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The Pacific Luxe GroupOahu Seller Guide 2026
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Homes along the water in Hawaii Kai with Koko Head behind them
Oahu Seller Guide 2026

Aloha, and welcome

Sell your Oahu home with a clear plan

How we price it, get it ready and market it, plus what selling costs here and what you could walk away with.

PricingPrep and stagingCosts on OahuNet sheet estimatorMilitary PCS
Teondra Tee Mills
Teondra “Tee” MillsLuxury Hawaii Realtor · RS-81936(808) 646-2882 · teondra@pacificluxe.group
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Inside

Your guide

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Kaneohe Bay with the Ko’olau mountains
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How to read this guide

Swipe, tap the arrows or use your arrow keys to turn pages. Tap the grid button for every page at a glance.

Photo credits
TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 2 of 39
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A note from Tee

Thanks so much for reaching out!

I'm Tee, and I'm so happy you're thinking about your next move.

Selling a home in Hawaii has its own steps and costs. So I made this guide to walk you through it in plain words. You'll see how we price your home, how we get it ready and what you could walk away with.

Wherever you are right now, we go at your pace. Maybe you want to sell soon. Maybe you just want to know your options. Either way, I'll give you the facts so you can make the best choice for you and your family.

Talk soon,Tee

Teondra Tee Mills, Luxury Hawaii Realtor
Teondra “Tee” Mills · RS-81936
Luxury Hawaii RealtorFounder, The Pacific Luxe GroupPowered by Talk RealtyLicense RS-81936
“My job is to give you the facts so you can make the best choice for you and your family.”Tee
TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 3 of 39
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01What clients say

Real words from real clients

Swipe or tap the arrows to read more.

Zillow5.0★★★★★16 team reviewsZillow counts reviews for the whole team
Why buyer reviews?

Zillow does not show seller reviews for me yet. These buyers show how I work: clear, quick and honest. I bring that same care to sellers.

★★★★★Zillow
“She took the time to explain every part of the process, break each phase down into simple and easily digestible terms, and was always available to answer our questions no matter the time. … Once we found a home we loved, she was on top of every detail and piece of paperwork that needed to be completed.”
Chantal D.Bought a home in Ewa Beach · 6/21/2025
★★★★★Zillow
“T’s professionalism, intuition, and genuine care made all the difference in our home-buying journey. … She worked around my busy schedule, helped us on a tight timeline, simplified every complication, and got us into the right home with the right team.”
Brooks B.Bought a home in Aiea · 9/7/2025
★★★★★Zillow
“Once we did decide to move, she and her team did multiple virtual visits for us, including recordings and live streams as went through the house-hunting process. … Once we found the property that we wanted to purchase, she was an exceptional in helping us to negotiate and getting us to closing.”
Bradley C.Bought a home in Kapolei · 8/7/2025
★★★★★Zillow
“The most important characteristic that I loved about Teondra was that she was honest. … Overall I am 100 percent satisfied with my home and will be using her again in the future.”
jdjacaiBought a condo in Waikiki · 7/16/2024
★★★★★Zillow
“When we finally found a property that my wife and I were interested in she worked swiftly to put in a last minute offer in a matter of only a few hours. Ultimately, it is due to Teondra's dedicated efforts that I am in the house of my dreams today!”
Jason B.Bought a townhouse in Kapolei · 3/5/2024
★★★★★Zillow
“On top of that, tee took a full day of her time to interview all of the realtors in that area. It saved us SO much time and work … She found us an INCREDIBLE realtor, who we never would have found on our own.”
Lauren R.Military move referral · 3/22/2026
★★★★★Zillow
“Teondra was very knowledgeable and always willing to go above and beyond to help us. As a first time home buyer we had so many questions and concerns, Teondra guided is through the whole process and helped us secure our first home!”
Jaron Y.Bought a condo in Punchbowl · 6/24/2025
★★★★★Zillow
“She provided options that helped me attain an excellent deal. I am ecstatic with my home purchase.”
DemakaBought a townhouse in Kapolei · 4/1/2024
★★★★★Zillow
“She was extremely nice as well as responsive through the entire experience. We would recommend her to anyone looking to buy here!”
KBFoster9Buyer · 12/10/2023

5.0 rating on 16 reviews on Zillow (team reviews), checked Oct 30, 2026. Reviews are quoted word for word. Some are shortened, and … shows where. Names are shown as Zillow shows them, or as first name and last initial. Every move is different, and past results do not promise future results.

TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 4 of 39
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02Why sellers work with me

Why sellers work with me

My goal is simple: sell your home for top value, with as little stress as possible.

01
Pricing built on real sales

I study homes like yours that sold nearby, what is for sale now and how fast homes are selling. Then we pick a price together.

02
Marketing that looks luxe

Pro photos, video and drone shots, plus words that tell your home's story. Buyers on Oahu and on the mainland see it.

03
You always know what's next

I keep you posted at every step, from the first photo to closing day. You never have to wonder what's going on.

04
I negotiate for you

Price is only one part of an offer. I help you weigh the terms, the timing and the buyer's loan, so your sale holds together.

5.0Zillow16 team reviews123,000+Views a monthInstagram + Facebook
RS-81936Hawaii licenseBrokered by Talk Realty
“It's your home and your decision. My job is to give you the facts so you can make the best choice for you and your family.”Tee
Thinking about selling? Let's make a plan for your home.

Source: Zillow rating checked Oct 30, 2026. Views: Sept. 2026, Instagram Insights (includes Facebook). Past results do not promise future results.

TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 5 of 39
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03Your seller plan

Make your seller plan

Tap one answer for each question. Your plan shows up below, with the pages to read first.

0 of 4 answered
1When would you like to move?
2What matters most to you?
3How is your home today?
4Where are you headed next?
Your plan

Answer the questions to see your plan

    Your answers stay on this device. They only go to me if you text them.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 6 of 39
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    04Selling step by step

    Seven steps to sold

    Here is the big picture. I walk you through each step.

    1
    Strategy call

    We talk about your goals, your timing and your home.

    2
    Price your home

    I make you a CMA. CMA: a report that compares your home to similar homes that sold nearby. Then we pick a list price together.

    3
    Sign your listing papers

    Your listing agreement sets the price, the plan and the timeline. My pay is always something we talk about up front, before we list.

    4
    Prep, stage and shoot

    We get your home ready. Then we take pro photos, video and drone shots.

    5
    Go live

    Your home goes on the MLS. MLS: the shared list of homes for sale that agents use. The first two weeks matter most.

    6
    Showings and offers

    Buyers tour your home. I bring you every offer and help you compare them.

    7
    Escrow to closing

    Escrow: a neutral company that holds the money and papers until the sale is done. Many sales close in about 30 days.

    Good to know in Hawaii

    Homes here are often sold “as is.” You don't have to fix everything. But you must tell buyers what you know about the home. Hawaii law says you give them a disclosure statement within 10 days after you accept an offer.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 7 of 39
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    04What sells a home

    Three things that sell a home

    You can't change your street. But you can control these three things, and we work on all of them together.

    01
    Price

    The right price brings in the most buyers, fast.

    • Based on real sales near you
    • Checked against homes for sale now
    • A price the appraisal can back up
    02
    Prep

    A clean, bright home that feels cared for.

    • Declutter and deep clean
    • Fix the small things buyers notice
    • Fresh paint where walls are worn
    03
    Presentation

    Great photos, video and a strong launch.

    • Staging so buyers can picture it
    • Pro photos, video and drone
    • Reels, posts, emails and open houses
    View from Aiea Heights to Pearl Harbor
    You sell your home twiceFirst online, where most buyers see it first. Then in person, when they walk in the door. We plan for both.
    Want a second set of eyes? I'll walk your home with you and tell you what to fix and what to leave.
    Book a strategy call
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 8 of 39
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    05How pricing works

    How we price your home

    Price is the biggest choice you'll make. Too high and your home can sit. Too low and you leave money on the table.

    What my CMA looks at
    Location and lot

    Your street, your view, your lot size and what is close by.

    Condition and upgrades

    A new roof, solar, a remodeled kitchen or fresh paint all count.

    Comps

    Comps: short for comparables. These are homes like yours that sold nearby, not long ago.

    Your competition

    Homes for sale near you right now. Buyers compare them to yours.

    Market pace

    How fast homes are selling this month, and how many are for sale.

    Your list price strategy
    01
    Price it to the market

    A price in line with recent sales brings in the most buyers in the first two weeks.

    02
    Watch the first two weeks

    That is when the most buyers see a new home. If showings are slow, we talk about it right away.

    03
    Think about the appraisal

    Appraisal: an expert checks the value for the buyer's bank. A price the comps support is easier to appraise.

    Want a CMA for your home? Just ask.
    Get my home value
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 9 of 39
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    05Price myth or fact?

    Price: myth or fact?

    Tap your guess and the answer flips open. 0 of 0 right so far

    01What I paid for my home sets my price.
    Answer: Buyers pay what homes like yours sell for now. What you paid years ago does not change that.
    02Upgrades help, but buyers rarely pay back every dollar.
    Answer: A new roof or kitchen helps your home stand out. The comps show how much buyers will pay for it.
    03Starting high and dropping later is a safe plan.
    Answer: Most buyers look at a home when it's new. If they pass, many don't come back, even after a price drop.
    04The bank's appraisal matters, even when buyers love it.
    Answer: If the buyer has a loan, the bank lends on the appraised value. A price the comps support is easier to appraise.
    What sets your price
    • Homes like yours that sold nearby (comps)
    • Homes for sale near you right now
    • Your home's condition, lot and location
    • How fast homes are selling this month
    • The terms of the sale
    What does not
    • What you paid for it
    • What you spent fixing it up
    • What you need to walk away with
    • What a neighbor thinks it's worth
    • The highest number you've heard
    Want to see the sales behind your price?
    Get my home value
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 10 of 39
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    05The market right now

    The Oahu market right now

    Oahu houses, Sept 2026
    $1,110,000

    Median sale price, down 3.9% from $1,155,000 a year ago. 293 sales. Median 16 days on market.

    Oahu condos, Sept 2026
    $523,000

    Median sale price, up 2.8% from a year ago. 375 sales. Median 41 days on market.

    Sold above asking
    31%

    Of Oahu house sales in Sept 2026 closed above the asking price (25% a year ago). Condos: 12%.

    Median house prices by area
    Area and sourceMedian price
    Ko OlinaWest Oahu · Guide p.34$1,600,000
    KapoleiWest Oahu · Guide p.29$970,000
    MakakiloWest Oahu · Q1 2026 market report, Tee's Makakilo notesAbout $1.1M
    Ewa BeachWest Oahu · Guide p.30$885,000
    MililaniCentral Oahu · Guide p.32$1,100,000
    Royal KuniaCentral Oahu · Guide p.35$937,000
    Pearl CityCentral South · Guide p.38$1,200,000
    AieaCentral South · Guide p.28$1,200,000
    Salt LakeCentral South · Guide p.36$1,200,000
    HonoluluHonolulu · Guide p.25$1,500,000
    Area and sourceMedian price
    ManoaHonolulu · Guide p.26$1,300,000
    KaimukiHonolulu · Guide p.45$1,100,000
    WaikikiHonolulu · Guide p.39$1,000,000
    Hawaii KaiEast Honolulu · Guide p.31$1,400,000
    KahalaEast Honolulu · Guide p.37$2,500,000
    Hawaii Loa RidgeEast Honolulu · Guide p.33$3,500,000
    KailuaWindward · Guide p.27$1,500,000
    LanikaiWindward · Guide p.46$3,500,000
    KaneoheWindward · Ask me for current salesAsk me
    Want this month's sales for your street?
    Ask me

    Island figures: Honolulu Board of REALTORS®, HiCentral MLS data, Sept 2026. Area medians: Tee's Oahu Relocation Guide, Feb 2026, guide pages shown. Past medians for reference only. Not an appraisal, a price opinion or a promise of value. Ask me for current sales near you.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 11 of 39
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    06What your home is worth

    What is your home worth?

    Online numbers are only a starting point. A real value looks at your home, your street and this month's sales. Tell me about your home and I'll make you a home value report.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 12 of 39
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    06The first two weeks

    Why the first two weeks matter most

    A new listing gets the most attention. Buyers who have been waiting see it first. That's why we launch with the right price and our best look.

    First 2 weeksWeek 4Week 6 and onBuyer interest

    A simple picture to show the idea, not real data.

    Oahu houses, Sept 2026
    16 days

    Median days on market. Homes priced right can move fast.

    What the market is telling us
    What we seeWhat it often meansWhat we do
    Lots of showings and offersThe price and the look are working.We compare offers and pick the best terms.
    Lots of showings, no offersBuyers like it, but not at this price.We look at price, or fix what buyers mention.
    Few showingsThe price or photos are not catching eyes.We check the competition and refresh the listing.
    Showings slow after week 2The new listing buzz has faded.We talk about price right away.

    I share what buyers and agents say after tours, so we can adjust fast. Source for days on market: Honolulu Board of REALTORS®, HiCentral MLS data, Sept 2026.

    Want a launch plan that makes the first two weeks count?
    Book a strategy call
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 13 of 39
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    07Get your home ready
    0of 12

    Your prep checklist

    Tap to check things off. It saves on this device only.

    Inside
    Outside
    Papers

    Thinking about a pre-listing inspection? It can find problems before a buyer does. Ask me if it makes sense for your home.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 14 of 39
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    07Staging and photos

    Make a great first look

    Most buyers see your home online first. So we make every room look its best before the camera comes.

    01
    What staging is

    Staging: setting up furniture and decor so buyers can picture living there. Small touches help, like fresh towels, art and plants.

    02
    Light and space

    Open the blinds, turn on the lights and clear the counters. Rooms look bigger and brighter.

    03
    Photos, video and drone

    Pro photos, a video walkthrough and drone shots of your home, your view and the area. A 3D tour too, when it fits.

    04
    Real photos, real home

    We show your home as it really is. Then buyers love it even more when they walk in.

    Boats and homes along the Hawaii Kai marina
    Show off the area tooBuyers buy the lifestyle: the beach, the trail, the view. We show what is close by.
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 15 of 39
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    08Marketing your home

    A launch plan for your home

    Here is a sample plan. Every home gets its own, and the timing can be shorter.

    About 6 weeks before

    We plan the launch. Your home can go up as Coming Soon, so buyers and agents start to watch for it.

    About 4 weeks before

    Postcards go out to your neighbors. They often know someone who wants to live nearby.

    About 3 weeks before

    Social media ads start, with reels and posts about your home.

    About 2 weeks before

    Staging, then pro photos, video, drone shots and a 3D tour.

    About 1 week before

    We make a home binder for buyers, with key facts about your home.

    Launch week
    MondayLive on the MLS
    WednesdayAgents tour it
    SundayOpen house
    Where buyers see it

    The MLS and the big home search sites, social media reels and posts, emails to buyers and agents, and listing words that tell your home's story.

    Want a launch plan made for your home?
    Book a strategy call
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 16 of 39
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    08Marketing your home

    Real homes, real video

    Here is how I show a home on video. Tap to watch.

    Still from the 550 Kamaaha Ave listing video
    Our listing
    Kapolei550 Kamaaha Ave #902
    Co-listed withKinga Mills
    ResultUnder contract at $810,000. Closed November 2025.
    Homes I featured

    Cinematic videos I filmed to show off each home.

    I film tours like these for my sellers’ homes. These four homes were listed by other agents, who let me tour and film them.

    Sources: my listing and transaction records, and my Instagram reels, @teondramills. Sale price and date are as recorded. Past results do not promise future results.

    Want a video like this for your home?
    Book a strategy call
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 17 of 39
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    08Where buyers find you

    Where buyers will find your home

    Buyers come from all over: right here on Oahu, the mainland and military moves. So we show your home in many places at once.

    01
    Photos, video and drone

    Pro shots of every room, your view and the area. Video lets off island buyers tour from far away.

    02
    Reels and posts

    Short videos made for phones, shared on Instagram and Facebook. Easy for buyers to send to family.

    03
    The MLS and home sites

    Your home goes on the MLS, so it shows up on the big home search sites too.

    04
    Agents with buyers

    I reach out to agents who have buyers looking for a home like yours.

    05
    Your neighbors

    Postcards and open house invites. Neighbors often know someone who wants to live nearby.

    06
    Coming Soon and open houses

    We build buzz before launch day, then open the doors so buyers can walk through.

    Ko Olina lagoons and homes from above
    Buyers from far awayMany buyers start looking from the mainland. Video lets them see your home before they fly in.
    Want to see how we would market your home?
    Book a strategy call
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 18 of 39
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    08Marketing your home

    Your home gets seen

    I share Oahu homes and tips on social media. When your home goes live, your listing video can go out to the people who follow me.

    What this means for you

    Buyers, agents and neighbors see your home in their feed, not just on the home search sites. Reels can reach people who were not looking yet.

    Source: Instagram + Facebook: views for Sept. 1 to 30, 2026, from my Instagram Insights (Meta Business Suite). Instagram counts views from my linked Facebook page too: about 83,000 on Facebook and 39,900 on Instagram. YouTube: total channel views on my public YouTube page, Oct 30, 2026. All rounded down. Numbers change over time.

    Want your home in front of these buyers?
    Book a strategy call
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 19 of 39
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    09Showings and offers

    Showings, then offers

    Showing: a private tour for a buyer and their agent. I handle the scheduling and the feedback for you.

    01
    Showing requests

    Agents ask for a time. I set it up with you, so you're never surprised.

    02
    Lockbox

    A lockbox holds a key so agents can get in when you're out.

    03
    Step out for tours

    Buyers relax and look longer when the owner is not home.

    04
    Feedback

    I share what buyers and agents say, so we can adjust fast.

    What I look at in every offer
    Part of the offerWhy it matters
    Price and your netNet: what you walk away with after costs and your loan payoff.
    The buyer's loanCash, VA, conventional and others. Is the buyer fully approved?
    DepositA bigger earnest money deposit shows the buyer is serious.
    ContingenciesContingency: a condition that must be met, or the buyer can cancel.
    Closing dateDoes it work with your move?
    Credits askedIs the buyer asking you to pay some of their costs?
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    09Show ready
    0of 10

    Ready for a showing

    Tap to check things off. It saves on this device only.

    Before every showing
    Safety and privacy
    When it's time
    My tip

    A quick 15 minute tidy each morning keeps you ready, even when a showing request comes in last minute.

    Questions about showings? Text me any time.
    Text Tee
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 21 of 39
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    09Multiple offers

    When more than one buyer wants it

    It happens here. In Sept 2026, 31% of Oahu house sales closed above the asking price.

    01
    Look past the top number

    The highest price is not always the best offer. Look at how the deal will go from yes to closing.

    02
    Ask for best and final

    When several buyers want your home, we can ask each one for their best offer by a set time.

    03
    Counter with care

    Counter offer: your reply with new terms. We can counter one buyer or more than one.

    04
    Keep a backup

    A backup offer can step in if the first buyer falls through.

    “Sellers aren't only looking at the number on top. They're looking at how the deal will go from yes to closing.”Tee
    Buyer agent pay

    Buyer agent pay is negotiable. A seller may offer to pay some or all of it, and some buyers ask for it in their offer. We decide together, before we list.

    Source: Honolulu Board of REALTORS®, HiCentral MLS data, Sept 2026.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 22 of 39
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    09Inspection and appraisal

    Inspection and appraisal

    After you accept an offer, the buyer checks the home closely. Here is what to expect.

    01
    The home inspection

    A pro checks your home for the buyer. The buyer may ask for repairs or a credit. You can say yes, no or meet in the middle.

    02
    Termite inspection

    In Hawaii the seller usually pays for it. The buyer picks the company.

    03
    Survey

    For a house or land, the seller usually pays for a survey. It shows where the lot lines are.

    04
    The appraisal

    If the buyer has a loan, the bank sends an appraiser. If the value comes in low, the buyer can pay the gap, we can meet in the middle, or we can lower the price.

    Your seller disclosure

    SRPDS: the seller's disclosure statement, where you share what you know about the home. Hawaii law says you give it within 10 days after you accept an offer. The buyer then has 15 days to review it, and may cancel. My tip: when in doubt, share it.

    Sources: Hawaii Revised Statutes 508D-5; Old Republic Title Hawaii homeowner's manual.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 23 of 39
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    10Offer to closing

    About 30 days to closing

    Every closing is a little different. Here's what happens, day by day, once you say yes to an offer.

    30days is about how long many Hawaii closings take

    Most take 30 to 45 days.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 24 of 39
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    10Your timeline

    What happens after you say yes

    Day 1
    Offer accepted

    You and the buyer sign, and we open escrow.

    Step 1 of 12
    Moving before closing?

    Tell me early if you'll be off island. We plan your signing around it.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 25 of 39
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    10Moving out
    0of 10

    Your moving out checklist

    Tap to check things off. It saves on this device only.

    About a month before
    About two weeks before
    Closing week
    Good to know

    Keep the power and water on until after the buyer's final walkthrough. Walkthrough: the buyer's last look at the home, 1 to 2 days before closing.

    Want help lining up your sale and your move?
    Book a strategy call
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 26 of 39
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    10Offer to closing

    Local pros I like

    Need a hand getting ready or moving out? Start here.

    My go-to
    Coconut Cleaning & RepairsDeep cleaning, move-out cleaning and handyman repairsKaneohe, serving Honolulu and Windward Oahu(808) 384-9173

    I call them first when a home needs a clean or a quick fix.

    Staging
    KŌMO Home StagingHome staging for saleKapoleikomohomestaging.com(808) 226-2826
    OASIS Staging + DesignHome staging and designHonoluluoasisstaginghawaii.com(808) 638-2489
    Moving
    Ewa Moving Co.Local, owner run moving companyEwa Beach, all of Oahuewamoving.com(808) 300-0223
    You Move Me HonoluluLocal and long distance movesHonoluluyoumoveme.com/honolulu(808) 379-3850
    Handyman
    Kama‘aina HandymanRepairs and small projectsHonolulukamaainahandyman.com(808) 393-1163
    Book Easy Oahu Handyman ServicesRepairs and fix-it jobsKapolei(808) 808-0840
    These are local pros with strong reviews. Tee is happy to connect you.

    You choose who you hire. Ask for a quote and read their latest reviews before you book.

    Want help lining up your move?
    Text Tee
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 27 of 39
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    11Levels of service

    Choose your level of service

    Pick the level that fits your home and your goals. Every level comes with me, from the first photo to closing day.

    Package One
    2.5%commission
    • Pro photos (up to 20)
    • Yard sign and lockbox
    • Listed on the MLS
    • Social media posts
    • My trusted vendor list
    • I manage every step of the deal
    • Expert contract negotiation
    • Open house
    Package Two
    3%commission
    • Pro photos (up to 35)
    • Yard sign and lockbox
    • Listed on the MLS
    • Social media posts
    • My trusted vendor list
    • I manage every step of the deal
    • Expert contract negotiation
    • Mega open houses
    • Aerial photos
    • Video tour or reel
    • Listing web page
    • Property brochures
    • Direct mail postcards
    • Targeted social media ads
    Package Three
    3.5%commission
    • Pro photos (up to 50)
    • Yard sign and lockbox
    • Listed on the MLS
    • Social media posts
    • My trusted vendor list
    • I manage every step of the deal
    • Expert contract negotiation
    • Mega open houses
    • Aerial photos
    • Video tour or reel
    • Listing web page
    • Property brochures
    • Direct mail postcards
    • Targeted social media ads
    • Single property website
    • Professional staging
    • Pre-list inspection

    Bold items are the extras you get at that level.

    Good to know

    By law, all commission rates are negotiable. These rates are not fixed. We agree on them together, in writing, before we list. Buyer agent pay is separate, and you choose whether to offer it.

    Not sure which level fits your home?
    Book a strategy call
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 28 of 39
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    12What selling costs

    Your seller charges, line by line

    These are the charges you may see on your closing statement. Your escrow company gives you the exact numbers.

    Charge and what it isWho usually pays
    Loan payoffWhat you still owe on your mortgage, plus interest up to the payoff day.Paid from your sale money
    Brokerage feesMy pay, set by the level of service you pick.The seller, at closing
    Buyer agent payOnly if you choose to offer it. It is negotiable.The seller, if offered
    Escrow feeThe neutral company that holds the money and papers. GET is added.Split 50/50
    Title insuranceProtects the buyer's ownership of the home.Seller 60%, buyer 40% of the standard owner's policy
    Conveyance taxA state tax on the sale. $0.10 to $1.25 per $100, based on price.The seller
    Deed and notaryDrafting the deed that moves the home to the buyer, and signing it.The seller
    Survey and termite checkA survey of the house or land, and a termite inspection.The seller
    Property tax and HOA duesSplit by the day at closing. You pay for the days you owned it.Each side pays its days
    Repairs and creditsWhat we agree to after the buyer's inspection.The seller, only if agreed
    Seller concessionsMoney you give toward the buyer's closing costs or rate.The seller, only if agreed
    Home warrantyCovers some repairs for the buyer after closing.The seller, only if you offer one
    HARPTA or FIRPTA hold backPrepaid tax held back if you are not a Hawaii resident or are a foreign person for U.S. tax.Only if it applies

    Who pays what is the custom on Oahu, and it can be changed in the contract. Sources: Old Republic Title Hawaii homeowner's manual; Talk Realty seller FAQs; Title Guaranty escrow fees; Hawaii Dept. of Taxation, Tax Facts 2026-1 (conveyance tax). See the next pages for credits, taxes and your net sheet.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 29 of 39
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    12What selling costs

    Credits and a repair reserve

    Two things can change what you walk away with: credits you give the buyer, and repairs that come up after the inspection.

    Seller concessions

    A concession is money you agree to give the buyer at closing.

    Why buyers ask: to help pay their closing costs, or to buy down their loan rate so the monthly payment is lower.

    What it does to your net: it comes out of your sale money. Your price can stay the same, but you take home less. Each loan type limits how much a buyer can get, so we check the rules for their loan.

    A repair reserve

    A repair reserve is money you set aside before you list, just for repairs.

    Why it helps: after the inspection, the buyer may ask for repairs or a credit. If the money is already set aside, a surprise does not stall the sale or make you scramble.

    If you don't need it: it stays yours.

    Credit or a lower price?

    Sometimes a credit helps a buyer more than a price cut, because it covers cash they need at closing. I will lay out both choices so you can see which one keeps more money in your pocket.

    Try it in the net sheet

    Add a concession and a repair reserve on the net sheet to see what you keep.

    Want help planning for credits and repairs?
    Book a strategy call
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 30 of 39
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    12Taxes when you sell

    Taxes that can come up

    Conveyance tax, per $100 of the sale price
    Sale priceBuyer will live there*Buyer will not live there
    Under $600,000$0.10$0.15
    $600,000 to under $1M$0.20$0.25
    $1M to under $2M$0.30$0.40
    $2M to under $4M$0.50$0.60
    $4M to under $6M$0.70$0.85
    $6M to under $10M$0.90$1.10
    $10M and up$1.00$1.25

    *When the buyer can get the county home exemption. Example: a $1,110,000 sale is $3,330 or $4,440.

    HARPTA: 7.25%

    If you are not a Hawaii resident, the buyer holds back 7.25% of the sale price for the state. It's a prepayment, not always your final tax. Hawaii residents can file Form N-289 to skip it.

    FIRPTA: 15%

    If you are a foreign person for U.S. tax, the buyer holds back 15% for the IRS. A lower rate, or none, can apply if the buyer will live there and the price is $1M or less.

    Home sale tax break

    Lived in it as your main home 2 of the last 5 years? You may not pay tax on up to $250,000 of gain, or $500,000 if married filing jointly.

    GET on fees

    GET: Hawaii's general excise tax, 4.5% on Oahu. Businesses can pass it on, up to 4.712%. You'll see it on escrow fees.

    General information, not tax advice. Please talk with a CPA. Sources: Hawaii Dept. of Taxation (Tax Facts 2026-1, Tax Facts 2025-1, Form N-288 instructions, GET county surcharge); HRS 247-2 and 235-68; IRS (FIRPTA withholding, Topic 701).

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 31 of 39
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    13Net sheet estimator

    What could you walk away with?

    Net sheet: a list of your costs that shows what you keep. Type your own numbers. Nothing leaves this page.

    $
    Oahu house median, Sept 2026 (HBR). Change it to your price.
    $
    From your lender. Leave blank if paid off.
    %
    From the level of service you pick.
    %
    Negotiable. You may offer some, all or none.
    $
    Get a quote with the Title Guaranty estimator, or ask me.
    $
    Money you give the buyer for closing costs or rate.
    $
    Set aside for repairs after the inspection.
    $
    Survey, termite, staging, home warranty.
    Estimated net to you
    $ ...

    Enter a sale price to start your estimate.

    Conveyance tax
    ...
    My pay
    $0
    Buyer agent pay
    $0
    Escrow and title
    $0
    Concessions
    $0
    Repair reserve
    $0
    Other costs
    $0
    Loan payoff
    $0
    Total costs
    ...
    Held back at closing
    $0
    Estimated cash at closing
    ...

    Hold backs are prepaid tax. You may get some back when you file.

    Get my real net sheet

    Estimate only. Every cost is an estimate until escrow gives you final numbers. Not a price opinion, an appraisal or tax advice. Conveyance tax uses the Hawaii rates for 2026.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 32 of 39
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    14Rent it or sell it?

    Rent it out, or sell it?

    Both can be smart. It depends on your plans, your numbers and how hands on you want to be.

    If you sell

    You cash out your equity. Equity: the part of your home's value you own after the loan. No tenants or repair calls. If it was your main home 2 of the last 5 years, you may get the home sale tax break.

    If you rent

    You keep the home and a tenant helps pay for it. Rent is taxed in Hawaii: state income tax and GET. Rent it too long and you may lose the home sale tax break, since the 2 of 5 years test can run out.

    My team can manage it for you
    • Move-in condition reports with photos
    • Inspections every 6 months
    • Maintenance requests checked three times a day
    • Lease renewals offered at least 45 days ahead
    • Owner updates you can count on

    Ask me about the cost and what's included. Honolulu has strict rules on vacation rentals, so ask me before you plan a short stay rental.

    Let's run both options for your home.
    Book a strategy call

    Sources: Hawaii Dept. of Taxation, rental income; IRS Topic 701. Not tax advice.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 33 of 39
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    15Military PCS sellers

    Got PCS orders?

    PCS: a permanent change of station, or a move to a new base. Here is how we make selling, or renting, fit your orders.

    01
    Start with your report date

    Tell me when you need to leave. We work back from that date to plan your list date and closing.

    02
    Sell from anywhere

    I handle showings and keep you posted by text and video. We plan your signing early, even if you're off island.

    03
    If you have a VA loan

    A qualified buyer may be able to take over your VA loan. The lender and VA must say yes. Ask your lender how it affects your VA entitlement.

    04
    Or keep it as a rental

    Many military owners rent their home when they PCS. I help you compare both paths, and my team can manage it.

    A tax tip for service members

    On qualified official extended duty, you may be able to pause the 5 year clock for the home sale tax break. That can help if you moved away and want to sell later.

    Have orders? Let's map out your timeline.
    Book a strategy call

    Sources: IRS Publication 523; VA.gov. Not tax or legal advice.

    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 34 of 39
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    16Questions sellers ask me

    Questions sellers ask me

    Here are honest answers to the questions I hear most. Tap one to open it.

    What is my home worth?

    A real number takes a CMA, with sales near you from this month. Start on my Home Value page, or book a strategy call.

    Do I have to fix everything first?

    No. Homes here are often sold as is. Fix the small things buyers notice, and we decide on the big ones together. You still share what you know in your disclosure.

    How long will it take to sell?

    It depends on price, condition and area. In Sept 2026 the median Oahu house sold in 16 days on market, and the median condo in 41. After an offer, many closings take about 30 days.

    What will I walk away with?

    Try the net sheet in this guide for a first look. I'll make you a real one with numbers from escrow.

    How much do you charge?

    My pay is always something we talk about up front, before we list. Buyer agent pay is negotiable, and a seller may offer to pay some or all of it.

    I don't live in Hawaii. What changes?

    The buyer may need to hold back 7.25% of the price for the state (HARPTA). It's prepaid tax, so you may get some back when you file. Talk with a CPA early.

    Can I sell and buy at the same time?

    Yes, with a plan. We line up both dates so you know where you'll go next. Let's talk it through on a call.

    Have a question that's not here? Let's talk it through.
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 35 of 39
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    16Words to know

    Home selling words, made easy

    Hear a new word? Tap it to see what it means.

    CMA

    A report that compares your home to similar homes that sold nearby.

    Comps

    Homes like yours that sold nearby, not long ago.

    List price

    The price your home is offered for on the MLS.

    MLS

    The shared list of homes for sale that agents use.

    Listing agreement

    The contract with your agent that sets the price, plan and pay.

    Escrow

    A neutral company holds the money and papers until the sale is done.

    Earnest money

    A good faith deposit that shows the buyer is serious.

    Contingency

    A condition that must be met, or the buyer can cancel.

    SRPDS

    Your seller disclosure, where you share what you know about the home.

    Appraisal

    An expert checks the value for the buyer's bank.

    Conveyance tax

    A Hawaii tax on the sale, usually paid by the seller.

    HARPTA

    Hawaii's 7.25% hold back when the seller is not a resident.

    FIRPTA

    The IRS hold back when the seller is a foreign person.

    Net proceeds

    What you walk away with after costs and your loan payoff.

    Equity

    The part of your home's value you own after the loan.

    Closing

    The day the sale is recorded and your money is sent to you.

    Still have a question? Just ask me. No question is too small.
    Text Tee
    TEONDRA “TEE” MILLS · RS-81936·(808) 646-2882·teondra@pacificluxe.group·Page 36 of 39
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    Palm trees at sunset at Ko Olina on the west side of Oahu
    Mahalo and aloha

    When you are ready, I am here.

    Sell your Oahu home with a clear plan

    Book a strategy call. We will go over your goals, your home's value and your next step.

    Teondra Tee Mills
    Teondra “Tee” Mills · RS-81936(808) 646-2882 · teondra@pacificluxe.group · teondra.talkrealty.coLuxury Hawaii Realtor · Founder, The Pacific Luxe Group · Powered by Talk Realty
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    Photo credits
    The Pacific Luxe Group
    Mahalo to the photographers

    Photo credits

    Every photo in this guide is a real photo. Here is where each one came from.

    • Hawaii Kai · Photo: Tony Webster, CC BY 2.0, via Wikimedia Commons.
    • Kaneohe Bay · Photo: Robert Linsdell, CC BY 2.0, via Wikimedia Commons.
    • Aiea Heights · Photo: Avriette at English Wikipedia, CC BY-SA 3.0, via Wikimedia Commons.
    • Kailua · Photo: Raita Futo, CC BY 2.0, via Wikimedia Commons.
    • Hawaii Kai marina · Photo: Matt Kieffer, CC BY-SA 2.0, via Wikimedia Commons.
    • 550 Kamaaha Ave video · Our listing video, hosted on Vimeo.
    • Tour covers · From Tee’s Instagram reels, @teondramills.
    • Ko Olina from above · Photo: Farragutful, CC BY-SA 4.0, via Wikimedia Commons.
    • Hanauma Bay · Photo: Farragutful, CC BY-SA 4.0, via Wikimedia Commons.
    • Ko Olina at sunset · Photo: Farragutful, CC BY-SA 4.0, via Wikimedia Commons.
    • Tee's portrait: The Pacific Luxe Group.

    Photos resized and cropped.

    This guide is general information, not legal, tax or financial advice. Figures are dated and sourced on each page and can change.

    Privacy: no cookies and no ad trackers. Your answers stay on your device. If you opened this from my message, I get a note when you open it or tap Book a strategy call.

    Equal Housing Opportunity