yes, your home is your nest, in a community where you have chosen to perhaps build a family, connect with neighbors and enjoy pride of ownership.

When you’re ready to make that dream come true, Aloha Pacific Federal Credit Union is ready to help with low rates, low fees and personalized service.

A full-service mortgage lender, Aloha Pacific FCU offers local servicing through its affiliate, CUSO of Hawaii Services LLC. In addition, another affiliate, Aloha Pacific Premier Realty LLC, provides professional services for those buying and selling (see story at right).

Visit an APFCU branch, call 531-3711 or check out the website,

Membership ($5 in Regular Savings) required. Loans are subject to approval. Some restrictions may apply. Contact Aloha Pacific FCU for applicable fees and terms. Hawaii NMLS# 377314

Buying? Selling? We Can Help

Aloha Pacific Premier Realty can help you navigate the real estate landscape, whether you’re buying or selling.

Buying? You’ll need experienced guides who know the ins and outs of the market.

Selling? Did you know that the median price for single family homes and condos on Oahu is $750,000 and $425,000, respectively? These properties are also selling very quickly – with an average of 14 days on the market.

At Aloha Pacific Premier Realty, the news gets even better with our members-only discounted sellers’ commission. While most real estate firms charge a total of 6% of the sales price, we offer full realty service for 4.5%!

For more information, call our Realtor, Reyn Uehara, at (808) 383-8072 or email him at He can provide you with a free comparative market analysis to give you an idea of what your property is worth.

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