July 2010 - Pacific Daily News
Transcription
July 2010 - Pacific Daily News
July 2010 6 A jack of all trades L I Z I N D U E N A S K E E P S E T H I C S , S E R V I C E M I N D A S S H E B U I L D S B U S I N E S S M aking it in Guam real estate requires a zest for the business and a focus on getting things done right. Liz Duenas has all that and the reputation to prove it. With 14 years of real estate under her belt she still oversees every detail herself, even after the deal is done. To Duenas, a real estate agent for RE/MAX Diamond Realty, has to be “a jack of all trades,” she says. “When you’re doing real estate it’s about the service. In order to be successful you have to focus on anything and everything. We’re not in the selling business, we’re in the service business.” That means going the extra mile to make sure clients get exactly what they want. As a real estate agent, “people come to you for help,” says Duenas. “If you needed help, you’d want someone to help you, right? I look at it that way for me. It’s the way I’d want to be treated.” Duenas normally doesn’t leave work until around 7 p.m., and then continues to work from her computer at home until the wee hours of the morning. Although she loves the way her job keeps her busy, being a resource for those in need is what she enjoys most. The right stuff Real estate, to Duenas, is a product that must be packaged correctly. “You need to know your inventory. … You need to know the information,” she says. “Your success is based on the time you spend with your work.” With her life as busy as it is — she has a husband, children, and grandchildren — Duenas still manages to use every opportunity she has to set the right example and ensure things are done right, as well as throw in a Irwin Tumbucon/For Guam Home Finder little advice Aw a r d s : R E / M A X D i a m o n d of her own. Realty Associate Broker and “I tell my Real Estate Agent, Liz Duenas, stands by some of the kids every awards she has earned durd a y, I i n g h e r r e a l t y c a r e e r. have to be vigilant of my thoughts and my actions and to stay on a positive note at all times,” she says. “Even with business and family life … if you have the joy from within, you will experience joy from without.” Despite her success, Duenas doesn’t brag about her skills. In fact, her humility makes her even more personable, transforming her from a real estate agent into a neighbor with a plethora of knowledge. “What has made me a better agent is observing and learning from other agents,” she says. “You look at other agents and you think about what made them successful, and see how those traits can improve you and your skills.” Vol. 1, No. 1 Guam Home Finder A monthly publication of the Pacific Daily News PUBLISHER Rindraty Celes Limtiaco MAGAZINE EDITOR Arleen Mad ADVERTISING Worthwhile moments Duenas’ ethical focus on servicing the customer, not her pocketbook, has repaid her with moments she treasures. “One stands out in my mind,” she says. “The transaction happened to be a home that was foreclosed on. … The daughter wanted to purchase the home to bring it back into the family.” Duenas worked tirelessly dealing with attorneys involved in the situation as well as the off-island company that held the home’s title. “The reason for the foreclosure was really tragic,” she says. The commission Duenas made from the sale was extremely small, she says. However, she points out, it wasn’t the money that mattered. “The home went back into the family’s hands,” she says. “That makes the difference because you truly made a difference in the family’s life.” It’s possible that Duenas is the saint of real estate; don’t think for a minute that potential commissions roll through her head as she drives past properties on Guam. Her driving time is actually quite solitary. “It’s my thankful time — my prayer time,” she says. Looking forward Guam’s real estate industry can rely on Duenas for years to come since she doesn’t have any plans on retiring — ever. In five years “I’ll still be doing real estate,” she says. “I think the excitement of what I do kind of fuels the spirit. I can’t see myself not working. I like what I do.” Guam Home Finder [email protected] By Janice Miller DIRECTOR Jae Fermin Medina ABOUT THE COVER Photo depicts a home that could be built within the The Laguna at Pago Bay Resort, a luxury home development in Yona. COVER PHOTO BY Courtesy of Angela Park, The Laguna at Pago Bay Resort We’re seeking your valued expertise n We’re looking for people with valuable advice and experience in the real estate or finance fields. Your submissions can cover the gamut from how to get a loan, find a good real estate agent or offer a closer look at real estate trends. If you’re interested in submitting a column, contact magazine editor Arleen Mad via: • Phone: 479-0421 • Email: [email protected] 8 Real estate in real time PAHL TAPS INTO SOCIAL NETWORKS TO MEET CLIENT NEEDS S ure, says Today’s Realty agent Duane C. Pahl, he knows that his tag line is more famous for busting ghosts than for selling real estate. But he had to have SOMETHING cool to use, since he planned to update his Facebook status pretty often. And “Call me for your real estate needs” sounded boring. “Who you gonna call? Duane Pahl!” he says. “People remember the line, and it rhymes with my name. It was perfect.” The Seattle native relocated to Guam 15 years ago and has spent the last six years as a Realtor. He’s motivated to provide for his sons — Daniel, 9, and Kai Jacob, 5 — and money doesn’t come easy. And with more than 400 Realtors for customers to choose from on Guam, he wanted another way to stand out, one that wouldn’t cost so much. Facebook, he says, works. It took a year — slow at first — to build his Facebook friends list to the 1,600-plus listed on his profile. But it didn’t take him that long to realize it was a valuable sales tool. He gets inquiries once or twice a week via his page and some of those inquiries lead to a paycheck. “I advertise a lot. But when times are tough, advertising’s the first thing to get cut. But advertising’s what you need the most when it’s slow,” he says. “It’s nice not to have a fiscal investment in this page, other than my time.” His latest example: a few weeks ago, he posted a picture of the view from a Santa Rita property to his page, which led to a few comments and inquires. Shortly afterward, he closed a deal with one of them. “It’s real-time real estate. It’s less lag time. Nowadays, a potential customer won’t wait,” he says. “If you don’t respond within 30 minutes or an hour, they’ll go to someone else.” Besides his desktop computer, where he’ll likely chat with several people in an hour, Pahl uses several tech tools: Twitter, MySpace, a netbook, an iPad and, of course, his mobile phone. He joined Facebook, taking the advice of Today’s Realty’s principal broker Anthony Godwin. “Now HE’s really tech savvy. He’s got all the toys. He talked about Facebook at a Friday sales Photos by Irwin Tumbucon/For Guam Home Finder meeting and he made it sound pretty exciting,” says Pahl. “I was into MySpace back then, but that profile was all work. Facebook is fun!” Besides his posts about properties, customer stories, golf scores, beach volleyball and his kids, Pahl added character to his posts. He posts thoughts and views of his constant sidekick for laughs, for most of his buddies know the “My Little Friend” he writes about is actually a can of Bud Light. “I don’t want to sound boring. I don’t want to be like the guy who posts the same thing over and over,” he says. “I want to stand out. I want it to be fresh.” It might sound corny, he admits, but with the sea of hungry agents out there, coup l e d w i t h G u a m ’s property listings, called MLS, available for anyone to see, Facebook is just another way to separate himself from the crowd. The results speak for themselves. “Business is good. I’ve been able to double my sales every year for the last four years. Facebook can only help.” Then, a gleeful smile creeps across his face. “Plus, my little friend likes it.” Guam Home Finder [email protected] By Jojo Santo Tomas Are you ready to build? Let me help you find a contractor to build you this 3br/2ba/1 car garage floor plan for $85K! (Restrictions apply.) Or give us your personal plans and we can get a contractor to give you a quotation. (Apartments, warehouse, condos, or other commercial projects welcome.) FLOOR PLAN ! K 5 8 $ ! K 5 8 $ Floor Plan Size Area: 929± sq. ft. Carport: 192± sq. ft. Porch: 60± sq. ft. Gems of Wisdom It’s a fragile case of what do I do, when I do, if I do. Wait a second, aren’t those prevailing thoughts thru out the course of a day. You need to pay attention to how your emotions react to such crisis. A persnickety to detail if you may. What comes out of it can either shape your day or shake you out of the week. Being consistent is being regimental in standards. You’re on a pathway to adding dimensions where distortions are rapid. Can’t seem to cleave old habits without putting up some resistance. What are you going to do? Just as easily as it was to add the tissue you can’t expect a reduction over a new plate setting. If you want to make that transition, you need a well thought out plan not some adumbrated outline you drew on a napkin. Change is never easy. Yes you can work the penumbra but to make internal adjustments takes a massive amount of energy. Most of us are not willing to exert that much effort. We all want the microwave solution. Scratch is out, instant is domain. For as long as the majority fit the description the opportunist will catapult on that phenomenon. Help is there, but it will cost you. W Wallace allace R Roberto, oberto, B Broker roker The World Are you in trouble? Do you need to sell your house, condo or land? Are you desperately running short on time? Call us. 649-HOME Visit us at our location in Tamuning 123 E. Espiritu St. GPO CHALAN SAN ANTONIO I’m actively looking to buy. Quick Closing Possible. GREAT NATIONAL INSURANCE ESPIRITU ST. X KFC ITC Email: [email protected] • Fax: 647-6770 Disclosure: Information is deemed to be reliable but is not guaranteed. Subject to change or withdrawal without notice. Broker makes no guarantees or warranties to such and shall not be responsible for any typographical errors, misinformation, or misprints. Restrictions apply. Broker is not a contractor. All rights reserved. ISLA VETERINARY CLINIC Pick up the PDN for the newest job listings! 477-7879 • Hours: M-F 8am-6pm, Sat 8am-1pm “Medicine is our passion, but Caring is our specialty!” Lisa Silk Brett Silk 25 Years Vet Experience Certified Herbalist 477-7879 Dog Behaviorlist Radio Talk show KSTEO 35 Years in Dog Training Business 488-3647 PET SHOP • Canidae Dog/Cat Food and other natural brands • Natural Doggie/Cat Treats (wheat free/corn free) • Personalized Dog Tags • Herbal Dog products • Dog clothing made locally (supports local community) • Dog grooming available • Cat Boarding • Dog Boarding • Doggie Day Care • Large Yard for dog play ground VET CLINIC • 24hr Emergency Services • Air Conditioned Kennels • Biggest Kennels on island • Knowledgeable Staff / Certified Technicians • House Calls • Allergy Testing • Military Discount DOG TRAINING • Classes Available • Non physical way of teaching 222 MARINE CORPS DRIVE, ASAN (next to Harley-Davidson) GUAM HOME FINDER Tel. 472-1PDN • Fax.472-4641 • Visit us online at: www.guampdn.com • Submit your ad • Browse the classifieds For Sale Residential 31 3Br/3Ba/3Carport w/1,000sm Lot $190K Piga 2 483-3528/483-7971 Alupang Cove 2Bd/2Ba For Sale By Owner Call: 888-6981 Barrigada Hts. 3br/2ba w/View,For Sale by Owner $399K 687-1138 Chalan Pago 4Bd/2.5Ba New House Sale $315K 727-6699 Merizo 1/2 Acre Land $35,000. Only $2,500 down. $349.25. Owner Financing. 688-0118 O/A EW PB For Rent Commercial 34 BARR OFFICE/RETAIL SPACE 1,000 - 2,000 SQ.FT. CALL ROMI 482-1818 C21R1 R.K. Tropical Plaza Ste. 104-105 Tamuning. 1609sqft. Call Kishore 646-0510 or EBS 633-4327 For Rent Commercial 34 For Rent Residential For Rent Residential 35 35 TAM OFFICE/RETAIL SPACE 810 - 1,600 SQ.FT. CALL ROMI 482-1818 C21R1 Daiichi Condo, 3Br/1Ba, Pool, Tennis Ct., G. Cond., $800/mo Call 649-7888/ 788-6788 LS PB Studio (single occupancy): $350 incl power,water,& cable 878-1253 Tam. Fronting Marine Dr. 850 sq. ft. 1st Flr.: 2,200 sq. ft. 2nd Flr Office/Retail 649-7349 / 688-3308 Ded -1BD Apt. AC,Ref/Stov/Blinds Wash/Dry,Ceramic tiles.688-0896 TAM APT 2BR/1BA $650 W/ WATER CALL ROMI 646-0510/1 C21CR1 Yigo Small Office 600, 700 & 720 sq. ft. Start $500 688-3308 / 686-1822 For Rent Residential 35 3Bd/2Ba Duplex NCS, Sec 8 welcomed! 637-4312/ 888-4630 Ag.Hts,ChlnPago,Ded,Mang,Maite 1br $450 2-3br Sec 8 ok.734-4832 Hyundai, Santa Rita Large 3Br/3Ba 632-2766 / 482-2766 ANIGUA APT 2BR/1BA $500 CALL ROMI 646-0510/1 C21CR1 Barrigada Studio Including Power & Water $700. 637-2360/898-8799 DEDEDO 3BD/1BA $1,100/mo Includes Water. Call 788-5917. Dededo Villa Rosario Condo 3Bd 2 Full Bath 1st Flr. Major Appls & ammenities. $1400 Call 649-1567 Flora Pago Townhouse 3Br/2.5Ba Upgraded, 24 hr sec. $1250/ mo 649-7888/788-6788 LS PB Tamuning 2bd/1ba, w/Appls, AC, P/Furn, W/Utility, Sec.8/Military Ok. 687-3138 USA Realty Lv Msg YIGO 3Bd/2Ba Near St. Paul Sch $1,100/mo 633-3559/482-6191 Roommates Mangilao UOG Dr. Studio AC stv ref & laundry 734-1234 36 $275/mo NCS DEDEDO INCLUDES WATER & POWER CALL 787-9528 MERIZO 3BD 2BA DUPLEX $900 NO UTILITIES, CARPORT 888-3720 Pac. Twrs 2Bd 6th Flr New Tile, Appl. & Bath $800/mo 734-2416 Dededo Room w/Utility & cable, A/C, Bed. Good Location $400 632-7930 SINAJANA APT. 2BD 1BA $595. SEC 8 OK. NO UTILITIES. CALL 888-3720 Roommate Wanted Dededo Cable & Internet Included. Call 988-8887/969-6342 Moved up a big notch in efficiency. W 26-SEER I S E R up to WARRANTY Have peace of mind with a 2-year parts warranty and a 6-year compressor warranty. INDOOR AIR QUALITY Air that’s clean and free of pollutants. Our electronic plasma filtration absorbs odors and collects dust, cigarette smoke and pollen. SIZE Our ductless minisplits are packed with features but are up to 39% smaller than prior models. Cool spaces without compromising aesthetics. EFFICIENCY Lower your monthly power bill! Fujitsu’s new systems are up to 11% more efficient than prior models. R410A Used in all our systems, this environmentally friendly refrigerant prevents the depletion of the ozone layer. Match your home with the most efficient system. T H E P O S S I B I L I T I E S A R E I N F I N I T E 145 E. Harmon Industrial Park Rd. Unit B • Tel: 649-0581 Fax: 649-0584 • www.johnstonesupply.com 14 Photos by Jacqueline Hernandez /Pacific Daily News/[email protected] Luxury living THE LAGUNA OFFERS EXTRAVAGANCE WITH AN OCEAN VIEW A h, to live in the lap of luxury. Just because this is a tropical island surrounded by warm, clear waters, doesn’t mean everyone gets to bask in its sunshine while surrounded by extravagance. The Pago Bay Resort, The Laguna, readily offers a lush living experience that capitalizes on the serenity and beauty of living on Guam. “It’s a gated subdivision so we have 24hour security,” says Stacie Gensic, the luxury community’s administrative assistant. “We’re trying to be an energy-efficient community so we have solar panels at all the common areas, we have 2,500 feet of beach, (and) three fresh water lakes.” Although the community doesn’t have homes built on it yet, it is ready for construction to begin. With utilities like water, sewer, gas lines, electricity and phone lines already installed underground, builders simply have to start building, Gensic says. Above: A billboard displaying images of The Laguna at Pago Bay Resort photographed on July 9. Below: The Laguna at Pago Bay Resort development near Yo n a . Green living The Laguna prides itself on being concerned with Guam’s delicate and stressed environment by focusing on promoting green living in a luxurious way. With 48 acres of Guam’s land to build on, “22 acres are dedicated to common areas,” says Gensic. The Laguna’s common areas “are pretty much park land,” says Angela Park, the community’s director. The community’s private beachfront advertises the beauty of Guam, and prevents it from fading away with erosion barriers. With gabion fencing in place, as well as dozens of vetiver plants growing, the sand of The Laguna’s beaches will stay put for years to come. Residents will also be able to recycle regularly with their own recycling bin and trash bin. “Everybody kind of wants to save the world,” says Gensic of the community’s en- Above: The private beach area of the gated luxur y comm u n i t y, T h e L a g u n a a t P a g o B a y R e s o r t , p h o t o g r a p h e d o n July 9. Ocean views: The Laguna at Pago Bay R e s o r t ’s b e a c h f r o n t i s r e a d y f o r h o m e construction on July 9. 15 vironmental approach. “So, I do think people would be attracted to (this) feature. I think it’s in the common areas (where) it may influence people to perhaps be more aware of their homes.” Gensic may have a point. According to Park, future Laguna residents who have already purchased lots have talked about putting in solar panels when they begin construction on their homes. “We encourage people to get creative and to be more energy efficient in the way they build,” Gensic says. Exclusive With approximately 50 percent of the lots sold since it opened to buyers in October, the community has garnered an elite audience. “So far we have a great mix of people, judging by the existing buyers,” Gensic says. “A lot of them are business owners on Guam, and a few (of them) are off-island investors.” As for what else could be garnering its popularity, Gensic feels the seclusion is certainly an alluring attribute. “I think people are kind of looking for something different — ready for a change,” she says. “People will be looking for something away from it all with the military buildup. (The Laguna) is exclusive … a different lifestyle.” That exclusivity comes with great views no matter where your house is located. “The whole community is terraced,” Park says. If residents would prefer a little more privacy than the community’s private beach, they are more than welcome to build a pool in their backyard, says Gensic. According to Gensic, many of the buyers have already discussed this option in their building plans — and with each lot measuring approximately one quarter of an acre, there’s plenty of room to build. Buyer benefits Above: The view of Pago Bay from The Laguna at Pago Bay Resort photographed on July 9. Left: Signs welcome potential buyers into the luxur y community of The Laguna at Pago Bay Res o r t , n e a r Yo n a o n J u l y 9 . Residents will be able to take in a view of the beach, lake, or a panoramic, Gensic says. If a buyer desires an ocean view all the time, exclusive beachfront property is also available. The Laguna’s beachfront properties are “the more premier lots,” says Gensic. “Because (residents) can walk out their door and the beach is right there. … It’s something you dream about when you’re a kid.” Although The Laguna doesn’t offer amenities like a gym or public pool, the community makes up for that with its three man-made lakes. Surrounded by the lush greenery of the common area, two of the lakes will be stocked with fish for residents to cast away at. The third lake simply serves to enhance the beauty of the community. The price of a lot at The Laguna depends on where it is located within the community and can range anywhere from $250,000 to $750,000. The more expensive lots have beach views, says Gensic. “There’s 29 lots that are on that one side of the project that have great views of the beach,” she says. Once buyers purchase their prized piece of property, they carefully “work with the architect of their choice,” to begin constructing their dream home, Gensic says. Combined with the exclusive seclusion of the community and the breathtaking views, The Laguna offers a luxury residents of Guam have never seen before. “Just having so much of the land dedicated to the common areas it just makes it more relaxing like on a vacation,” Gensic says. “You wake up and there’s ocean outside your window every morning.” Imagine: A billboard is seen at the entrance of The Laguna at Pago Bay Resort photographed on July 9. Guam Home Finder [email protected] By Janice Miller Real Estate Listings RENTALS RENTALS HOMES HOMES Agat 10-2529 $650 2BR/1BA: Four plex Apt. w/ocean view & Merizo House, next to Church. breezy –take a walk to the Quiet, Walk to Ocean, Pier, beach! Liz Duenas 687-0911 Big Yard 2bd/1ba $1100 RENTALS RENTALS CONDOS & TOWNHOMES CONDOS & TOWNHOMES Agana Oceanview Condo Mangilao 09-3077 $1,500 MongMong-Toto-Maite 3bd, 3Br/2.5BA: Two story town 2bth $1,900.00 688-1997 home w/all the creature comforts! Liz Duenas 688-0118 EW PB Apusento Gardens 10-2081 Barrigada 115 Sgt. Pedro Leon Guerrero Street Single Family Ordot-Chn. Pago 4bd, 2bth $2,450.00 482-2100 10-1586 $2,900 5BR/3.5BA: Beautiful spacious home Dededo 10-1092 $1,700 3BR/2BA: Nice & well kept w/swimming pool! Talofofo 10-2542 $2,200 Family 3bd,2bth $1,900.00 482-2100 Dededo (2 units available) $1900 ea. 3BR/2BA ea.: Brand new Home – nicely fenced & ready for YOU to 2BR/1BA: Ranch style home Close to AAFB! For $1700/Mo Mangilao Nice 2bd/2ba YOU to move in… Townhome $1000 Liz Duenas 687-0911 647-0888 EW PB Barrigada Townhome Perez Acres Townhome Yigo Nr. Airport 3bd/2.5ba $1200 Condo 3bd, 1.5 bth $1,900.00 647-0888 EW PB 483-7042 Blue Lagoon Condo Tumon PIA Marine Condo Lane 2bd, 2bth $3,400.00 488-7371 Tamuning Condo 2bd, 2bth – must see! Liz Duenas 687-0911 $1,900.00 727-4728 Tamuning 10-228 $5K 5BR/4BA: Executive Home in Blue Pacific Lattice Drive an Executive neighborhood! Tumon Condo 1bd,1bth Sinajana 2bd/2ba Townhome Liz Duenas 687-0911 $2,200.00 688-1997 $850 647-0888 EW PB move in! Liz Duenas 687-0911 Dededo 3bd/2ba home $1,200 3BR/2BA: Upgraded unit, nicely done and ready for Liz Duenas 687-0911 home. Liz Duenas 687-0911 Dededo 120 Liderato Single Tamuning Close to Sheraton Dededo Las Palmas Large Tamuning 10-2557 $850 3bd/2ba House Fenced $2200 3bd/2.5ba Twnhme. Sec. Pool. 2BR/1BA: Close to everything! Tennis Ct. $1500 Liz Duenas 687-0911 647-0888 EW PB 688-0118 EW PB Gina Campos: 479-8885 / 687-8885 Dededo 4bd/2.5ba home with a pool 1.5acre fenced Lot. Mangilao 09-3096 $1,950 Tamuning 10-801 $1,200 Yigo 09-3834 $1,700 3BR/2BA: Section 8 accepted w/full Flora Pago Condo Ordot- 3BR/2BA: 1st flr. unit in an Sec. Dep. Liz Duenas Chalan Pago 3bd, 2.5 bth excellent location. Liz Duenas 687-0911 $1,918.00 688-1973 687-0911 Yigo 3bd/2ba House w/huge Green Park Condo Drive Tamuning Ypao Rd yard Section 8 ok $1250 Mangilao Condo 3bd, 2bth Close to Hilton Condo. 647-0888 EW PB $2,200.00 482-2100 Pool. 3bd/2ba $1500 $3500/Mo. Gina Campos: 479-8885 / 687-8885 687-0911 688-0118 EW PB 3BR/2.5BA: Fully Furnished unit, two story town home. Yona 3 Route 4 Single Family Las Palmas PHI 10-1461 Liz Duenas 687-0911 5bd, 3.5bth $3,800.00 $1,900 3BR/2BA: Excellent 727-4728 unit ready to move in! Liz Duenas 687-0911 CONTINUED ON PAGE 22 * Where style & comfort come together • Custom Drapery • Blinds • Furniture DRAPERY • Area Rugs FABRIC • Chandelier % 20OFF Announcing the visit of Dr. Thomas A. Stewart ENT July 12 - October 8, 2010 Dr. Chan S. Hwang Physical Medicine & Rehabilitation July 20 - August 13, 2010 Orthopedic Surgeon starting August 26, 2010 Arch Pleaded Shade Silhouette w/Swag & Cascade Please call Pat at 646-8881 ext. 806 to schedule an appointment. Primary Care Provider referrals and prior authorization from Insurance Carrier required. Providing Quality Health Care for Guam for Over 50 Years. Drapery Strings Roman Shade Roller Shade Financing available • Located at East Hagatna, Marine Corps Dr. • Call for appointment Tel: 671-477-4481 • Email: [email protected] • Cell: 787-6626 Chen’s Furniture Fin est H an dcrafted Rosew ood - Sin ce 1978 000 Sq.Ft.of BLOWOUT SALE! Qu7,al ity Rosewood Guam SDA Medical, Dental, and Eye Clinic 388 Ypao Road, Tamuning MEDICAL: 646-8881/Fax: 646-1292 DENTAL: 648-2506/Fax: 648-2556 EYE: 647-0235/Fax: 647-0241 WELLNESS CENTER: 647-7520/Fax: 647-7500 EXECUTIVE HOUSE FOR RENT B en efits ofRosewood •Very D u rable •B eau tifu lG rain s •Lon g Lastin g •In creasin gly Rare Rosewood China Cabinet 3 Door / 4 Door Rosewood Living Room Set w/ m.o.p. Rosewood Secretary Desk Dining Set Rosewood 6 Chairs 66in. / 8 Chairs 96in. Queen Bedroom Set • 2 Nightstands • Dresser • Mirror • Chest Drawer • Headboard & Footboard w Frame Rosewood Bedroom Set AND MANY MORE ITEMS! LOCATED MARINE CORPS. DR., EAST AGANA TEL: 477-1168 100% HARDWOOD PRODUCTION • NATURAL LAQUER FINISH ON Beautifully Landscaped. Must See! Executive home in an executive neighborhood. Flag lot 5 bed/4 bath with 1 bed/2 baths on first floor. Porcelain tiles, marble kitchen and bathroom counter tops, designer hardwood kitchen cabinets, 2 carports, 2 huge balconies with ocean views, a spiral staircase to a 3rd floor deck with panoramic ocean, mountain, and harbor views, split a/cs and typhoon shutters, and a gated concrete fence. Spectacular 180o harbor and oceanview. $4,500.00 MONTHLY Great for room/ship mates!!! MLS 10-422 FOR MORE INFORMATION CALL WALLY AT Tel: 649-2267•888-7447•888-8265 20 Understanding VA loan basics Submitted by Calvin Hernandez Officer/Residential Loan Center Manager, Bank of Hawaii Another advantage is that the VA-guarann a PDN article “Salute: Pay homage ty does not require private mortgage insurto those who died serving in our naance, which can save the buyer money. In adtion’s military,” dated May 31, 2010, dition, large amounts of cash are not needed it states that “Our island has one of upfront and at closing. It’s a win-win situathe highest per capita rates of service in the tion for all the parties involved, including the armed forces and, consequently, one of the home buyer, bank, real estate agent highest wartime casualty rates, per and seller. capita.” On top of that, there has There are certain requirements been a lot of buzz about the imfor the veteran applying for a VA pending military buildup that is loan. One important condition is expected to impact the Guam that the veteran must occupy or ineconomy. tend to occupy the property within With our strong military coma reasonable time after closing. munity, I thought it would be apYou cannot buy an investment propriate that I write a short artihome or a vacation home with a cle on VA-Guaranteed Home VA-Guaranty. The veteran must Loan. have the income to meet the mortIn 1944, President Franklin D. gage payments and any other cost of Roosevelt signed into law what Calvin Hernandez owing a home. There must also be a is generally called the GI Bill. good payment / credit record. Finally, the VA The GI Bill provided veterans with a fedmust determine eligibility. erally guaranteed home with low to no down payment. I How does the VA-Guaranty work? With a conventional mortgage loan, the lender may require a buyer to put a down payment anywhere from 10 percent to 20 percent of the purchase price. A $200,000 home would require a down payment ranging anywhere from $20,000 to $40,000. While it may be difficult to accumulate a large down payment, it is required by most lenders in order to protect them if the buyer fails to repay the loan. With a VA-Guaranteed home loan, the lender still grants the loan, but the loan is guaranteed by the VA. The VA-Guaranty replaces the need for a down payment and because a percentage of the loan will be backed by the federal government, banks are more comfortable in providing loans to “eligible” veterans who have the income and credit to qualify for a specific loan amount. Other advantages of a VA loans are that buyers are informed of the reasonable value of the home through a VA-approved appraiser. Who is eligible for VA home loans? You may be eligible, if you are a current active duty or served under active duty and were discharged with conditions other than dishonorable. You may be eligible if you are an unmarried surviving spouse of a veteran who died during service or of service-connected causes. You may also be eligible if you are a member of the Reserves or National Guard. The length of service required may vary based on war or peace time service. Your VAapproved lender may be able to help you confirm your eligibility by obtaining the Certificate of Eligibility online. If for any reason you feel you may be eligible to participate in the VA home loan program, you can visit any VAapproved lender, who will help you determine if you are eligible by applying for a certificate of eligibility. What can a VA loan be used for? VA loans may be used to purchase a home, townhouse or condominium. VA loans may be used to build a home on land you currently own. You may also use a VA a loan to refinance or pull out equity from your home. Each lender is different, so please talk to your lender to find out what programs they can offer. How do I apply for a VA loan? Step 1. Apply for the Certificate of Eligibility (COE). This step can be done by the veteran directly with the VA. VA lenders have online access to the VA Automated Certificate of Eligibility system and the bank loan officer can order the COE online for the veteran. Step 2. Visit your lender and pre-qualify for a loan. Pre-qualifying will provide a ballpark price range for the home that the veteran can afford with their current income and debt ratios. Note Step 1 and 2 can actually be done at the same time when you visit your lender. Step 3: Work with a licensed Realtor to find a home and negotiate a contract to purchase that home. Step 4: Once the contract is complete, submit a formal loan application with your lender. Incorporated with this step is ordering the appraisal for the home. Step 5: Closing the loan and moving into your new home. Please be aware that even with zero down, there will still be closing costs associated with a VA loan, such as the VA funding fee and lender’s origination cost. Your lender will be able to give you a detailed good faith estimate prior to proceeding with the loan so that you are aware of all costs associated before proceeding. For more detailed information about VA loans, please visit a loan officer with your bank, who will be glad to help you understand the VA program and process. You may also obtain more information on the following Web link: www.homeloans.va.gov Number 1 Choice QUIET COMFORT & ENERGY EFFICIENT Start saving with GREE AC 13 SEER, 16 SEER and 21 SEER 21 SEER DC INVERTER R410A Freon $1199 $1299 $1499 $1699 9,000BTU – 23 SEER – 110V 12,000BTU – 21 SEER –110V 18,000BTU – 21 SEER – 220V 24,000BTU – 20 SEER – 220V Free Basic Installation Marine Corps Drive At Former Sears Location Your Appliance Professional Bambini Montessori School 0-10 Years of Age (671) 649-2636 227 Tumon Heights Rd. Tamuning, Guam 96913 Open 7am to 6pm Monday-Friday • Model Day Care distinction since 2005 • Amazing student teacher ratios focusing on individualized teaching • Lowest Montessori Rates on island • Enthralling Montessori and Early Childhood Education to stimulate the child’s mind • Block Grant applicants welcome RENTALS RENTALS RENTALS RENTALS CONDOS & TOWNHOMES CONDOS & TOWNHOMES COMMERCIAL COMMERCIAL Tumon 10-2567 $5K Woodland Townhomes Street 3BR/2.5BA: Executive Beach Dededo Condo 2bd, 2 bth front condo-right in the heart of $2,205.00 482-2100 Tumon (2 units available) RENTALS COMMERCIAL Upper Tumon commercial lot Hagatna 1800sf of space. Overlooking Tumon Bay For $1500/Mo Gina Campos: 23,814.00sm. Only $20,000/Mo 479-8885 / 687-8885 Tumon Bay! Liz Duenas 687-0911 Great commercial space in Gina Campos: 479-8885 / 687-8885 Hagatna 10-1565 $3,535 7,070sm: Land for lease – $2,200ea. 2BR/1BA ea: Great maximum exposure! Delightful & snazzy, walking Liz Duenas 687-0911 FOR SALE HOMES distance to Guam’s sandy Agat 09-4044 $850 800sf of beaches. Liz Duenas 687-0911 commercial space fronting Rt. Hagatna 10-848 $3,250 2, can be used for office/Retail 6,000sq. ft. warehouse space Agat 10-341 $320K 8BR/4BA: storage. Liz Duenas 687-0911 w/loading dock, fenced, and Great investment opportunity! gated w/security. Liz Duenas 4 Plex for Sale-2BR/1BA ea. 687-0911 Liz Duenas 687-0911 Tumon (3 units Available) $6K 4BR/3.5BA: Executive Condo, ocean views, Jacuzzi & your own Sauna! Liz Duenas 687-0911 Agat (2 units available) $1,200 ea. 2BR/1BA ea.: Located above Subway Bldg. can be Hagatna warehouse space Agat 107A East Santa Ana Tumon Oceanview Condo used as an office space. w/loading dock and fence. Drive Single Family 4bd, 3bth Nice 3bd/2ba $2200 Liz Duenas 687-0911 For $3900/Mo Gina Campos: $295,000.00 479-8885 / 687-8885 688-1997 647-0888 EW PB FOR SALE FOR SALE FOR SALE FOR SALE HOMES HOMES HOMES CONDOS & TOWNHOMES Barrigada 10-839 $195K 3BR/2BA: You asked for a home in a central location-here it is.. Wonderful starter home! Piti 10-2393 $210K 4BR/2BA: Centrally located home, great for first time home buyer… Liz Duenas 687-0911 Yigo 10-669 $448K Brand new 4bd/2.5ba condo In 4BR/2.5BA: Beautiful new Tamuning for Sale. $392,000 Home! Must see! Liz Duenas Gina Campos: 479-8885 / 687-0911 687-8885 Liz Duenas 687-0911 Santa Rita 10-109 $299,900.00 Barrigada Heights 10-1771 $415K 4BR/2BA: Opportunity Knocking.. Buy the home you Deserve! 3BR/3BA: Wonderful mountain Yigo 145 Sali Street Single views, private home tucked up Family 3bd, 2.5bth in the hillside. Liz Duenas $325,000.00 777-3728 687-0911 home Brand new! For $355,000 Gina Campos: Santa Rita 10-1457 $280K Single Family 3bd, 2bth $128,000.00 688-1997 the roof top deck-Great Potential! Liz Duenas 687-0911 Sinajana 3bd/2.5ba House $275,000 647-0888 EW PB 2 sty. home in Maite $548,000 Gina Campos: 479-8885 / 687-8885 granite counter top, outdoor kitchen-You’ll love this home! Yigo 6 Chalan Lajuna Single 688-1997 Dededo $225K ea. ea. Unit, fenced, 1 unit tenant Perez Acres 09-813 $245K Subdivision-tenant occupying, Yigo Ababang Loop Single 2BR/1BA: Rare find-ranch style Family 4bd, 2bth $170,000.00 brick home! Liz Duenas 687-0911 482-5269 Talofofo Cruz Heights Single Yigo, Brand new 3bd/2ba Family 3bd, 3bth $279,888.00 Home mins. to AAFB. w/lots of amenities. 777-3728 $225,000 Gina Campos: Liz Duenas 687-0911 lease ends July 15, 2011 Liz Duenas 687-0911 Perez Acres 10-146 $195K 3BR/1BA: Gated Community 479-8885 / 687-8885 Family 3bd,3bth $284,888.00 777-3728 Perez Acres, Nice 3bd/2bath Yigo East Gayinero 3bd, 2bth Unit for Sale. Only $205,000 $328,000.00 482-2100 Gina Campos: 479-8885 / 687-8885 Tamuning 09-1359 $725K 5BR/4BA: Executive Dream 3 Brand New Homes-3BR/2BA 479-8885 / 687-8885 3BR/1.5BA: Quiet & Gated 4bd,2bth $115,000.00 777-3728 Tumon Bay. 4bd/3.5ba Family 3bd, 2bth $128,000.00 Talofofo Cruz Heights Single Fern Terrace Single Family Luxury Condo overlooking Talofofo 10-2540 $295K Liz Duenas 687-0911 Dededo 128 Galayan Drive &BBQ area, to be sold in For $860,000 Gina Campos: Dededo 10-2508 $285K 3BR/2BA: Beautiful finished neighborhood, swimming pool “As Is”. Liz Duenas 687-0911 4BR/3BA: Wonderful view from 479-8885 / 687-8885 Brand new 4bd/3ba 2BR/1.5BA: Great Yigo 46 Chalan Lajuna Liz Duenas 687-0911 Beautiful Barrigada 4bd/3ba Flora Pago 09-3543 $152K Home in an Executive Yigo Takano Subdivision Single Family 3bd, 2.5bth, neighborhood. 1510 sq. ft. $259,999.00 Liz Duenas 687-0911 898-5472 Royal Gardens Townhouse Tamuning 4bd, 3.5 bth $360,000.00 688-1913 occupied. Call for details! Liz Duenas 687-0911 Mangilao 09-4071 $269K 4BR/3BA: Nice & friendly Yigo 09-1294 $145K Yona 09-3880 $169K 4BR/2BA: Cash Buyers 3BR/2BA: Buy NOW before wanted-Reduced to SELL! prices go up! Corner lot home! Investor’s delight! 3BR/2BA ea. Liz Duenas 687-0911 Liz Duenas 687-0911 Liz Duenas 687-0911 Yigo 1 Lot 5-1 Tract 10410 Yona Laguina Estates Binadu Tamuning 10-1668 $300K 2 units for the Price of ONE! neighborhood. Liz Duenas 687-0911 Single Family 4bd, 3bth $335,000.00 727-4728 Street 3bd, 3bth $319,000.00 482-5269 CONTINUED ON PAGE 24 * FOR SALE CONDOS & TOWNHOMES FOR SALE FOR SALE LAND LAND FOR SALE CONDOS & TOWNHOMES Tamuning Condo Carlos Barrigada 10-1557 Land For Merizo 1/2 Acre Land Talofofo Padua Lane Land Heights 3bd, 2.5 bth Sale $1,298,200.00 788-5044 $35,000.Only $2,500 down. $67,500.00 $349.25. Owner Financing. 727-4728 $220,000.00 688-1913 Barrigdada, 1341.85sm lot 688-0118 O/A EW PB Tumon 10-105 $860K Ready for you to build. Tamuning 10-737 $425K 4BR/3.5BA: Luxury condo $67,000 Gina Campos: Merizo Route 4 Land 1,320sm: Build your dream overlooking Tumon Bay 479-8885 / 687-8885 $23,000.00 777-3728 home in this executive w/breathtaking ocean views! neighborhood.. Liz Duenas 687-0911 Barrigada, 3,148.30sm lot, R2 MTM 09-1675 $185K 1,262sm: Liz Duenas 687-0911 Zone and paved. Only R2 zone perfect for 8 plex Apt. Tumon, 4bd/2.5ba Condo with $295,000 Gina Campos: Bldg., Build NOW! Yigo 09-2008 $599K ocean view for sale. $490,000 479-8885 / 687-8885 Liz Duenas 687-0911 Commercial property for SALE- Gina Campos: 479-8885 / 687-8885 3 Buildings sit on this property. Barrigada Heights Price Piti Mama Sandy Street Land Ranges $126K - $210K 6 lots $160,000.00 688-1997 Liz Duenas 687-0911 Well kept Summer Palace available Sq. meters vary Yigo 10-994 $55K 941sm: home 4bd/2.5ba in Dededo. 471 – 766 – Call for more Info! Santa Rita 10-2253 $115K Semi-Concrete house on this $450,000 Gina Campos: Liz Duenas 687-0911 2,278sm: Build your dream lot! Liz Duenas 687-0911 479-8885 / 687-8885 home on this hillside setting! Barrigada Land with Liz Duenas 687-0911 Yigo (2 Lots Available) $55K Ypao Gardens 10-1099 $125K 36,646.00sm Great ea. 929sm: Quiet & private 2BR/2BA: 1st flr. unit, close to development opportunity! Santa Rita Bishop Flores neighborhood, close to AAFB pleasure island – tenant For $920,000 Gina Campos: Street Land $75,000.00 back gate. occupying! Liz Duenas 479-8885 / 687-8885 787-1103 Liz Duenas 687-0911 Dededo West Cueto Street Talofofo 09-3012 $55K 929sm: FOR SALE Land $79,600.00 787-1103 Gold course neighborhood.. COMMERCIAL 687-0911 Agat 10-1487 $711,050 FOR SALE LAND 14,221sm: Close to the Agat Liz Duenas 687-0911 Inarajan 09-3042 $55K 1,798sm: Panoramic views, Talofofo 10-2228 $99K Peaceful & Serene! 2 lots 2,137.73sm: Two for the price available.. Liz Duenas of ONE! Overlooking Talofofo 687-0911 bay.. Liz Duenas 687-0911 small Boat Harbor. Liz Duenas 687-0911 Inarajan 10-1551 Land For Talofofo Padua Lane Land Sale $900,000.00 788-5044 $62,500.00 727-4728 Inarajan Lot 57 Bilembines Road $110,000.00 727-4728 Agat 10-2385 Land For Sale $595,000.00 788-5044 Mangilao 10-1804 $85K 2,340sm: Invest in this lot-quiet Agat 10-2386 Land For Sale retreat w/an ocean view! $165,000.00 Liz Duenas 687-0911 788-5044 Hotel Commercial $5,000,000.00 488-7371 Tamuning Commercial East Agat 10-1555 Land For Sale $4,500,000.00 788-5044 Agat Route 2 Inn on The Bay Harmon Industrial Park Rd $1,200,000.00 777-3728 As Low As $ 1995wk As Low As $ 2295wk NO CREDIT CHECKS! NO REPAIR BILLS! NO LONG TERM OBLIGATIONS! For every room in your home … As Low As $ 2195wk “Making homes warm and families happy.” This is a rental-purchase agreement and no ownership rights are acquired until total amount is paid or early buyout option is exercised. AGANA Marine Corps Dr. DEDEDO Calvo’s Center Reserved Parking in Rear Behind Johndel’s Supermarket SAIPAN Middle Road Next to Subway 477-RENT 637-RENT 234-RENT Do you need to sell your house, condo or lot? Are you desperately running short on time? Give us a call, we are actively looking to buy. Quick closing possible. Are you in a position to build your home? If you own your own land and need help locating a contractor give us a call and I can help you find one to build that dream home of yours. Listen commercial and industrial landowners. Do you need a contractor to build your apartment or commercial building? We can help you find a contractor to quote your project. Unheard of special! 649-HOME Visit us at our location in Tamuning 123 E. Espiritu St. GPO CHALAN SAN ANTONIO 3 br/2ba 1 carport, approx 929+/- s.f. of living area, 192+/s.f. carport, 60 +/- s.f. porch for $85,000.00. (Restrictions apply.) I can find a contractor to do this for you! You must own your own land and secure your own financing. GREAT NATIONAL INSURANCE ESPIRITU ST. X KFC ITC Email: [email protected] • Fax: 647-6770 Disclosure: Information is deemed to be reliable but is not guaranteed. Subject to change or withdrawal without notice. Broker makes no guarantees or warranties to such and shall not be responsible for any typographical errors, misinformation, or misprints. Restrictions apply. Broker is not a contractor. All rights reserved. 4 D ULTRASOUND – NOW AVAILABLE Accepting New Patients for Prenatal Care & Delivery “OUR CLINIC IS COMMITTED TO PROVIDING COMPASSIONATE PATIENT CARE IN THE FIELD OF OBSTETRICS & GYNECOLOGY. WE TAKE PRIDE IN PROVIDING PERSONAL ATTENTION AND HIGH QUALITY HEALTH CARE FOR WOMEN.” PH: 648-BABY (2229) www.ShiehClinic.com