Testimonials

Dear Elizabeth,
Thank you so much for these past months of helping me complete a short sale on Maui.  It could not have been done without your experience and knowledge.  Your knowledge and expertise in loans, mortgages, real estate law and short sale laws in Hawaii and on the mainland made the sale  happen.  Thanks to you, I was not left in the dark , not knowing a thing about short sales, not knowing if I ‘qualified’ nor even where to begin. Not just any realtor could have begun nor completed this short sale-  nor any short sales, for that matter.  I am so fortunate to have had you represent me and so are the banks and buyer.  I  am certain the house would not have sold without you representing me.

I hope others will be able to find you in these hard times and realize it’s possible to make it and work with banks, negotiators, realtors, buyers, title companies…  I am forever thankful for all your diligence and integrity and patience.

Sincerely,
Morgan F.

My name is Melanie. When I responded to Elizabeth’s flyer in the mail it was one of about ten that I had called in the previous few weeks alone. We had been trying for two years to fix a bad refinance without any luck and I was desperate. Elizabeth came out to my home and after looking over our situation offered us several options that we could attempt to try.  It was a gut-wrenching blow for us to realize that after living in our home for 11 years and struggling so hard to keep it, that a short-sale would be in our best interests. All of my family thought that Elizabeth was only looking out for HER best interests and that her “options” were set up so that we would do what she wanted. In order to calm everyone down and to make sure that what we were doing was a sound choice, I called a company that only deals with people in our situation which my dad had found through a business partner. The man I spoke with (who stood nothing to gain from the conversation) offered up all of the same options that Elizabeth already had, saying also that he was pleased to hear that we had gotten past the denial stage and had been able to look logically at the situation.

Although we did list the house, Elizabeth knew that we would have preferred to stay and never stopped looking for a way for us to do so. We had refinanced more times than I care to count in an effort to keep the house throughout the years and those experiences gave me better than average knowledge of the process. Elizabeth I found, had the same knowledge by herself that I previously had needed to call several people to attain! She was constantly researching new types of loans and followed the “bailout” plans religiously. If ever I heard something that I wanted to look into - Elizabeth researched it for me, even going so far as to call tax attorneys and the IRS when I was concerned about that.  Elizabeth is a very down-to-earth person to work with. When I completely lost it emotionally about half way through the process and simply could not take any more…she had my back. I later found out that she had picked up the slack in order to allow me the time I needed to simply cope. Not a week went by that I did not hear from her unless I chose it.   If I needed to talk, she listened. If I had questions that I knew had no answers, she listened to those too and did her best to set me at ease and help me through the process.

In the end, our house sold quickly while others around us had been sitting for months or longer with no activity at all because of the impending presidential election. The experienced realty team that she works with kept the house priced aggressively but at an amount that the bank could stomach.  As soon as an appropriate amount of time had passed, the price was lowered in such a way that the banks were still ok with it. We were able to walkaway from all of the debt associated with the house without owing anything on either of our mortgages.

By helping us know when the right time to start looking for a rental was, Elizabeth maximized the money we were no longer paying to our mortgage and we were able to get current on the bills we had neglected while trying to save our house. Even still, we had nearly two months to look for a new place, and because we were not rushed, we were able to find a place that is exactly what we wanted (a 2100sf house on 6 acres) and now pay less in rent that we ever did on our mortgage.

We moved in to our last house three days after my son was born. Our children had never known what it was like to move or change schools and the idea of all of it was terrifying to say the least. Undoubtedly it was one of the most stressful times we have been through. Somehow though, everything worked out just right (just like Elizabeth kept telling me it would!) The simple freedom of not having to worry about all of it now is wonderful.    We chose what happened, not the banks! I never could have made it through without the amazing help of Elizabeth and her team.

Thank you so very much to them all!
Melanie N.

After moving into our new home, we stared at the stark white walls surrounding us. Obviously, the previous owners were short on creativity! We needed color…and lots of it! But..there again was where the amazing Elizabeth stepped up to the plate. She simply removed her “realtor hat” and donned her “master stager” hat and helped us create a space that was truly unique. Her suggestions for color, furnishings, and ability to design a room were top notch! I wouldn’t dare remodel a house without first consulting her on how the furniture should be arranged and how the finishing, decorative touches should be implemented. She will work within the parameters of not only your personal design aesthetics but also the culture and customs of the place in which you live to create something that you can truly call your own.

As new home buyers in the outrageously expensive Maui residential market, we didn’t think we would ever be able to navigate the murky waters. However, Elizabeth’s professional guidance and care were beacons in the storm. Not only did she walk us through every aspect of buying our first home here, she went above and beyond for us. After we had spent literally all our savings, etc just to pay for closing costs, she graciously provided her vacation rental unit for us to stay in while we were waiting for the house to close. We could not have done this without Elizabeth! Many realtors over the years have tried to solicit our business. They have failed. When we go to buy our next home, I don’t care if she is in Timbuktu, we wouldn’t use anyone else!

Scott and Allison C.

There are real estate agents/ brokers and there are Real Estate Agents/Brokers. But you won’t find a more diligent, trust worthy, intelligent, hardworking, knowledgeable and caring agent/broker than “ELIZABETH FOX” on Maui Hawaii. Buying a house on Maui from the mainland can be a scary situation. We had made offers through several other agencies but the agents didn’t seem to be really working in our best interests. I responded to a listing which was represented by Elizabeth, she asked to be our exclusive agent/broker, we said yes. We completed a loan application and then made offers on several places, which were declined by the sellers because our offers were to low (our choice). Now comes the best part, Elizabeth mentioned that a house might be listed soon that we may be interested in.  Well it came on the market, we liked the price, location, and the house and we made an offer, now mind you we were on the mainland. Elizabeth helped us make the right offer, our offer was accepted!, helped us get a great loan, insurance and an escrow/title Co.  Now, we had everything, but Elizabeth went one step further, on approval of our loan and in advance of our closing, because we would be on the mainland when we would close she presented us with a fantastic drawing of pair of whales, it was an emotional moment for all of us.

We had viewed the property in August and loved it, and then returned in September on vacation, the renters would occupy the property until we would move in, in April.  She provided property management assistance until we asked the renters to vacate.  She is not just an agent/broker but she has a heart and she cares personally about her clients. The whole process was done via phone calls and faxes and Elizabeth answered all of our questions and was extremely patient with us. We were able to do the closing on the mainland at the Fremont CA. branch office of the escrow Co. We still keep in touch, because she has become a very good friend of ours.

Joe and Kathleen S.