Honolulu · Mortgage broker · NMLS 1603145
I do not ask you to trust a slogan. I shop your loan across more than 65 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
Every lender has to give you the same 3-page Loan Estimate. That makes offers easy to compare, once you know the five spots that matter.
| Loan Amount | $162,000 | NO |
|---|---|---|
| Interest Rate | 3.875% | NO |
| Monthly Principal & Interest | $761.78 | NO |
| Does the loan have these features? | ||
| Prepayment Penalty | YES · As high as $3,240 if you pay off the loan during the first 2 years | |
| Balloon Payment | NO |
| Payment Calculation | Years 1-7 | Years 8-30 |
|---|---|---|
| Principal & Interest | $761.78 | $761.78 |
| Mortgage Insurance | + 82 | + — |
| Estimated Escrow | + 206 | + 206 |
| Estimated Total Monthly Payment | $1,050 | $968 |
| Estimated Closing Costs | $8,054 | Includes $5,672 in Loan Costs + $2,382 in Other Costs |
|---|---|---|
| Estimated Cash to Close | $16,054 | Includes Closing Costs |
| In 5 Years | $56,582 $15,773 | Total you will have paid in principal, interest, mortgage insurance, and loan costs. Principal you will have paid off. |
|---|---|---|
| Annual Percentage Rate (APR) | 4.274% | Your costs over the loan term expressed as a rate. This is not your interest rate. |
| Total Interest Percentage (TIP) | 69.45% | The total amount of interest that you will pay over the loan term as a percentage of your loan amount. |
| Appraisal | We may order an appraisal to determine the property's value and charge you for this appraisal. |
|---|---|
| Assumption | If you sell or transfer this property to another person, we ☐ will allow ☒ will not allow assumption of this loan on the original terms. |
| Late Payment | If your payment is more than 15 days late, we will charge a late fee of 5% of the monthly principal and interest payment. |
| Servicing | We intend ☐ to service your loan ☒ to transfer servicing of your loan. |
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
Answer a few qualifying questions, or send me 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.
Who you are working with
I broker your loan through Kama'aina Mortgage Group, a Hawaii company at 500 Ala Moana Blvd. You work with me directly, and a local processing team keeps your file moving from application to closing.
Questions
I am a mortgage broker, not a bank. Through Kama'aina Mortgage Group I can submit your loan to more than 65 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.
Send me 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 other states where the company is licensed.