Keep in mind that this is generally the goal of the buyer and seller as well...A lot of times, in the heat of negotiations, buyers and sellers will get stubborn and dig in their heels out of principal.

Thanks Leon just wanted to see the format have a good one I didn't understand if it was before or after , I really appreciate this website and the people I have spike with thanks again.

Need some well heeled retirees to invest and build communities.

That and a combination of the improved job market and the new fannie mae low money down program will cause a bit of a spike in pricing sometime in the next 2 or 3 years.

Meanwhile, i have buyers who want to close and have extended for a few weeks waiting for me to work out this problem.Meanwhile my lender is dragging his heels along with what appears to be fully confused on what to do.   

Everything was off and static, then suddenly the meter spiked.  

A younger lender may be more liberal with money as they probably have never seen hard times or interest rate spikes.

This leads to almost immediate spikes in fees and there is little recourse that owners have.  

With that said, the housing market in Hawaii was hit by the recession, prices did drop a bit, and there was a brief spike in foreclosures...

Considering how well-heeled they are and how much money is at play they'll probably pull it off.