Honolulu · Mortgage broker · NMLS 1603145
I do not ask you to trust a slogan. I shop your loan across more than 100 wholesale lenders and banks and show you the numbers side by side. Bring any offer you have and I will put mine next to it.
Buying? 60-second qualifier · Refinancing? Rate checker
Proof, not promises
Anyone can say they have low rates. A broker can show you. Here is exactly what I compare when you bring me an offer from a bank or another lender.
| Loan Estimate section | What it shows | What I check |
|---|---|---|
| Page 1 · Loan Terms | Interest rate, monthly principal and interest, prepayment penalty | Same rate lock period and loan type, so the comparison is fair |
| Section A | Origination charges, including points | Points and lender fees you pay to get that rate |
| Section B | Services you cannot shop for | Appraisal, credit and flood fees, which should be similar everywhere |
| Section J | Total closing costs, net of lender credits | Whether a low rate is being paid for with high costs |
| Page 3 · Comparisons | APR and total paid in 5 years | The single best apples-to-apples number between two offers |
What I am known for
Condos & condotels
Your bank said the building "doesn't qualify." That usually means it fails a Fannie Mae or Freddie Mac project rule, not that it cannot be financed.
For veterans
Already have a VA loan? An Interest Rate Reduction Refinance Loan can lower your rate with limited paperwork, usually with no appraisal and no income verification.
How it works
Ask my AI assistant a question, answer a few qualifying questions, or upload an offer you already have.
You get pricing from my lender network for your scenario. No hard credit pull to get a quote.
Start the application, book a 10-minute call, or call or text me right away.
I stay on your file from application to funding and keep you and your agent updated.
Live from my window
A live 4K view from my apartment. Agents use it on the TV at open houses and broker opens. Open the full-screen version.
For Realtors
Tell me the building, the price and the buyer's situation. I will tell you which of my lenders can do it, usually the same day, before your buyer writes an offer.
Hosting an open house? Put the live Ala Moana view on the TV. It shows my contact details for your buyers.
Questions
I am a mortgage broker, not a bank. Through Kama'aina Mortgage Group I can submit your loan to more than 100 wholesale lenders and banks, compare their pricing for your exact scenario, and place the loan with the one that fits best. You fill out one application.
No. I pull your credit once, then use that same file to compare lenders. You do not have to apply at bank after bank.
Often, yes. Non-warrantable condos and condotels are my specialty. Many Oahu buildings fail Fannie Mae or Freddie Mac project rules, and I work with the portfolio and non-QM lenders that finance them.
Upload the Loan Estimate you received. I will price the same loan, same lock period and same property, and show you the comparison line by line. If I cannot improve it, I will tell you.
I am based in Honolulu and lend on every Hawaiian island. Through Kama'aina Mortgage Group I can also help with properties in the other states where the company is licensed.
