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
jdmiller@guampdn.com
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: akmad@guampdn.com
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
santotomas@guampdn.com
By Jojo Santo Tomas
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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
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31
3Br/3Ba/3Carport w/1,000sm Lot
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For Sale By Owner Call: 888-6981
Barrigada Hts. 3br/2ba w/View,For
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34
BARR OFFICE/RETAIL SPACE
1,000 - 2,000 SQ.FT.
CALL ROMI 482-1818 C21R1
R.K. Tropical Plaza Ste. 104-105
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For Rent
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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,
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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
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688-3308 / 686-1822
For Rent
Residential
35
3Bd/2Ba Duplex NCS, Sec 8
welcomed! 637-4312/ 888-4630
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Hyundai, Santa Rita Large
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Barrigada Studio Including Power
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DEDEDO 3BD/1BA $1,100/mo
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Upgraded, 24 hr sec. $1250/ mo
649-7888/788-6788 LS PB
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36
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INCLUDES WATER & POWER
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888-3720
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Photos by Jacqueline Hernandez /Pacific Daily News/jhernande7@guampdn.com
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
jdmiller@guampdn.com
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 *
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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: donstevens@teleguam.net • 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
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Bambini Montessori
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(671) 649-2636
227 Tumon Heights Rd. Tamuning, Guam 96913
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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: premiere@teleguam.net • 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.
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