• The PERFECT HOME

    The PERFECT HOME

    is waiting for you. Let us find you the perfect loan to go with it.

  • LET US

    LET US

    Help you find the best loan.

  •  Refinancing

    Refinancing

    is easy with our professionals' help.

  • STEPPING STONE

    STEPPING STONE

    No matter what type of loan you need, we are with you every step of the way.

  • AMAZING

    AMAZING

    Working with HME is an Amazing Experience.

Convenient Locations for Our Customers.

Use the search below to find a location near you.

or

Welcome

Aloha! Please feel free to browse our website for helpful mortgage information and to take advantage of our free mortgage calculator! We have taken special care and consideration to provide you with a wealth of knowledge about the mortgage and real estate process but we understand that each person and situation is different. We would love for you to call us at any time so that we can custom tailor the mortgage solution that is best for you!

  • Gerald was very helpful and paid attention to my every need. I will defiantly recommend Gerald to my friends and will be sure to use the services again if I need to!

    Randilyn K.

  • Refinancing with Karyn was seamless, easily understandable and stressfree. She explained the process before we had questions. Exceptional.

    Natalie R.

  • Jessica did everything possible to ensure our refinancing of our mortgage was done in a professional way that made us feel safe and secure with her company. She went out of her way to acquire documents that were not readily available to us. She always kept in touch with us if there was any questions or concerns about the refinancing and to see how we were doing personally. Thank you!

    Jitsuo T.

  • Mahalo Joe. You have been awesome to work with and I will definitely tell people about you and the company.  Appreciate the info.  This has been the best ever mortgage company I have worked with.

    Duane P.

  • We had very challenging circumstances and Jordan Stallard & Hawaii Mortgage Experts met those challenges! I will be recommending Jordan to my clients, family and friends. Thank you for a job well done!

    Pamela G.

  • The communication was beyond reproach! Daniel immediately answered any questions I had about the loan process and provided valuable information as we moved through. His comittment and dedication were far above anything my wife and I could have expected! His customer service is a model for many to follow! It has been an honor and privilege to have associated and worked with Daniel Relyea!

    Jim H.

  • Excellent, service! Katie was very accommodating in meetings location. Professional in every aspect of her plantations. Very pleased indeed.

    George B.

  • Jessica Magee did an excellent job on our refinance. She made the process seem so easy!

    Angela A.

  • Dex has shown a professional and patient approach to a complex loan that succeeded as promised. He was in contact almost daily even weekends to bring us the information we needed to close this deal. In short Dex is the best! Mahalo, Mark MacKay

    Richard S.

  • Gerald Tandal did a great job of staying on top of everthing. I came in contact with Gerald about 4 years ago thru an e-mail. At that time I was having a hard time refinancing but Gerald stayed with me. He was concerned on how I was doing. Finally he was able to work out a deal where I was able to refinance at a good interest rate. Mahalo for all the hard work.......Peter and Barbara Mota

    Peter M.

  • This is the second refi I did in a 2 month period. The first one was expensive, difficult and very frustrating. Vincent was recommended to me by a friend. This experience was the opposite, affordable, easy and a pleasure. I am so glad I called!

    Sheryl L.

  • With my job I travel a lot . I found a house a couple days before I had to travel to Korea. Upon returning from Korea I was home only two weeks before I had to leave once again for the Philippines. With everything that I had going on in my life Joe was very understanding and he kept me abreast of everything that was going on. He was able to make this happen for me in just over a month. I say again, "Thank you Joe."

    Bartholomew L.

  • We as clients of Karen Kaina were so greatful for all that she did for us. She was on top of everything that had to be done. We will definitely be recommending her to our friends and family!

    Nelvin R.

  • Jacob was excellent! Very responsive and quick. We are very satisfied with our overall experience!

    CT G.

  • Sherri was the best I have come across in market in over 25 years. She works hard for her clients and has no problem going the extra mile to make sure she finds the best deal on the market for financing! Sherri will always be my choice if we sell and buy again in the next few years. Total Blue Chip performer!

    Stephen J.

  • Everyone we came in contact with was highly professional and efficient in their handling of our refinance. There was lots of Aloha spirit in all aspects of our meetings. The mobile notary was wonderful and so convenient. Overall, "excellence" is the best word to describe our dealings with Hawaii Morgage Experts and especially Jessica Magee, our senior loan officer. Mahalo nui loa!

    Naomi A.

  • I appreciated Anna 's kind, patient service. There was a lot going on at my end. We initially tried refinancing in 2013, but it turned out not to be the best time, so Anna contacted me again a year later, just before I was leaving for a long trip. Again, Ana was patient and kind, and we followed through.

    Martine A.

  • Great experience working with Ash and the HME team. He did everything he said he was going to do to meet our needs/goals. I would truly recommend Ash and HME to anyone who needs to refinance. My husband and I truly appreciate the time and dedication you have given to us. Thank you again! Our life will change because of you.

    Warlito S.

  • Hawaii mortgage experts, in specific  Mr. Dex Cajigal,  have done the best job my wife & I could have imagined!!!  He guided us through an intense & rigorous refinance that many had turned us away.  We can't express enough appreciation!!!  We highly recommend them and they are truly experts!  We can't wait to work with him again and plan on it very soon!  A strong Mahalo & deep Aloha!  David and Taeko Scott,  we love you!

    David S.

  • Thank you very much Dex for doing all the detail work required to close that difficult loan with Bank of Hawaii.  Mark and I appreciate your reliable attention to all those details, and your patience (greater than mine!) with all the delays and backtracks. The loan has funded and we're very pleased with the result.

    Rich S.

  • We received excellent service and are very satisfied with our experience!

    Bridget W.

  • I wouldn't hesitate to recommend your services as I was impressed with the service and quick response to all of my questions.

    Glenn C.

  • Sean was outstanding!

    Donald A.

  • Ash was very straightforward and honest throughout the entire mortgage process. He was a pleasure with which to deal.

    John W.

  • Sean was amazing! He helped us every step of the way and made refinancing stress free.

    Anonymous

  • We were very happy with the level of service we have received from Sean. During the process of purchasing a property we hit a few snags along the way, however with help from Sean we were able to find solutions and accomplish the purchase.

    Joni M.

  • Sean Ryan is on it: thorough, helpful, and easy to communicate to. Would highly recommend, and will do so....

    David M.

  • They made promises that they kept! It is wonderful to be treated with such professionalism and expertise. We greatly appreciated it!!

    Courtney D.

  • Ash was excellent! I'm very satisfied with your service god bless to all.

    Jaimie L.

  • Katie was very willing to help and very patient with us during the whole process. Really helped put us at ease by explaining things for us and going over our various options.

    Martin H.

  • Our experience working with Gerald was excellent! He provided us with great service.

    Irwin S.

  • This was the easiest and most non-stressful refinance that I have encountered. Robert was very personable and called to make sure that everything was okay and kept me up to date with the whole process. He was able to work with my situation and provided me the best options!

    Kristy D.

  • Since I am working in Japan, I applied for the mortgage refinance via distance support. Gerald put together the refinance package with no problems at all. My wife, who was my attorney in fact, told me that Gerald made her very comfortable while assisting her through the mortgage paperwork process up to completion. If and when the mortgage interest rates drop to a lower figure in six months, I will ask Gerald to help me do rate reduction the VA loan refinance.

    Fernando H.

  • Daniel provided us with excellent service! He kept us informed from start to finish and we are very satisfied with our experience while working with him.

    Roy M.

  • Hawaii Mortgage Experts... is by far the best mortgage company I've had the pleasure of working with. Vincent Arquinez was very helpful and really worked hard to get my loan approved and he was always upfront and honest.

    Randy S.

  • HME helped me get a lower rate and put in more effort than my current lender (local bank) in helping to streamline the process for my particular situation. Tony provided me with excellent service!

    Alan L.

  • I had the best experience with Hawaii Mortgage as I refinanced our home. I wish I had gone with Hawaii Mortgage from day one. Sean Ryan is the best and he is awesome and would highly recommend him to family and friends. He has a lot of patience. He answered all my questions and concerns. Thank you so much Sean Ryan for all your help and very grateful!

    Allan P.

  • HME made our refinance almost painless. Tony, Wendi, you were knowledgeable, and professional in your jobs. Tony, we won't hesitate to recommend you should we know someone who might need or want to take advantage of the low interest rates.

    Milton B.

  • We are so satisfied with our experience with Jessica Magee! My first refinance with HME was a fantastic experience. I use them for all of my properties now, present and future.

    William P.

  • I am very satisfied and glad that I utilized HME, and I will definitely use HME in the future should I do any refinancing or purchase of another home. I will be recommending Brant to my friends and family!

    Eugene O.

  • Couldn’t believe how fast the process was. For the most part, very smooth transaction. We are very satisfied with our overall experience!

    Delphine P.

  • I was pleased with the service and how quickly we were provided with information on our loan. We thank you for that. Mahalo!

    Joel S.

  • Thank you Karyn and HME staff for providing us with fast service and wonderful assistance! Karyn is such a lovely person that helped us understand the process throughout the entire transaction. Once again-- thank you!! Job well done Hawaii Mortgage Experts!

    Fernando P.

  • Always there to answer any questions I have. Brant goes out of his way over and beyond. If Brant don't have answers he will find a way to get.

    James O.

  • Its amazing! Overall process is fast, no problem at all, Ash is very accommodating, kind, answers all my questions & concerns on time.

    Marilyn R.

  • Very expeditious, always easy to communicate, free of stress, execution of documents were always in a timely manner. I was always comfortable throughout the process. Thank you for this nice experience Anna Ibarra!

    Raymond M.

  • Brian provided us with excellent service! He stayed with it until the job was finished!

    Glenn S.

  • As always, Keith Mateo has provided excellent service and support in our refinancing needs and we will always consider using him for future refinances or mortgage needs! He is the best!

    Kenneth C.

  • I love Ash. He is uber-competent, very professional, very cool-headed, UNBELIEVABLY responsive and just all around EASY to work with. I feel like he is my own personal loan officer, one that I keep on speed-dial. You'd never know that he even has any other clients besides you. That is what I'd call the absolute height of "personal service". He does a GREAT job at what he does. And, perhaps best of all, he puts up with the crabby, demanding, self-important clients (like me) with pleasantness and a smile -- and I am sure I am not his biggest commission either! I feel lucky to have found him. I don't think I've worked with anyone since!

    Ava W.

  • I never met George until almost the end. Talking to him from the very beginning was such a joy and he has helped us tremendously. When we finally met I was very satisfied and he met all our needs.

    Idamae H.

  • We are very satisfied with our experience working with Jacob. It was a pleasure to work with such a professional team.

    Claudio N.

  • We are very pleased with the attention and level of detail our "loan officer for life", Ash Colter provided us during this process. We contacted him many times with questions and concerns and he was extremely patient in explaining the process and the sequence of events to us. It was a pleasure to walk through this process with him. Ash is super-professional and knowledgeable and I would recommend him to any of my friends if they get an opportunity to refinance their VA loan.

    Anonymous

  • We are so happy with our experience while working with Joe. He provided us with excellent customer service!

    Charlene R.

  • We are very satisfied with our experience while working with Joe Pickett. Joe is very professional and always provides excellent service.

    Editha R.

  • We had to deal with a VA qualifications that seemed never-ending and Gerald was there each step of the way to move the process forward! We are very satisfied with our experience!

    Chayil C.

  • Sherri went above and beyond to secure the best possible loan for me and my family's new home. She was always professional, understood my needs and addressed my concerns. I will continue to recommend Sherri to anyone in need of a mortgage.

    Nephi C.

  • Keith gave us excellent service! He was easy to work with and made the process seamless.

    Deborah A.

  • I have been looking for a house here in Hawaii for almost 2 years, and I've had my fair share of loan officers claiming they're experts. Most never return my calls, others forget that I'm a client by sending me an email apologizing for replying late to questions I had asked weeks ago. Others, seem to pass me up do to my credit score, or some other reason. However, Mr. Vincent with Hawaii Mortgage Experts is the real expert in his trade, and has great customer service. I work in the health care field for the military, and customer service is vital to our daily operations. His caring nature, reflected what I wanted to see in my past loan officers. I linked up with him through my RA, and immediately I recognized his genuine nature of a humble man that meets our expectations with getting into a home. Overall, I recommend Hawaii Mortgage Experts to anyone looking for an honest, caring and reliable loan consultant. Atimua & Margie Migi

    Atimua M.

  • We are very satisfied with our experience while working with Katie Puzzuoli! Katie kept me updated on a daily basis regarding the status of our loan. I will be referring Katie to our friends and family for future loan needs.

    Jasmine E.

  • Brian was very easy to work with and provided excellent service throughout the process. This was the 2nd time Brian helped us save on our home and I am thankful the he was the one that answered the phone from the get go!!!!

    Troy W.

  • We were Extremely Happy with the Professionalism and customer service we received from Jacob and the team. Jacob and the team of professionals that assisted him made the home loan process very comfortable and smooth. So smooth that throughout the home loan process we felt as if we were not doing enough to provide Jacob with everything he needed but Jacob reassured us all along the way and eased our minds. We appreciate Jacob for all that he has done to help us have a home of our own. We are so Grateful!! John & Lina Jungblut

    Lina J.

  • Katie Puzzuoli was very helpful and easy to work with. Although we changed things around a little, she was always willing to help with other options. Would definitely recommend HME.

    Brian A.

  • It's always a pleasure to hear from Keith. He is so upbeat. We worked with him from the end of 2013 on our mortgage, then he kept up with our loan and notified us of a lower interest rate in 2014.

    Joseph T.

  • Jessica Magee was very helpful in the fact that she did all the work. I did not have too much equity but she worked hard finding a bank that would let me make a loan with them. I did not have to do much at all. Thanks Jess!

    Neal N.

  • We're very satisfied with our experience while working with Keith Mateo. My wife and I are extremely happy with Keith's performance. Words cannot explain the exemplary service Keith has displayed in acquiring our new home. His meticulous attention to detail far exceeded my expectations. He has a large network of business professionals and he was always in contact with the Realtor and people involved in my transaction. He saved me and my family an innumerable amount of money and prevented what oculd have been a stressful situation. As stated above, 'Words cannot explain the gratitude and the happiness me and my family are feeling.' Thank You & God Bless Keith from the bottom of our hearts.

    Gilbert P.

  • Jordan Stallard provided us with excellent service.  He was very caring, conscientious and excellent follow through. Always kept me updated. Went to extra lengths to ensure a successful closing.

    Linda A.

  • Sean Ryan provided us with excellent service throughout the loan process. We will definitely be referring him to our friends and family.

    Earl T.

  • Vincent was wonderful! He explained the escrow process to me every step of the way and always kept me in the loop with what was happening. He was very easy to reach and very helpful.

    Maria H.

  • Very satisfied with Vincent and the outcome of my refinancing. This experience was by far the easiest of my 4 VA loans I have done. From initial meeting to signing of my loan docs – everything was SMOOTH.

    Philip D.

  • Vincent Arquinez was very professional in all his dealings with us. He was also very patient in working with us on a long and convoluted multiple property refinance. Well done! I'd recommend him to anyone.

    Herman F.

  • Working with Vincent Arquinez at HME was an amazing experience. It had been almost ten years since we had purchased a home, and the previous purchase had been financed through a developer's recommended lender. Throughout the entire process Vincent and his team were engaging, communicative, professional, timely, and made sure that we were prepared with all the information and corroborating documents even before we needed them in order to speed the process along. I would and have recommended Vincent to friends and family. Overall a great experience that exceeded my expectations!!!

    Kiera V.

  • I was referred to Vince a little over two weeks prior to closing. He was able to get all of my paperwork switched over and a bigger credit than the previous lender I was working with. I ended up not paying anything out of pocket at closing!

    Samantha W.

  • Karyn was the "ultimate" professional! She was always in contact with us, letting us know what was happening and if we needed to do anything on our side. We consider her as "ohana". It has been our pleasure working with her and we hope to keep in touch in the years to come. Mahalo Karyn for all that you've done for us!

    Collin & Pam S.

  • Vincent did a great job, refinancing was very smooth. I was very satisfied with Vincent and I look forward to doing more business with him in the future!

    Michael N.

  • I am constantly impressed with Karyn Kaina's professionalism and positive attitude in walking us through the process. I highly recommend Karyn to everyone I know!!! Mahalo!

    Marty O.

  • Sherri was very professional in regard to explaining the terms and conditions of the contract. She broke down my options and monthly payments. We received excellent service from Sherri!

    Liang Y.

  • I’m very satisfied with the overall process. I’VE NEVER WORKED WITH ANYONE BETTER THAN VINCENT. CLONE HIM!

    Clifford M.

  • Sherri made the entire process very easy for me to follow and was always there to answer my questions. I will be recommending her to my friends and family!

    George H.

  • The service was excellent and processing was quick, that made me and my wife satisfied. All the questions that we had were answered so quickly. We will be recommending Jessica to our friends and family!

    Leonardo L.

  • Tony and Troy worked very hard to push this mortgage through. Between the complexity of our property situation, and the stringent qualifying hurdles in today’s refinance market, it was a serious struggle to succeed in getting finished. HME was there for us at every turn of events. I couldn't have made it without their tireless and cheerful efforts.

    Charlies R.

  • Excellent experience! Just provided documents and Steve did the rest. He was personal, honest, and competent.

    Antonio T.

  • Sean always made sure our questions were answered and addressed our concerns in a professional manner. He was very instrumental in helping us secure the loan and kept us updated at all times on the approval process.

    Theone T.

  • Katie Puzzuoli provided us with excellent service throughout the entire loan process. I am happy to refer her to my friends and family!

    Larry B.

  • Best and smooth refinance I’ve ever done. I highly recommend to all Veterans, families and friends who are doing or seeking to refinance. Sean did a great job in making sure that everything was perfect. I was able to see well at night.

    Hans T.

  • Tony always answered my questions quickly, clearly, and professionally and was there for me every step of the way in the refinancing process.

    Margi C.

  • Keith and his partners were extraordinary throughout our loan process. They were accessible, comfortable and very easy to work with.

    Rhoweniefel M.

  • Keith was very helpful, understanding, and patient with us. We will definitely recommend Keith to our family and friends!

    James S.

  • Sherri was so helpful in our whole buying process. She kept us updated and was quick to respond to any questions we had along the way. I am very satisfied with our experience working with Sherri.

    Shelly C.

  • Jordan was a professional all around. He returned our calls promptly, always kept in touch with us (even when there was a down time), always prompt when we had to meet with him, a very easy, friendly person to talk to, and he knew his "stuff" He was fantastic!!!

    Richard K.

  • Jordan was very hardworking and helpful in all phases of the loan process. I am very satisfied with my overall experience!

    Gary C.

  • When we finally got the VA to finance us, we thought we were finished with refinancing. Keith helped us to make our payment even lower than it was!

    Louis S.

  • George worked tirelessly for us. He went out of his way to assure docs got to us in an expedient manner, even meeting at locations that were conveniently close to my work place. He kept us in the loop always via phone, email and texts.

    Dale B.

  • Jordan provided excellent service to us. We will be recommending him to our friends and family!

    Melvin D.

  • Our experience with Mr. Pickett was a great one. His knowledge of the VA loan system is amazing and made us feel at ease during the entire process.

    Carlos D.

  • Brian made the whole process from start to finish very easy. He was always there to answer any questions I had. I was very happy with his service.

    Noa M.

  • I received excellent service from Jessica—she did a really good job!

    Gary D.

  • My financing needs were a little unusual in that I wanted to pay off my deceased husband’s loan with BOA, pay down the balance and finance the rest in a loan of my own. Jacob provided me with excellent service and I’m very satisfied with my experience!

    Lorell P.

  • I received excellent service from Jacob. We are very satisfied with our experience and will be recommending Jacob to our friends and family!

    Christy-Ann J.

  • Jacob was great and very serving. Jacob knew and understood the needs of my wife and me and did everything he could to make the purchase of our home happen.

    Bernard L.

  • The assistance that Jacob provided did not end when we first got the VA Loan to purchase our house. He contacted us when the mortgage interest was favorably low for us and we did not have to worry about all the paperwork. He took care of us and the process was very smooth. He's the consummate loan officer! Thanks, Jacob for helping us save some money again!

    Rebecca S.

  • George kept us updated and informed which we really appreciated! My sister and I were so very grateful that George remained with us and, especially, "educated" us on and thru the process. We feel, because of his example, HME is professional, reputable and a company we comfortably and confidently trust.

    Rochelle U.

  • Everything in this mortgage buying process with Jacob was excellent!! Jacob’s experience in this biz made everything for us as first-time home buyers go so smooth, we even closed early! I will definitely be recommending Jacob to my friends and family for future mortgage needs. Thank you very much Jacob Ordenstein and the rest of HME that made this happen, YOU GUYS ROCK!!!

    Henry C.

  • I am very satisfied with my experience working with Gerald. He provided excellent service and I will be recommending him to my friends and family members!

    Daniel L.

  • Gerald’s service was excellent. He provided me with daily updates and informed me of each step during the process. I will be recommending him to my friends and family!

    Sam C.

  • Gerald is an expert in his field. He is courteous, efficient, patient, professional and tenacious.

    Ann M.

  • I received excellent service from George! I will be recommending him to friends and family.

    Roland M.

  • My case was very complicated. Although I was awarded the house in my divorce settlement, my ex-husband refused to quitclaim the property to me so I had to take him back to court. As a result, my first appraisal and termite inspection expired. I was ready to give up many times because it felt like I would never be done. Tony encouraged me constantly and believed that we could get it done. I am very satisfied with my experience working with Tony. He provided excellent service!

    Debra W.

  • Dawn was friendly, personable, and flexible. I’m very satisfied with my experience working with Dawn!

    Adams A.

  • I am very satisfied with my loan officer, Dawn, and her team. They were very accommodating with our loan status and answers when asked. I will be recommending Dawn to my family and friends!

    Raymond D.

  • Ash Colter has assisted us with several home purchases as well as refinancing the mortgages; he has always been there for us without any hesitation. Ash goes above and beyond taking care of his clients. I will continue to have Ash handle my home purchase and highly recommend him to anybody getting ready to buy a home/property or refinance.

    Thomas H.

  • I was kept informed by Daniel and his team all the way through the process. I was provided with excellent service and will be recommending Daniel to my friends and family.

    Barbara B.

  • Dealing with a local agent like you really went fast and smooth. You did all the work and we only signed. No faxing. That was the fastest loan closing we ever experience and without any hassle compared to the other six we went through the mainland.

    Karen P.

  • Working with my loan advisor Joe for the past couple of years has significantly contributed to my family’s financial readiness and has always met our needs.

    Jorge V.

  • We received excellent service from Ash. This was a pleasant experience, working with you guys.

    William N.

  • Working with Brian has been a very great experience for my family and me. I live in California and for Brian to work with me to help our mom out has been amazing. I would recommend him and HME to anyone who may need a home loan or just a refinance. Brian was helpful in so many ways and I would not change it for anything. Mahalo Ka Kou Brian!

    Lucille B.

  • It always felt like Brian was on our side. He constantly had our best interest in mind throughout the process and provided excellent service!

    Lisa H.

  • Brant was excellent in handling our loan package and was a great pleasure to work with him. We will be recommending Brant to our friends and family! Much mahalo Brant!!

    Durwin T.

  • Ash's experience as a loan officer was obvious! He was efficient, succinct, and definitely had our best interest at heart. He made the process very easy and streamlined all of our involvement; minimizing the time it took us to complete loan application forms. He was ethical and was not at all resistant to the idea of our comparing of his product to that of a competitor. We highly recommend Ashley Colter and are confident that anyone who works with him will be similarly impressed.

    Bridget H.

  • We received excellent service from Anna. We will be recommending her to our friends and family!

    Kawailani T.

  • Ash was very helpful in explaining any questions that we had throughout the process. He additionally was very expedient and we believe provided us with solid expectations. We are very satisfied!

    Teresa M.

  • Ashley you’re the best! Very professional--thanks a lot for your help!

    Joseph S.

  • I am very satisfied with my experience working with George.

    Alvin P.

  • Ash Colter made refinancing my VA loan a painless experience. He quickly answered all my questions and assisted me in getting problems resolved with my former mortgage company. Ash is a true professional.

    Stoughton F.

  • Since contacting Mr. Colter, he explained the process to us and had made it simple and easy to accomplish with minimal time. The process took less time than estimated due to his efforts and our documentation completeness. He always informed us of the status every step of the way. Outstanding service and professionalism!

    Lawrence A.

  • Brant did a great job and kept us informed throughout the tough qualifying process. I would recommend him if you're in need of a new mortgage or refinancing.

    Nolan P.