Real Estate in Hawaii

When you buy real estate in Hawaii, you are making an important decision that will affect your life. You are however, choosing a beautiful place to purchase your property. There are going to be laws and regulations concerned when you purchase property, regardless of the state, so make sure that you learn a bit about real estate law in Hawaii first. These subjects include disclosure of defects, home inspections, RESPA, and mortgages.

Disclosure of Defects

The first thing you need to know about real estate in Hawaii is that the seller must first fill you in on all the different defects that the property possesses. These may include: plumbing and sewage defects, any water leaks, insect infestations, roof defects, any problems with the heating or air conditioning, problems with property drainage, any defects in the foundation including cracks, any issues with the title, and any lead paint used in the home. It is state law that this information is provided to you; so make sure that they provide you with this information.

Home Inspections

Whether the subject is real estate in Hawaii or any other state, home inspections are very important. As a buyer, it is your responsibility to make sure that the home is inspected by a reliable third party. If you fail to have this done, the seller cannot be held responsible. A home inspection makes sure that everything in your home is in perfect shape such as: foundation, plumbing, electrical systems, doors, ceilings, walls, floors, roof, insulation and ventilation. For an extra fee you can have them check for termites and contaminants such as Radon. After any problems have been reported to you, it is up to you whether or not the home is still worth it.


The Real Estate Settlement Procedures Act, or RESPA, is a law that protects buyers by reporting unethical practices of mortgage companies. You can get information about certain lenders as a result. With this information you can make sure you find the perfect lender for your needs.


When you purchase real estate in Hawaii, you will be given a promissory note to sign. This note states that you will pay the money owed for the home. In Hawaii, you will sign a mortgage document that is a security interest in your home. Therefore, your home becomes collateral in the case that you are not able to make the payments on the loan.

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