NMLS: 1947151
Many borrowers don't fit into traditional lending guidelines and that's where I can help.
Whether you're a real estate investor, self-employed business owner, homeowner looking to leverage your equity, or an overseas buyer interested in purchasing property in Hawaii, I specialize in finding financing solutions that traditional banks often cannot offer.
As a Mortgage Consultant with Hawaii Mortgage Group, I have access to a wide network of lending partners, allowing me to compare multiple loan programs and help clients secure financing tailored to their unique goals.
I believe mortgages should be a strategy, not just a transaction. My goal is to simplify the lending process, explain your options clearly, and help you make confident financial decisions.
I am fluent in both English and Japanese and proudly assist clients throughout Hawaii as well as international buyers purchasing Hawaii real estate.
Want to purchase an investment property without using your personal income?
DSCR (Debt Service Coverage Ratio) loans qualify based primarily on the property's rental income instead of your tax returns or W-2 income. These programs are ideal for investors looking to expand their portfolio, purchase short-term rentals where eligible, or finance properties under an LLC.
Whether you're buying your first investment property or your tenth, I'll help you explore the financing options available.
Traditional mortgage guidelines don't always reflect the true income of business owners.
If you're self-employed, a 1099 contractor, or own your own business, a Bank Statement Loan may allow you to qualify using your business or personal bank deposits instead of tax returns.
This can be an excellent solution for entrepreneurs whose taxable income is reduced through legitimate business deductions.
Your home equity can be one of your most valuable financial tools.
Whether you're planning a renovation, purchasing another property, consolidating debt, covering business expenses, or simply establishing a financial safety net, a Home Equity Line of Credit (HELOC) offers flexible access to your equity while allowing you to keep your existing first mortgage intact.
I'll help you determine whether a HELOC, second mortgage, or cash-out refinance is the best fit for your goals.
Purchasing property in Hawaii while living overseas is absolutely possible.
I regularly assist international buyers, including many clients from Japan, with financing options designed specifically for foreign nationals.
From documentation requirements to closing logistics, I'll guide you through each step and make the process as smooth as possible.
English and Japanese assistance available.
Every borrower has a different story, and every loan should be built around your financial goals.
Whether you're investing, growing your business, accessing your home's equity, or purchasing property from overseas, I'd love the opportunity to help you explore your financing options.
Let's connect and build a strategy that works for you.
Home Loan Consultant
Hawaii Mortgage Group LLC | NMLS: 1947151
