Aloha!With so many real estate agents
to choose from, what set’s
Mathew Ngo apart? He focuses
on building long term
relationships with his clients.
Ensuring that all Mathew’s
clients receive his personal
touch in every transaction is of
the utmost importance. His
unique ability to listen and
understand your needs and
desire, and even fears, is why
Mathew is proving to be one of
most valuable agents on Oahu.
Low HighSupply Demand
Low HighDemand Supply
Buyer’s Market Seller’s Market
The real estate market moves through cycles. These cycles
are caused by supply and demand issues.
may jun jul aug sep oct
aprmarfeb novjan dec
by National Association of Realtors
of home Buyers
were under 35
of ﬁrst-time buyers
were between 25
and 34 years old
while most repeat
between 35 and
54 years old.
2017 were ﬁrst-
A home is most likely the biggest
purchase you’ll ever make,
and it marks a major step in life.
There’s no scientiﬁc formula that tells
someone when they’re ready to buy,
but you should take stock of your
ﬁnancial situation as well as your
In general, there are a number of
advantages to homeownership,
both tangible and intangible,
that you’ll want to consider.
Every payment you make on your mortgage puts you one
step closer to acquiring a major possession. And every
improvement you make to your property not only enhances
your way of life, and also adds value to your home.
Once you purchase a home, the bulk of your housing costs
are not exposed to inﬂation. That means your only housing
expenses that will rise over time with inﬂation are property
taxes, homeowners insurance and maintenance costs.
Because a home increases in value
even as you are paying down your loan,
most buyers eﬀortlessly build equity.
Equity creates wealth and can help you
accomplish any number of ﬁnancial
goals, such as paying for retirement
and funding a child’s education.
Your real estate
taxes and the
interest on your
your income tax.
For many buyers,
that tax break can
go a long way
just as aﬀordable
For many people, but certainly not all, home ownership simply
makes life more enjoyable, whether it’s the pride that comes
from decorating and maintaining your home or the knowledge
that your family will grow up in the neighborhood of your
choice. Homeownership is still the American Dream.
Once you have obtained
a mortgage pre-approval
and selected a real
estate agent... home search.
You are readyto begin your
Using the guidelines you set forth,
your agent will present you with
available listings. In addition to price
and property attributes, pay close
attention to data like property taxes,
market time and monthly assessments
for condos and town homes.
Your real estate agent will schedule
showings and accompany you on each
appointment. When you walk through a
home, some things to consider are: how
space functions for your lifestyle; what’s
included in the total square footage
(lanai and garage); and, in new
construction, which features are
standard and which are upgrades.
According to the U.S. Department of Housing and Urban
Development, the average buyer will view 15 homes before
buying one. But that is just an average. Some buyers will
purchase the very ﬁrst home they see. Others will look at
Remember, if you are attending
Open Houses without your agent,
be sure to mention that you are being
represented by your agent. This will
save you from being inundated with
calls from other agents trying to
represent you. Ask your agent to
supply you with some of his or her
business cards to make the Open
House sign-in process even easier.
Discuss each home you see with your agent, and
provide candid feedback. Your expectations and the
marketplace will begin converge, and your agent will be
able to adjust certain parameters such as location and
features in order to present you with alternatives.
When you ﬁnd a home and are ready to make an oﬀer,
your agent will perform a Comparative Market Analysis or CMA.
This report compares the subject property with other
properties that are currently listed and recently sold to
help you formulate your oﬀer.
Chances are, when you ﬁnd a home you absolutely love,
someone else make love it too. So it’s important to act quickly
and make an educated oﬀer based on a rational approach to
pricing and negotiating that you and your agent have discussed.
To start the process rolling, your agent
will draw up a contract that includes
your oﬀering price and other terms
Buyers often focus on price, but there
are other important terms to a real
You can include any terms you like,
but the more you add, the more likely
the seller is to object.
Here are the most common elements
of a real estate contract:
The market will determine the ﬁnal
price but your agent will help you
formulate an oﬀer based on
comparable listings and sales,
and current market conditions.
A mortgage contingency stipulates that you will buy the
home subject to obtaining a mortgage. If you cannot obtain a
mortgage and the seller will not agree to ﬁnance the sale,
then the contract will be void. The terms of the mortgage must
be stated in the contract, and you will also need to establish a
timeframe for securing ﬁnancing.
A thorough inspection of the property
by a licensed home inspector protects
you against structural of material
problems that are not detectable in a
casual walk-through. Home
inspections are just as important in
new construction as they are in resale.
Obviously, buyers can’t inspect a
home that isn’t built yet, but they can
request an inspection prior to closing.
In new construction, an inspector will make sure that all
mechanical systems are working properly. They may also
spot repairs that need to be added to the builder’s punch list
(a list of items that need to be completed). The buyer, not the
seller, is responsible for hiring and paying the inspector.
Is a deposit, given by the buyer to the
seller, which secures the contract until
closing. It is usually in the form of a
check, must be given to the seller or
seller’s agent along with the contract.
Earnest money is typically held in an
escrow account until the closing, when
it may be applied to the down payment
and/or closing costs.
If the sales does not go through due to contingencies
covered within the contract, then the earnest money may
be returned to the buyer. However, if a buyer is in breach of
contract, then the seller may be entitled to keep all or a
portion of the earnest money.
DateOne of the most important terms of a
real estate contract is the closing date -
the date when ownership changes
hands. This is usually, but not always,
the date that the seller must vacate and
the buyer may occupy the property.
Flexibility on the closing date can give
buyer a big advantage over other
potential buyers. Occasionally, it can
also allow you to negotiate a lower price
or other, more favorable terms.
In many transactions, there is a fair
amount of negotiation - oﬀers and
counteroﬀers - before both parties are
satisﬁed. This is one aspect of a real
estate transaction in which an agent is
invaluable. Not only can an agent draw
upon his or her experience and market
knowledge to oﬀer sound advice during
a negotiation, but he or she can also
serve as a buﬀer between the buyer
and the seller/seller’s agent.
Negotiating for a home can be a highly charged and emotional
process. But the most emotional buyer will look like one cool
customer behind the right agent, and in the end, you usually
wind up with what’s important to you.
Remember that most
transactions involved a fair
amount of negotiation
between the initial oﬀer and a
signed contract. Keep in mind
that price isn’t the only thing
that’s negotiable in the sale of
your home. A potential buyer
can add any number of terms
to the contract, which may
make the oﬀer more or less
attractive to you.
Some of the
elements to consider are:
Knowledge of the current market is
invaluable in helping you decide
whether to accept the oﬀered price
or counter with a higher one.
Helping you consider the time
value of money in your decision,
i.e. will a higher oﬀer oﬀset
potential additional carrying costs?
Most buyers purchase a home subject to obtaining a
mortgage. The terms of the mortgage and a timeframe for
securing ﬁnancing must be stated in the contract. Make sure
you are comfortable with these terms and the buyer’s ability
to obtain a mortgage, because if they cannot, the contract
will be void.
Most buyers choose to conduct an inspection of the property
with a licensed home inspector to identify potential structural
or materials problems. If the inspector uncovers any issues,
you and the buyer must negotiate what items will be
addressed, by whom, and who will pay for them.
This is the date when ownership
changes hands and usually, but not
always, the date when you must vacate
and the buyer may occupy the property.
If you have speciﬁc requirements for
scheduling the closing due to your own
move, the buyer’s ﬂexibility in this
regard might be an important factor in
deciding to accept an oﬀer.
In a real estate transaction, there are
dozens of loose ends to tie up between
signing the contract to closing the sale.
Mathew is known for his attention to
detail during this important phase in
which he coordinate and oversee the
Deliver earnest money with
seller or seller’s agent.
Recommend and schedule a
home inspector and accompany
the buyer on the inspection.
Obtain important documents,
such as property disclosure
forms and condominium
documents (budget, declaration,
condo association minutes),
and deliver them to the buyer.
providers for moving,
Schedule a ﬁnal walk-
through. Again, both
buyer and buyer’s
agent should be
attend your closing.
Mathew will work closely with you, your lender, and the
seller’s agent to make sure everything is in place for a
smooth and eﬃcient closing.
No need to print, fax, or scan real
estate documents because all the
documents are signed online
using DocuSign, the leading
provider of electronic signatures,
so you can be assured your
signature is secure.
Electronically signed documents
are clear and easy to read. Sign
with just a few mouse clicks from
any where in the world as long as
you have internet access, even
from your smart phone.
About Better Homes & Gardens
Real Estate Advantage Realty
#1 Better Homes & Gardens Real Estate® franchise in Hawaii
#5 Real Estate ﬁrm in Hawaii
The company was founded in 2004 in Honolulu, Hawaii and joined the
Prudential Real Estate Network. They quickly expanded from 6 realtors in
Kaimuki and moved to their current location on the upper level of Kahala Mall
in 2009. With over 90 licensed agents and a support staﬀ of 16, the
company aligned with Better Homes and Gardens Real Estate in 2015 and
continues to provide exceptional service to the people of Hawaii.
A TRADITION OF "CLIENT FIRST" CUSTOMER SERVICE
The company's success is based on a commitment to a "client ﬁrst"
approach to real estate. By utilizing the latest technology, an unparalleled
training program, local expertise and the national network strength of Better
Homes and Gardens® Real Estate, their real estate professionals eﬀectively
service each of their clients based on their unique needs and help
them reach their real estate goals.
AN AWARD-WINNING COMPANY
Better Homes and Gardens Real Estate Advantage Realty has consistently
been honored with numerous awards, including:
• Top 250 Hawaii Businesses in 2016 -Hawaii
• Voted Hawaii’s Best Real Estate Firm award
2017, 2016, 2015, 2014, 2013, 2012, 2011
& 2010 by Honolulu Star-Advertiser readers
• Voted Best of Honolulu Real Estate Firm award
2017, 2016, 2015, 2013 & 2012 by Honolulu
• 50+15 Fastest Growing Businesses award
2014, 2010 & 2011 (Paciﬁc Business News)
• Best of the Best Real Estate Firm award 2008 &
2009 (by Honolulu Advertiser readers)
With a wealth of online resources, a growing “for sale by
owner” market and countless cable TV shows on the subject or
real estate, it’s not surprising that some homebuyers consider
a “do it yourself” approach when purchasing a new home.
But for most, a real estate
professional is an indispensable
partner in the home-buying
process. While buyers today are
more educated about real estate
than ever before, all the research
in the world can’t match an
experienced agent’s “in-the-
trenches” understanding of
what’s happening in the market
Without the pavement-pounding
and advance scouting an agent
does on your behalf, you might
wind up overpaying for a home
or losing out on the home of
If nothing else, keep in mind that a
buyer’s agent is typically
compensated by the seller. You have
nothing to lose and everything to gain
by tapping the expertise of an agent.
And from the moment you select
Mathew as your agent until the day
you move in, Mathew will be working
Also, unlike a parent, spouse, partner
or best friend, an agent can give you a
completely objective and professional
opinion of the properties you are
Mathew Ngo | Realtor
Better Homes & Gardens
Real Estate Advantage Realty
4211 Waialae Ave, Box 9050
Honolulu, HI 96816
“In all my years buying and
selling real estate, Mathew Ngo
is the best. P.S. I’m 75 years
Pete S. - Honolulu, Hawaii
In our ultra competitive
real estate profession,
past client’s referrals
is ultimately the
lifeblood of my future
And as such, below are
excerpts from a few of
many thankful notes
received from satisﬁed
& happy :) clients.
is an important
function of the hiring
process, please feel
free to contact any
of my past clients.
I simply hope to
earn your business.
is upon request.
"We conducted a few real estate transactions over the years, and as the sellers, we usually wouldn’t
take notice of the buyer’s agent, but Mathew was so exceptional that we couldn’t help but notice."
2233 Ala Wai Former Penthouse Owners/ also AOAO Board Member (Honolulu, Hawaii)
“You are a first-class real estate agent and I truly value your expertise. Beyond that, you have a great
Eric Ives & Miki Akiyoshi (formally Honolulu residence, relocated to Washington DC)
"In all my years buying and selling real estate, Mathew Ngo is the best. P.S. I'm 75 yrs old"
Pete Sullivan (Hilo, Hawaii)
" I am happy to recommend Mathew Ngo. He's pleasant, kind, sincere, honest and helpful! Great
Rikki Jo Hickey (formally an Oregon residence, relocated to Honolulu, HI)
" We truly appreciate all the hard work you put in to helping us locate, research and purchase our
property. The exceptional personal service provided should be commended. You can definitely count on
our recommendations for your services to our friends"
Mark & Rie Sasaki (Honolulu, Hawaii)
"Mathew did an excellent and exceptional job of selling my condo in about 2 weeks and helped me
purchased another condo”
June Yu (Honolulu, Hawaii)
"Mathew made our experience of purchasing our 1st home memorable and surpassed all of our
Brian & Carolyn Ishikawa (Honolulu, Hawaii)
"Mathew made it all very convenient and as easy as possible purchasing; we were at a distance and didn’t
feel at a disadvantage”
Barry & Margaret Patrick (Saratogo, California)
"The usual advice to buyers of real estate is to “Get your own realtor and don’t rely on the seller’s
realtor”. We went against that advice in this case and dealt exclusively with you, the seller’s
representative. From our standpoint, you handled the entire transaction in a completely forthright and
helpful manner from beginning to end. We are very please and appreciative of your help”
E.J. and Patricia Stemig (Hermosa Beach, California)
Mathew understands what’s
important to you in buying
your home because he listens.
It all boils down to good
communication, and there
are a few things Mathew
knows that are important.
- these simple but vital
principals are behind every
transactions Mathew does
each year, as well as the
Mathew enjoys being
involved in the
real estate circles.
staying in touch
Here are some of the
that keep you informed
before, duringand a"er
You will receive news and
updates on the local real
estate market through
Long after your home is
purchased, Mathew is available
to provide information and
answer questions not only about
local real estate market but also
about all things Honolulu.
Mathew is an incredible resource
when it comes to recommending
home repair and maintenance
contractors, professional service
providers and neighborhood
businesses. Mathew is always just
a phone call,
or e-mail away.
Mathew Ngo (R)
Better Homes & Gardens
Real Estate Advantage Realty
4211 Waialae Ave, Box 9050
Honolulu, Hawaii 96816
“My future success
is built on your