{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"The Right Side with Gina Crabtree","title":"10-16-26 Conversations with Gina Crabtree & Reina Miyamoto","html":"","width":"100%","height":180,"duration":2592,"description":"Buying Your First Home in Hawaii: Down Payment Assistance, Homebuyer Programs & Building Generational Wealth\nIs buying a home in Hawaii really out of reach? Do first-time homebuyers need 20% down? And what programs are available to help Hawaii residents afford their first home?\n\nOn this episode of The Right Side with Gina Crabtree, Gina welcomes Reina Miyamoto, Executive Director of the Hawaii HomeOwnership Center (HHOC), for an informative conversation about navigating Hawaii's housing market, overcoming financial barriers, and turning the dream of homeownership into reality.\n\nWith more than 20 years of experience at HHOC, Reina explains how the nonprofit organization helps Hawaii residents prepare for homeownership through education, personalized coaching, financial planning, and access to first-time homebuyer resources.\n\nIn this episode:\nFirst-Time Homebuyer Myths: Do You Really Need 20% Down?\nReina explains why a 20% down payment isn't always necessary and how some buyers may qualify for mortgages with significantly smaller down payments.\n\nThe conversation also explores closing costs, private mortgage insurance (PMI), and why some loan programs offer reduced down payment requirements or alternatives to traditional mortgage insurance.\n\nHawaii Down Payment Assistance: Programs That Could Help\nLearn about homebuyer assistance programs available through banks, credit unions, and local government agencies.\n\nReina discusses the City and County of Honolulu's down payment assistance loan program, including a potential $40,000 interest-free loan and opportunities for partial principal forgiveness when program requirements are met.\n\nGina and Reina examine why understanding eligibility requirements, income limits, repayment terms, and program restrictions is essential before choosing a financing option.\n\nHow the Hawaii HomeOwnership Center Helps First-Time Buyers\nHHOC provides homebuyer education, one-on-one coaching, financial planning resources, and ongoing support...","thumbnail_url":"https://img.transistorcdn.com/L1fUKybDsHXnPxPMPL77NDiUntg6H4m4UzId2KtiJqE/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9hNzc0/ZDZlNDRmNjc3ZTc5/MjFiNmY2OGNkNWE3/N2E1YS5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}