How to buy a home with low down payment in Hawaii? 頭金が少なくてもお家が買える？

There are always dilemma as to buy or continue to rent. What is the biggest barrier for buyer to purchase a home? Normally, saving up for the down payment for many years. Then, how people are buying homes if you don't have down payment ready? Take advantage of what this non profit organization can offer.
賃貸を続けるか家（またはコンドミニアム）を購入するかは誰でも悩むことですが、そこで一番のチャレンジは通常頭金を用意することでしょう。
では、頭金がそこまで貯まっていない場合、家（またはコンドミニアム）をどうやって購入できるでしょう？
Hawaii Home Ownership Center(HHOC) continuously provides down payment assistance program that helped thousand's of people to become a 1st time home owner in Hawaii. There are actually loans available with low down payment, yet with this program(DPAL), you can avoid paying for purchase mortgage insurance that comes with low down payment loan usually.
非営業のハワイホームオーナーシップセンターでは、今年も頭金補助のプログラムがオファーされています。このプログラムはDPALと呼ばれ、通常２０％以下の頭金でローンを組む場合に必要なローンにかかる保険料を払うことを避けることができます。

Right now, HHOC offers 5% down, down payment assistance program. What that means is that you just have to come up with 5% of home purchase price, then rest of the 15% will be filled by the program. There, you have 20% down to purchase a home! Please note that it's ALWAYS a good idea to have more funds available though. At lease about 4% of home purchase price for closing cost and so on. Home purchase is a lengthy process, you will need lots of patience even during the time you are shopping for it. But the reward you get is priceless. You WILL become a home owner.
現在オファーされているプログラムでは、５％の頭金が用意できれば、このプログラムを使って物件の購入が可能になります。（５％＋DPAL１５％＝Total２０％頭金）もちろんそれ以上に余分な資金を用意しておくことは必要です。（購入の物件の４％＋）

物件の購入は、購入を決心し、プランをたてるところから始まり、実際の購入までと、とても長いプロセスなので忍耐が必要ですが、それを乗り切れば、あなたもお家のオーナーに！

If you are seriously considering buying a home in 2014 with getting a down payment assistance from HHOC, first thing you can do is to get a consultation through them to find out where you are financially. What I love about HHOC is to educate future home owners to be ready to KEEP the house. What you really don't want to do is to buy a house that you love and lose it.
今年初めてのお家（またはコンドミニアム）を買うのを考慮されてる方、まずはHHOCにてバイヤーコンサルテーションをお考え下さい。購入後も買われた大切な物件をいかにキープしていくかまで教えてくれます。

Are you a 1st time home buyer? Need down payment assistance? E-mail me for details. Hitomi@shirokiyaestates.com Buyer's education program is also available through Hawaii Home Ownership Center.
初めてのお家探しお手伝いいたします。まずはメールでお知らせください。Hitomi@shirokiyaestates.com