Realtor-Associate
Lic#: RS-52400
Email: yvette.muta@locationshawaii.com
98-151 Kaonohi Street,
Aiea, Hawaii 96701
Yvette Muta
Real Estate has always been an integral part of Yvette’s life. You could say her path to Real Estate was pre-destined during her early years. At a young age, Yvette’s mother, who is also a Realtor, would take her along to on client visitations, previewing properties and open houses. This early exposure set the foundations for Yvette’s interest in Interior Design and where she began to understand the importance of investing in Real Estate. Her family made the decision to begin investing in real estate early on. The equity that grew from these real estate investments provided Yvette with the opportunity to pursue her college education and has given her family many other benefits that may not have otherwise been available.
Yvette is client focused, reachable and committed! She takes pride in making sure that her clients know that they will have her full attention and enthusiasm. As a full-time real estate professional, Yvette understand how overwhelming the homeownership process can be and the importance of building trust by fostering open communication and being consistent with timely responses.
With 20+ years in the local Interior Design industry, Yvette is able to offer clients a unique skill set that brings a heightened sensitivity to the qualities and unique detailing that can add increased value to a property. Her clients appreciate this attention to detail and ability to evaluating the potential that a property may have to address their future real estate needs and goals.
Yvette has a passion for travel, music and the arts, all of which have always been a part of her life story. She’s had the great fortune to visit many exotic locations and experience their unique landscapes and cultures. But with as many places and awesome sights as Yvette has seen, there is no other place like Hawaii. She also has an immense love of all animals and spends much of her free time with her four-legged “fur-kids”. She enjoys attending local live-music events or putting together a menu to share with a gathering of friends and family.
Expertise:
Buyers Agent
First Time Homebuyers
1031 Exchanges
Formally trained Interior Designer
Resources to Get You Started >>
- Program Eligibility
- Loan Limits
- Funding Fee
- Closing Costs
- Free VA Loan Guide
- VA Refinancing
- Military Pay Calculator
- BAH Charts
- Home Search
To utilize the VA home loan program, you’ll need to first establish eligibility, or prove that you have earned the benefit. To do so, you’ll need to obtain your Certificate of Eligibility, or COE. Aligned Mortgage can help you get your COE during the preapproval process. In the meantime, below is some detailed information on who generally qualifies for the program.
If you served in the Army, Navy, Air Force, Marine Corps or Coast Guard, you are eligible if you meet the minimum service days detailed below.
Other individuals who may qualify are those discharged for a service-connected disabilty, the un-remarried spouse of a veteran who died in service or from a service-connected disability or the spouse of a Prisoner of War or someone Missing in Action.
With VA loans, the amount you can borrow without having to put a down payment on your mortgage varies by location. Check out our charts below to verify the 2018 limits in your county.
Hawaii
The VA Funding Fee is generally paid by all home buyers using the VA Home Loan Guaranty and it goes directly to the VA to help sustain the program. Factors that impact your Funding Fee include branch of service, down payment amount, number of times used, and disability status.
VA Funding Fee Breakdown
Veterans and active military buyers receiving compensation for a service-connected disability and deemed more than 10% disabled by the VA are exempt from paying the Funding Fee.
Other Fees
Some lenders charge additional lender fees, assessed and collected by the lender during your loan process. Those fees can include application, origination, processing and underwriting charges. Aligned Mortgage does not charge those on VA home loans.
A down payment is not required on VA home loans, but the borrower does have to pay for closing costs. VA loan closing costs average 1-3% of the loan amount. Sometimes the buyer can receive seller or lender credits to cover closing costs. For instance, there is typically has a rate option that will allow the lender to cover your closing costs.
Rolling Closing Costs into Your Loan : An Example Scenario
You may have an option to pay points or fractions of a point to buy down your rate, pay zero points at a higher rate, or take a higher rate with rebate pricing that allows the lender to provide lender credits to cover closing costs. The below rate chart provides an example.
*Please note this is for example only and is not a current reflection of market rates.
Get our Free VA Mortgage Guide, your road map to getting VA loan financing for your dream home.
Please complete the form below to receive your VA Mortgage Guide.
Information Provided in the VA Mortgage Guide
- About VA Home Loans
- Benefits of VA Loans
- Eligibility
- Obtaining a Certificate of Eligibility
- VA Funding Fees
- VA Loan Closing Costs
- Myths Regarding VA Loans
- VA Loan Pre-Approval Checklist
- Step by Step Overview
2019 Military Pay Calculator
By using your rank, years of service, number of dependents, and location, this calculator expresses your Basic Pay, Basic Housing Allowance (BAH), and your Basic Allowance for Subsistence (BAS).
Location
BASIC
BAH
BAS
TOTAL
*This tool does not calculate COLA. Find your Hawaii Overseas COLA rate here.
Program Eligibility
To utilize the VA home loan program, you’ll need to first establish eligibility, or prove that you have earned the benefit. To do so, you’ll need to obtain your Certificate of Eligibility, or COE. Aligned Mortgage can help you get your COE during the pre-approval process. In the meantime, below is some detailed information on who generally qualifies for the program.
If you served in the Army, Navy, Air Force, Marine Corps or Coast Guard, you are eligible if you meet the minimum service days detailed below.
Other individuals who may qualify are those discharged for a service-connected disabilty, the un-remarried spouse of a veteran who died in service or from a service-connected disability or the spouse of a Prisoner of War or someone Missing in Action.
Loan Limit
With VA loans, the amount you can borrow without having to put a down payment on your mortgage varies by location. Check out our charts below to verify the 2018 limits in your county.
Hawaii
Funding Fees
The VA Funding Fee is generally paid by all home buyers using the VA Home Loan Guaranty and it goes directly to the VA to help sustain the program. Factors that impact your Funding Fee include branch of service, down payment amount, number of times used, and disability status.
VA Funding Fee Breakdown
Veterans and active military buyers receiving compensation for a service-connected disability and deemed more than 10% disabled by the VA are exempt from paying the Funding Fee.
Other Fees
Some lenders charge additional lender fees, assessed and collected by the lender during your loan process. Those fees can include application, origination, processing and underwriting charges. Aligned Mortgage does not charge those on VA home loans.
Closing Costs
A down payment is not required on VA home loans, but the borrower does have to pay for closing costs. VA loan closing costs average 1-3% of the loan amount. Sometimes the buyer can receive seller or lender credits to cover closing costs. For instance, there is typically has a rate option that will allow the lender to cover your closing costs.
Rolling Closing Costs into Your Loan : An Example Scenario
You may have an option to pay points or fractions of a point to buy down your rate, pay zero points at a higher rate, or take a higher rate with rebate pricing that allows the lender to provide lender credits to cover closing costs. The below rate chart provides an example.
*Please note this is for example only and is not a current reflection of market rates.
VA Loan Guide
Please complete the form below to receive your Free VA Mortgage Guide.
Information Provided in the VA Mortgage Guide
- About VA Home Loans
- Benefits of VA Loans
- Eligibility
- Obtaining a Certificate of Eligibility
- VA Funding Fees
- VA Loan Closing Costs
- Myths Regarding VA Loans
- VA Loan Pre-Approval Checklist
- Step by Step Overview
VA Refinancing
Military Pay Calculator
*This tool does not calculate COLA. Find your Hawaii Overseas COLA rate here.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
BAH Charts
BAH Chart – Hawaii 2019
Home Search
Stay Informed
Search Hawaii Property Listings
Home Market Report
Have Questions?
Being a first time home buyer, Yvette MUTA made the whole purchasing experience painless, was very attentive to my needs and wants, answered every question I had thoroughly and if she didn’t know the answer took the time to find the answer and was very professional in all of our interactions. Her vast knowledge, advice, calm demeanor and positive attitude made it a joy working with her. She is an asset to The Locations Company and they should be proud to have her.
Kenneth H.Yvette does an excellent job in all aspects. Knows the market and areas very well. Excellent communication skills and a pleasure to work with.
Linda C.Yvette goes above and beyond her job. She had our best interest in mind while looking and making offers. She was very helpful and patient in answering all of our questions. She is an excellent communicator and very punctual with paperwork and making offers. We will recommend her to everyone!
Erik & Aya A.Please visit our Disclosures page for more details for all loan types.
This advertisement does not constitute endorsement, recommendation, or favoring of either part included
