Tuesday, June 9, 2020

ハワイの最新不動産情報 ハワイでのコロナの影響は?Hawaii, Oahu Real Estate Newest Stats from MAY 2020

As we were all wondering how our economy and everything else have been going, here is a stats from the result of May in Oahu. Everybody says lots of things and throw opinions, and feelings, which are all valid to express yet one thing for sure, the data won't lie. 
ハワイ、オアフ島の不動産は常に安定、成長気味ですが、今回のコロナの影響は?

Although we've had the fear and skepticism in our on-going economy, the data shows relatively stable trade in Oahu real estate. It slowed down for sure because of lock down measure and all, yet I am sort of surprised as the impact we got from it either hasn't shown it yet or didn't affect our local economy as much. According to the data,  it takes only 13 days for the homes to be sold. Our office had multiple offers on single homes, rather than condo unit (Which took longer yet still 23 days to be sold). 
明らかに言えることは、コロナバイラスの広がりを警戒してロックダウンとなったオアフ島ですが、その割には意外に落ち着いた結果を見せています。

売り手:市場にでている物件の平均日数 一軒家で13日、コンドミニアムで23日
(平均して、一軒家で2週間、コンドミニアムで3週間以内に売れるということ)

With new listings and pending sales are both down, that drove the demand higher than available homes for purchase in the Oahu market. Could this be a chance for the seller to sell with advantage? 
新しく市場に出てきた売り物件及び、保留になっている物件数が少なくなっているため、買える物件の数が必然的に少なくなり、いい物件がでたらすぐに買いのオファーが出る傾向にある。

Oahu real estate shows hyper-local characteristics: neighborhood to neighborhood, and street to street. Please contact how YOUR choice of neighborhood would be like for you to sell or purchase homes. Nothing is a cookie cutter in Oahu Real estate. 

オアフの不動産状況は通りが変わるだけでもかなり変わるため、ご自分の不動産売買を考えられているエリアの情報をリクエストして下さい。(リクエストはメールにて)




皆様、お身体にお気をつけいただき、お気軽にご連絡下さい。

Please feel free to reach out for any questions you might have. Thank you for hanging in there together during this pandemic. Please stay safe, practice good social distance, and God bless us all.

 For home ownersDepartment of Commerce and Consumer Affairs Information Center 808-586-2634 [8a.m. to Noon Mondays through Fridays]  They can provide you with information about Hawaii's residential Owners Code.

*Home owners are still legally required to pay all the bills(Mortgage, maintenance fee, utility bills) unless you contact your lenders for any special arrangements that you can settle the matter personally.

- For resources for Food, Housing, and Utilities: 
Aloha United Way (Call 211) https://www.auw211.org/
Hawaii Food Bank http://www.hawaiifoodbank.org/emergency-assistance
The Food Basket 808-933-6030 https://www.hawaiifoodbasket.org/

The U.S. Small Business Association Economic Injury Disaster Advance Loan:
https://covid19relief.sba.gov/#/

#hawaiirealestate
#Oahurealestate
#luckyweliveinhawaii
#loveohana
#Supportohana
#coronavirusresources
#century21iph
#hawaiihomes
#Staysafe

Today's local business highlight! 



Craving for Authentic Japanese food!? It was sooooo yummy! We did curbside pick up. Made me miss Japan! (>.<) (^.^)




Go to my website for quick search! 


No Image  
Hitomi Ozawa Simmons
 ([RA] RE Lic# RS-74864)

1585 Kapiolani Blvd, Suite 1533
Phone/Text: 808.554.3410


Sunday, May 10, 2020

Protect your investment - Homeowner help resources ホームオーナーとしての投資資産を守る


Hope everybody has been staying safe and well!
During this pandemic due to Covid-19, basics that we tend to take advantage of, became more apparent that it's so very important for survival/sustaining. 
Foods, homes, jobs, and other means. Especially U.S. economy had been so strong and prosperous leading up to this point of time, many were not prepared for this. 
Have you watched the show called, "Undercover Billionaire" ? As the business man, Glenn Stearns tried becoming a millionaire starting with the seed money ($100), he states that the securing the shelter is so important for him to be more efficient. Then, I thought, although it's not a new idea to anybody, it does make sense and that's why its important to secure a housing. A place you can feel safe, a place you can rest well. Anyone who was fortunate to experience hardships, would learn and plan for better. It comes with your own experience or witnessing other's experience to learn and plan better (If you are latter type of person, who can get the wisdom so quickly, then good for you!).
皆様こんにちは!お元気にしていらっしゃいますでしょうか?
コロナバイラスの非常事態で、いかにこの状況に耐えることができるかが課題となっている中、生きるための基本要素(食べ物、住居、職)の取得が困難になってきています。

テレビのアンダーカバービリオネアーという番組で、事業家が、100ドルだけを持たされ、ミリオネアーになるというチャレンジをする内容があり、その事業家が車の中で生活していたところからようやくアパートを借りれるようになり、住居の大切さを語っていたのがとても印象的でした。住居は安全を確保すると共に、きちんと休み、効果的に働くことができるようになると。

There are 3 types of situations that might be happening with everybody's shelter(home) situations.
住居の状況は大概、以下の3つに分かれるでしょう。

1. Needs a shelter/home (<- Click on the link to get info on the list of agencies that provides the helps)
1.現在住むところを必要としている。

2. Renting a shelter/home : If you are experiencing the financial hardship, please contact your landlord to discuss options. If you are doing ok, yet would like to explore options (Another rental property search/ what you can afford in this market and so on), please contact to discuss your options.
If you would like to re-manage your finances, there is also a great FREE tools that you can start using right away.
Those are old-school budgeting in every occasion yet SUPER effective, you will find it very useful I believe.
If you are sort of ready and would like to see what types of properties are available, please proceed to check here for quick search.
2.現在住むところを借りている。もし、家賃の支払いが難しくなってきているじょうきょうであれば、すぐに大家さんに連絡をして何ができるか相談してみて下さい。
もし、現在は問題は特にないが、違う住居を探している、あるいは購入を考えている場合は、ご相談ください。
もし、お金の状況を見直ししたいという場合は、こちらの無料で使えるリンクを使ってみて下さい。FREE tools  基本的にはすべてにおいて予算を組み、収入と出費の状況を管理するのに使えます。

3. Owns a shelter/home : Please scroll down to see what options you might have to sustain during pandemic/financial hardship period.
3.現在住むところを所有している。住宅ローンの返済が厳しくなっている場合は、下にスクロールダウンして、どんなオプションがあるかチェックして下さい。


As a realtor, we always talk about benefits of home ownership. Not only it's nice to be, but also it's very efficient way to save money over time in the name of EQUITY. 
When you are renting, you are helping your landlord's mortgage or cash flow by giving the person a monthly rent, which usually is the most expense for a lot of renters every month.  What if you can save the money that you used fore rent every month? But it will be called "Mortgage"? The most efficient way to save money is to get a home when your finances are ready. Although with smaller down payment, with mortgage insurance (Please feel free to contact me if you need help with terms and further explanations.).  Depending on the housing market of your desired area and interest rate on the loans, it makes sense to get a second mortgage to generate the necessary down payment to purchase a home. While I see cancellations of home purchase not foreseeing the future, some are looking into Ohana purchase (Tipping in as a group of family members to get a home.). Whatever works for each situation, it's worth a try. (We do have an investor consultation, study groups, please contact if what you are thinking about is legally possible)
不動産業者としてはもちろん、家の売り買いを称賛しますが、それには大きな理由があり、その一つとしては、やはりその経済効果です。
賃貸をしている間はその賃貸物件を所有している側のローンの返済を間接的に手伝っており、自分の資産として残らないプラス、一番高価な出費が住居費なため、貯金が難しい。
反対に、自分で所有する場合は、住宅ローンを通して、所有物件に資産が貯まっていく。
状況により、頭金にもローンを組んだとしても物件を早めに買う方が効果的な場合も。

As for current home owners, it's the sustainability during this pandemic and recession. Which is "How to keep your home". I am including the reference from National Association of Realtors, please feel free to pass it on.  This content covers a few ways for you to think about, but most importantly, you need to talk to your lender right away if you are experiencing the current hardship and finding yourself not being able to continue paying your mortgage. That's way better than jumping in to something completely new services that sounds too good to be true. Please always remember, the scammers are working very hard to try taking advantage of this economic recession to make money wrongly and illegally.
現在お家を所有しており、経済的に困難になってきている場合は、早めに銀行に相談してみて下さい。この状況を悪用した不審なサービスが出回っているので気をつけて下さい。

内容及び、何か質問がある場合はいつでもお気軽にメールにてお問い合わせ下さい。






Please continue to stay safe, and wash and moisturize your hands often! 



#COVID-19resources
#NARCOVID19recource
#Hawaiihomeownershiocenter
#helpinghawaii
#helpourohana


Go to my website for quick search! 
No Image  
Hitomi Ozawa Simmons
 ([RA] RE Lic# RS-74864)
1585 Kapiolani Blvd, Suite 1533
Phone/Text: 808.554.3410
Fax: 808.988.8077
Email:  hitomi808ozawa@gmail.com
*** Ask me about 10% donation to your favorite non-profit organization when you choose to work with us! ***





Thursday, April 23, 2020

Resources that might help you during this pandemic - Mortgage Forbearance, Economic Impact Payments and more!


Hope everybody has been doing the best they can during this difficult time as that's all we can do! My motto is always, try to control what I can control. I may not be able to control your behavior, yet I can control and improve on mine. As being preached by everybody at this point, let's wash hands, be mindful about what we are touching. Clean/disinfects surfaces that we touch more often than before.

As the pressure to go back to work has been increasing rapidly ( because how else we can get money, right?), there are easy to understand posters that are available for household/businesses to share with others. Although those are easy/simple enough, what might happen at home/work is that we tend to focus on what's in front of us (=interaction with others). If it's a very small group of people(2-3 people), highly manageable, however imagine dozens of people are all going back to work and more people are interacting regardless of rules and regulations. We can easily forget what we are supposed to do. These posters will definitely help us all to remind us, if they are posted everywhere we can see.









As for more immediate financial helps for renters, landlords, home owners and home buyers, here are some detailed info from National Association of Realtors, which includes CARE Act and Regulatory Actions by Congress. 



Because of many inquiries on what this Mortgage Forbearance is, here is a link to the video that explains what it is from Consumer Financial Protection Bureau (Official Government Site). 




Lastly, I am also including this link that explains a few things about stimulus check.




As scammers are also working so hard with their malicious intent, if you suspect anything, please report! 

Federal Trade Commission Fraud Report System




Please continue to stay safe, and wash and moisturize your hands often! 



#COVID-19resources
#NARCOVID19recource
#Hawaiihomeownershiocenter
#helpinghawaii
#helpourohana


Go to my website for quick search! 


No Image  
Hitomi Ozawa Simmons
 ([RA] RE Lic# RS-74864)

1585 Kapiolani Blvd, Suite 1533
Phone/Text: 808.554.3410

Monday, April 13, 2020

Oahu Real Estate Market March Stats and useful resources for Food, Housing, Utilities and more! オアフ島の不動産売買状況及び食べ物、住居その他のお役立ち情報


Hope you had a decent Easter weekend regardless of the challenges we are facing during this pandemic. Here is the real estate trade result from March. If it was closed in March, then most of the transactions started in January or February to be able to finalize in March. So there is a little delay that's reflected in the result just like any other month's report. As we know, up until this whole pandemic started, our economy was going strong and super favorable for buyers and exchangers.

As a Honolulu local agency, we have seen some cancellations due to this unforeseen economy and job situations, while some are on a hunt for good deals. ( Please email me if you are wondering about how your neighborhood or your property value might be affected/changed.)

皆様いかがお過ごしでしょうか?3月のハワイオアフ島の不動産売買情報の結果は以下の通りです。3月のセールとして含まれている物件は、1月、2月ですでに契約に入っていた物件です。住宅ローンの金利の良さ、市場に出ている物件の多さが、買い手に好ましい状況として反映しました。

オアフ島、ホノルルのローカルの老舗不動産屋として、様々な状況を見ていますが、今回のコロナバイラスの非常事態で突然資産状況が変わった民間の事業に携わっている人達のキャンセルが目立ち、投資家及び、エッセンシャルワーカーと呼ばれる人達は、引き続き物件探しが続いています。特に知りたい地域の詳しいデータは、メールにてお問い合わせ下さい。



As we fight for coronavirus pandemic together, I would like to also include some of the critical/helpful resources herein:

以下、コロナバイラスの非常事態を切り抜けるために役立つ情報

- For home owners: Department of Commerce and Consumer Affairs Information Center 808-586-2634 [8a.m. to Noon Mondays through Fridays]  They can provide you with information about Hawaii's residential Owners Code.

*Home owners are still legally required to pay all the bills(Mortgage, maintenance fee, utility bills) unless you contact your lenders for any special arrangements that you can settle the matter personally.

- For resources for Food, Housing, and Utilities: 
Aloha United Way (Call 211) https://www.auw211.org/
Hawaii Food Bank http://www.hawaiifoodbank.org/emergency-assistance
The Food Basket 808-933-6030 https://www.hawaiifoodbasket.org/

- The U.S. Small Business Association Economic Injury Disaster Advance Loan:
https://covid19relief.sba.gov/#/


皆様、お身体にお気をつけいただき、お気軽にご連絡下さい。

Please feel free to reach out for any questions you might have. Thank you for hanging in there together during this pandemic. Please stay safe, practice good social distance, and God bless us all.

#hawaiirealestate
#coronavirusresources
#century21iph
#helpourohana
#hawaiihomes

Go to my website for quick search! 


No Image  
Hitomi Ozawa Simmons
 ([RA] RE Lic# RS-74864)

1585 Kapiolani Blvd, Suite 1533
Phone/Text: 808.554.3410



Monday, April 6, 2020

We serve our Oahu community with the highest safety cautions!


ANNOUNCEMENT ON THE SAFE PRACTICE FROM Century 21 iProperties Hawaii

To our Ohana, please kindly read the below as we continue to help our beloved locals who are in need of real estate service during this pandemic.










To all the public health workers and to researchers in the scientific community, thank you


Please feel free to reach out for any questions you might have. Thank you for hanging in there together during this pandemic. Please stay safe, practice good social distance, and God bless us all.


Go to my website for quick search! 


No Image  
Hitomi Ozawa Simmons
 ([RA] RE Lic# RS-74864)

1585 Kapiolani Blvd, Suite 1533
Phone/Text: 808.554.3410

Wednesday, March 25, 2020

Hawaii's Financial Emergency Assistance Programs ハワイにある緊急の経済援助プログラム


Hope everybody is being vigilant about staying safe!
As we are wondering how this help from government will pan out realistically, I would like to share the 5 financial institutions and a few local non-profit organizations that are offering a help during this difficult time.

Herein, I listed :1. Hawaii National Bank, 2. HomeStreet Bank, 3. Hawaii State Federal Credit Union, 4. American Saving Bank, and 5. Central Pacific Bank. Plus, a few of non-profit organizations that offer grants, rental assistance programs and so on. There might be other financial institutions that are offering similar type of emergency assistance program yet these are the ones that explicitly trying to help their customers. Please contact them directly for the details of their programs.

皆さん、おとなしくお家で待機されていますでしょうか?
昨日、トランプ大統領から経済援助の内容の発表がありましたが、ロックダウンの状況の中、ハワイの銀行からのアシスタンスプログラムを以下にリストします。直接各銀行お問い合わせ下さい。



1. Hawaii National Bank / hawaiinational.bank

"WE’RE HERE TO HELP.
The spread of COVID-19 to Hawaii has drastically changed the way we live, work and play. We understand that this may have also changed the financial situation for you, your family and your business. We are committed to assisting our customers and communities, and encourage you to contact your branch, relationship officer, or call us at (808) 528-7800 to discuss the ways we can help." 
2. HomeStreet Bank / homestreet.com
"Home Loan Assistance
If you are having financial difficulties due to the Coronavirus, HomeStreet Bank may be able to help. While we are required to follow your loan investors' guidelines, with a simple telephone call we can generally provide you with important information about possible loan payment options. Please contact one of our dedicated Loan Counselors at 1-844-544-9071. Our hours of operation are Monday through Friday, 8:00 a.m. to 5:00 p.m. Pacific Time. If you are not able to reach us during these hours, you can also email us at loanservice@homestreet.com and advise us of the best method and time to arrange a call. You may also visit our FAQs page.
Business Lending Assistance
We know this is a very difficult time for businesses and we want you to know we are committed to supporting the communities we serve. HomeStreet Bank may be able to grant existing borrowers’ temporary relief in some circumstances. Please contact your HomeStreet banker or email us at Assistance for Business Loans at ABL@homestreet.com.
The Small Business Administration is offering Disaster Loan Assistance to businesses impacted by COVID-19 with loans up to $2 Million to eligible businesses. Please reach out directly to SBA for SBA Disaster Loan Assistance at disasterloan.sba.gov/ela. " 
3. Hawaii State Federal Credit Union / hawaiistatefcu.com
"Emergency Assistance Loan*
Need financial help? Get access to money with a low rate personal loan with no prepayment penalty for qualifying members.
Deferral of Loan Payments**
Get relief from making scheduled monthly payments, Hawaii State FCU loan payments may be deferred for one to three months for qualifying members. Available on auto and personal loans, including share-secured and term share-secured loans.
Penalty Free Term Share Withdrawals***
Make withdrawals from your term share after the first 6 days of the account term without an early withdrawal penalty. Minimum withdrawal is $500. If your account falls below the $1,000 (minimum balance requirement) the account must be closed. Let us know how we can help. Call (808) 587-2700 for more details.

Disclosures
Program subject to change without prior notice. Certain terms and conditions apply.
* The Emergency Assistance Loan features 0% interest rate and no payments for the first 3 months, with a subsequent interest rate of 8.000% for the remaining 3 years. The blended APR over the entire 39-month term of the loan is 6.845%. A loan of $1,000 will have 36 payments of $31.34 per month, and total interest paid of $128.11. This Emergency Assistance Loan is available to affected Hawaii residents who have been members as of 12/31/2019. Members must meet minimum qualifications established for this special program. This program and rates are effective as of 3/23/2020 and are subject to change at any time without prior notice. Speak to a Hawaii State FCU representative at (808) 587-2700 or at any branch for more information.
** Speak to a Hawaii State FCU representative at (808) 587-2700 for more information.
*** Withdrawals will reduce earnings on the account. Penalty free withdrawals do not apply to IRA Term Shares. Speak to a Hawaii State FCU representative at (808) 587-2700 for more information. "
4. American Savings Bank / asbhawaii.com

"Financial Hardship
We're here for you, and are offering solutions to help customers who may be facing financial hardship due to COVID-19. Customers may receive a loan forbearance, deferment or extension of up to 3 months. We encourage customers who may be impacted or need assistance to reach out by emailing hardship@asbhawaii.com or by calling (808) 846-4645 (unsecured loans –i.e. Personal Unsecured Loans or Lines) and (808) 846-4626 (real estate secured loans – i.e. Mortgages or HELOCs). Please note that we are experiencing high request volume at this time. Our team is working hard to respond to requests as soon as possible. "



5. Central Pacific Bank / cpb.bank
"COVID-19 RELIEF PROGRAMS FOR CUSTOMERS AND BUSINESS OWNERS CPB HAS SEVERAL RELIEF PROGRAMS TO HELP CUSTOMERS AND BUSINESS OWNERS THAT MAY NEED ASSISTANCE GET THROUGH THESE CHALLENGING TIMES. Employment Disruption Loan: Hawaii residents whose employment status has been interrupted may be eligible for our low interest rate, unsecured personal loan from $1,000 to $8,000 with terms of 12 or 24 months. Consumer Loan Deferral: If you are struggling with payments on your Term Loan or Revolving Line of Credit, you may qualify for our 3-month deferral. 
Residential Mortgage Payment Deferral: If you need relief from your residential mortgage payments, our partner, Dovenmuehle (DMI), will work with you on a program.
SBA DISASTER LOAN: The Small Business Administration (SBA) has low-interest, long-term disaster loans available to businesses of all sizes, private non-profit organizations, homeowners, and renters.

Banking Signatories, Online Authorities and Entitlements 
Review your current banking signatories and online authorities and entitlements to ensure banking transactions will not be disrupted.

Hawaii Chamber of Commerce Resources
The Chamber has a frequently updated hub and is hosting webinars for business owners to keep updated during COVID-19.
Center for Disease Control and Prevention (CDC) 
The CDC has recommended strategies for businesses and employers to plan, prepare and respond to COVID-19.
Occupational Safety and Health Administration (OSHA) 
OSHA offers guidance on preparing a worksite to avoid possible risks.
If you have questions regarding our programs to assist customers dealing with the impact of COVID-19, contact us at COVID19@cpb.bank
To apply, call us at 808-544-0500. To request a deferral, please download pdf here. To request a mortgage payment deferral, call Dovenmuehle (DMI) at 800-669-4268 or visit their loan solution center to register and submit a request - www.loansolutioncenter.com If you have questions regarding our programs to assist customers dealing with the impact of COVID-19, contact us at COVID19@cpb.bank 
BUSINESS BANKING PROGRAMS AND TIPS / SMALL BUSINESS SURVIVAL TIPS Financial Concerns:Contact your trusted Central Pacific Bank Business Officer, Branch Manager and/or Financial Planner to discuss your current situation and financial concerns.(Reference: https://www.cpb.bank/landing/covid-relief-programs)
Other Resources:
Hawaii Home Ownership Center (www.hihomeownership.org)
Helping Hands Hawaii (helpinghandshawaii.org)
Legal Aid Hawaii(legalaidhawaii.org)
(Picture Reference: helpinghandshawaii.org)

For those who need more assistance relating homes(Rental,housing, mortgages, other great programs in Hawaii), go to Hawaii Home Ownership Center (www.hihomeownership.org). HHOC is a non-profit organization that strives to help with home ownership and provides educations. They might be able to navigate you through this challenging time. Please feel free to forward this article to the ones who can benefit from this information. Please stay safe and thank you so much for reading/sharing this info!
上記の銀行以外に、非営業団体のハワイホームオーナシップセンターも参考にされてください。(hihomeownership.org)
皆様くれぐれも身体にご自愛下さい。



Go to my website for quick search! 

*Olena At Hoopili Affordable Housing Application Due on Friday



No Image  
Hitomi Ozawa Simmons
 ([RA] RE Lic# RS-74864)

1585 Kapiolani Blvd, Suite 1533
Phone/Text: 808.554.3410






Sunday, March 22, 2020

We should all wear masks and here is why. でかける時はマスクをしましょう!


Hello everyone, hope you are staying safe in this Coronavirus pandemic. My heart drops every time I see the new updates on the wild spread of the virus...

I heard about the shortage of this and that, I would like to do my part to stay away from others, so I won't be the one to bother being helped.

 I have been thinking, seeing not many are already wearing masks, maybe they think it's ok to not wearing one as they are healthy. However, I feel like they are missing the point of the "keeping distance" order. Now that we know some won't show the symptom, those "healthy ones" should also consider wearing masks to stop the spread unknowingly.

Although there is argument about the regular masks not being effective to protect you, or only the ones with symptoms should wear the masks type of recommendations out there, as long as THE MASKS REDUCES THE CHANCE of spreading/getting the virus, why not implementing it?

The below picture is from Smart Air, who educates on antipollution globally and sells the filtration items/devices(smartairfilters.com). I have no affiliation to this organization at all yet I do admire what they do.

The picture shows how small the virus particle can be...

As I live in high rise condo, where we tend to be trapped in the elevator whenever we get to a car, go downstairs to check mails, go shopping...etc...my fear is to get virus in the elevator where there is no way to get 6 feet distance from each other. So, with my clear conscious, I tell my husband to wear masks.

Particle Sizes - Virus Labelled
(Reference from https://smartairfilters.com/en/blog/best-materials-make-diy-face-mask-virus/)


Now, with the shortage of the masks happening and all, if you are crafty, or would like to try making one, those are the materials to consider making the mask with. From Vacuum Cleaner Bag to T-shirt, Pillow cases...I am sure you have one or two of them that you can use from the list below.

I tried making one with dish towel, and my husband was cracking up as it looked so humongous on my face, so I will try improving on it. :) My goal is to make a few washable ones so I can re-use it again and again. (As Pastor Wayne's service said, "God is asking for creativity" by enewhope.org.)

Dish towels are by the way, not the most softest material(therefore not so comfortable) that you place on your face, so consider doubling up with T-shirt/ Cotton material as lining.

Homemade Mask Materials Particle Capture Effectiveness

(Reference: https://smartairfilters.com/en/blog/best-materials-make-diy-face-mask-virus/)

Please stay safe, try covering your mouth/nose in public as the virus can live in the air more than 3 hours. We don't know if there was someone passed the area you just passed has potential of having the notorious virus.

Prayer to the end of all this...
God bless us all.




Go to my website for quick search! 


No Image  
Hitomi Ozawa Simmons
 ([RA] RE Lic# RS-74864)

1585 Kapiolani Blvd, Suite 1533
Phone/Text: 808.554.3410