Karyn Kaina
Loan Specialist
(808) 394-0359

My loan specialist, Karyn Kaina, was very helpful, professional, and knowledgeable. I am so grateful to have met and worked with Ms. Kaina and her team through my mortgage loan experience.

Lydia K.

Outstanding customer service! Helpful and professional every step of the way.

Karyn and I met and discussed about Hawaii Mortgage Experts and what she will do to help to bring my mortgage payment down, she walked me through on what the steps I need to do and what documents she needs to process the new mortgage loan. Karyn and her team did a great job and worked quickly in getting the new mortgage approved. I will recommend my family and friends to contact Karyn at HME, Karyn is currently processing my Mother and Brother’s mortgage payment. Thank you Karyn and to the HME team.

Arthur Q.

From beginning till the end Karyn has done an outstanding job. She was very helpful and very informative.

Gina C.

Karen Kaina did a super excellent job in helping us refinance to a VA mortgage. From the beginning, she explained everything clearly to include the paperwork process and what steps in the refinancing process to expect. Karen continually made follow-up calls to keep us in the loop and let us know the status of the refinancing up to the point it closed. The process was easier than expected and very quick. Mahalo Karen!

Frederick D.

Karyn did a great job! She goes above and beyond to make the process easy and got me a great rate.

Hamana L.

I am deaf. Karyn was willing to accommodate me by text messaging and e-mail, you can check for yourself, but I’ll tell you so you heard it from me first, finding someone who is willing to do what she did is like finding the needle in the haystack. Thanks Karyn!

Walter K.

We were denied mortgages twice, when applying for conventional qualified mortgages at two large national companies, although initial approval commitments were provided on each loan, while going through the process. Both Lenders noted our debt ratio exceeded approval authority. You can imagine, how hesitant and skeptical I was when Karyn contacted me, thinking oh my gosh another come on! Her persistency and guidance has finally accomplished what we initially wanted to do, lower our monthly outgo. Thanks to Karyn and HME I truly feel we are in a better financial capacity. In appreciation.

Robert K.

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

Natalie R.

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.

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.

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.

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.

NMLS: 352139

Whether you’re refinancing a mortgage or buying property for the first time, you deserve a smooth, respectful and personable experience. My focus is to help each of my clients achieve their financial goals.  Market conditions and mortgage programs change frequently and I’m passionate and dedicated to providing you with quick and honest financial advice. I will ensure that you have a thorough understanding of the mortgage process and I would love to answer all of your questions along the way. Please contact me anytime by phone, fax, or e-mail for an authentic mortgage experience and expert advice.