Gabe is a branch manager for the mortgage company HomeLoan Financial, www.Hawaiivaloans.com, which specializes in helping first-time homebuyers and veterans get VA loans.
Tell me a bit about your background and how long you’ve lived in Hawaii.
I was born and raised in Honolulu, but I left for a few years and returned 5 1/2 years ago.
What do you like most about living in Honolulu?
The central location. There’s minimal traffic compared to living in areas outside of Honolulu, referred to as ‘town.’ I have an easy commute, although traffic can be really bad for those who work in Honolulu and live on the west side of the island. WE have good access to stores and restaurants. Everything is in about a 5 to 10 mile radius in Honolulu. There are all kinds of groups of people of different nationalities in one location, which is great. Honolulu is the best location for lots of activities.
Can you elaborate on the different cultures?
There are people from different socioeconomic backgrounds. Honolulu has a melting pot of different cultures. Locals, along with whites, Chinese, Filipinos and Asians are all here. You experience this diversity in the restaurants, foods and activities.
What types of activities are there in Honolulu?
There are parks. There’s Alamaona Beach Park with its events. The Aloha Tower Market Place, which has a nice shopping area, ship cruises, and lots of events. There’s the Shell with its concert pavilion area. There are lots of concerts. There’s also Kapiolani Park with its soccer games, rugby matches, and joggers. This park is located in Waikiki on the slope of Diamond Head.
What do you like the least about Honolulu?
Traffic is bad. The city is very crowded, especially if you want to be somewhere that’s a little more laid back and relaxing. It’s also very expensive. You pay a premium to live in town. If you buy a house in Mililani, for example, that same house can cost 50 to 100 percent more in town. A new home in Mililani for $600,000 could cost $1million in town. The closer to the beach you are, you’ll find the pricier homes.
What about traffic?
My advice for newcomers would be to work in town and consider the traffic implications if you live outside of town. Double check the traffic to determine how far you live from how far you work.
Where do you like to go eat?
Honolulu has an eclectic mix of cultures. As a result, there are diverse foods, such as Thai, American, Asian, and Filipino. There are lots of different foods that can satisfy just about anyone.
What are some of your favorite restaurants?
One is called Ono. They have great Hawaiian food. It’s a hole in the wall, but serves authentic Hawaiian food. For a party of two, you pay about $15 to $20. There’s also LaBamba. It has great Mexican food. It’s BYOB, so you bring your own booze, beer, or wine and invite your friends. You can have a party there. My favorite meal is steak and tortillas, with Spanish rice, refried beans, lettuce and tomatoes. You make your own burrito. They also have the best guacamole. This is one of the best guacamoles I’ve ever had.
What types of sporting events do you attend?
I don’t attend a lot of sporting events. The University of Hawaii has football games. But I don’t attend a lot of other events.
Are taxes high?
Property taxes are lowest in the country, but you pay more in groceries, housing, and gas. While the property taxes are low, most other expenses cost more in Hawaii. Gas costs about $3.50 to $3.80 per gallon.
How are the schools?
WE have good public schools. Most of the private schools are in Honolulu. There are about 10 to 12 private high schools. For example, Punahou High School, where Obama attended. There’s also Iolani, which ranks high near Punahou. And there’s Kamehameha – a school for children with native Hawaiian blood. There’s also St. Louis, an all-boys Catholic school, where I attended. Most schools have a student/teacher ratio of 1/20 or 25. There is 1 teacher for every 20-25 students.
We’re also experiencing problems with the public schools. WE have Furlough Fridays, which means every other week teachers are furloughed in the public schools. There are no such problems in the private schools.
“Team Lally helped me with the shortsale of an underwater, upsidedown mortgage. I am so glad I found them. Thanks.”
“Team Lally is amazing!! What a great experience dealing with a stressful time in our family’s life! They were easy to talk to and knew everything we needed! I would recommend them to anyone looking to buy OR sell a home in Hawaii!”
“Team Lally are great. I have not had the chance to buy a house yet but I know that whenever we walk in the office we are considered not only a valued customer but as family. I am lucky to have them on my side.”
“Dealing with team Lally has been a great experience. All of the agents which I encountered were very knowledgeable and courteous. The office which they conducted their business was neat and tidy. The atmosphere was very conducive.”
“Team Lally is an excellent team! They know their stuff, they are true professionals, and they care about their clients needs before they care about making themselves that extra $$$$. They treat you like family even after the sale of you home!”
“Team Lally is awesome!! Without their help we would have never been able to sell our home as fast as we did. Everything went smoothly and better than expected.”
“Aloha! I have worked with Adrienne for several years. She is the hardest worker and the most knowledgeable realtor I know. And there is nobody better than Team Lally when it comes to Short Sales! That’s why I used her! Her Team sold my home! And they make it easy with their outstanding team! And their marketing is 2nd to none! I highly recommend Adrienne and Team Lally!!”
“Last year my wife and I came to Hawaii for a quick to buy a house for our impending move to the islands. Cherrie worked hard and helped us to get under contrsct and then close the deal. Hats off to the Lally Team”
“I purchased my home as a single woman nearly 10 years ago in what I call a “big girl moment”. I improved it over the years, and then decided to move home to the mainland to be closer to my family. I was referred to Team Lally, and much differently than other agents I was referred to, they called me immediately, providing a full scope of their services, which is impressive. I liked the fact that they had me meet them in their office, outside the potentially emotional environment of my home. This is business, after all! My home was first shown on June 10 and closed at a handsome price on August 30. Wow. These guys communicate regularly by phone, provide excellent service via email and while closing the sale I experienced the best possible service. Were I to contemplate moving back to Hawaii, Team Lally would be my first call!”
“To put it simply…Team Lally never gave up! The short sale of our home was dragging on for more than a year! With Team Lally it was completely over in 4 months. Thank you Team Lally.”