I have been a lead home mortgage originator in Hawaii for the past 18 years. I graduated with a BA degree in Film/Television production from Columbia College in Los Angeles. I spent 12 years working with Universal Studios, Propaganda Films and various other production companies in Los Angeles before opening my own post-production company, US 2 Editorial, in 1993. During my career I worked on many high-profile projects including: Feature Films: E.T., Back to the Future, Fast Times at Ridgemont High, and The Breakfast Club Music Videos: Michael Jackson, Madonna, Sade, Barbara Streisand and Bon Jovi -Commercials: Pepsi, Nike, Ford Motors, Reebok, Toyota, Coke and Apple Computers In 1999, I relocated to Hawaii to pursue a better quality of life. I had spent almost 20 years in the entertainment business, and it was time to take count of what was important to me for the next 20 plus years, and Hawaii was the answer. I was hired as a home mortgage consultant with a national bank in July 2001. In my first year in the business, I was ranked one of the top ten originators in the state and in 2005, I moved into the Private Banking division, where in addition to originating, I was trained as a Level 1 Underwriter. This additional industry skill has propelled me to consistently rank in the top 10 percent, nationwide from 2005 to 2013, for sales volume funding and customer service loyalty. With more than 18 years in the business, I have extensive experience with all loan types, including conventional, government and commercial programs. The highest compliment I can receive is a referral. My priority is to have satisfied clients for life, and I will do everything possible to ensure everyone is provided with a high level of service throughout their transaction. If I do a great job for them, they will refer their friends and family, which is the highest compliment I can ever receive.

SVP of Mortgage Lending

D.J. Dole is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, D.J. is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact D.J. at (808) 375-1783 for more information!

D.J. Dole at Guaranteed Rate (NMLS #716937)

With over three decades in mortgage lending, including origination, management, ownership & underwriting, Tim has the knowledge & experience to navigate the most challenging transactions, including Conventional, FHA, VA & Jumbo financing.   Tim enjoys developing strong real estate agent/client relationships & offering ‘out of the box’ thinking in mortgage solutions for individuals purchasing primary residences, second homes or investment property. He also specializes in ‘partnering’ with developers and their sales staff in implementing strategic plans for new development projects.

Sales Manager/VP of Mortgage Lending

Tim O'Leary is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Tim is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tim at (808) 227-1199 for more information!

Tim O'Leary at Guaranteed Rate (NMLS #316266)

I have been originating loans since 2001. I am an expert in all home\-loan types including Conventional, Jumbo, VA, FHA, USDA. I specialize in Jumbo Financing and higher balance VA loans in California, Nevada, Oregon, and Hawaii. I am an expert on all of the many Jumbo loan products and can help sophisticated buyers get the loan option that is best for their situation.


Since 2001 I have been helping Veterans and their families take advantage of their VA home loan benefit. As a proud partners of the USO\* to help increase Veteran Home Ownership, Guaranteed Rate has waived our lender fee for all VA loans through the end of 2022\*\*


I will always make sure my customers understand all their options and always be available by phone, email and text to answer your home financing questions.


With the low housing inventory, I encourage all buyers to take advantage of GR's PowerBid Approval. This program aims to get you to a full\-underwriting credit approval BEFORE you shop. This allow us to show sellers that you are serious as a buyer and in position for a faster closing… you can even compete with cash buyers. Please apply now to get started or contact me for details.


* \*United Service Organizations, Inc. (USO) is a non\-profit 501(ϲ)(3) organization (EIN/Tax ID: 13\-1610451) and not part of the Department of Defense (DoD). \*\* Waived $1440lender fee available for VA loans that have a triggered RESPA app date as of January 1, 2022 through December 31, 2022 at 11:59pm EST\*. This offer does not extend to Housing Finance Agency loans. 'Triggered RESPA' in accordance with Regulation X, is defined as lender receipt of all six pieces of information received in a secure format; applicant name, property address, home value, loan amount, income and SSN. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Offer not available from any d/b/a or operations that do not operate under the Guaranteed Rate name. Restrictions apply. \*\*\*\*\*PowerBid Approval (the "Approval") is contingent upon receipt of executed sales contract, an acceptable appraisal supporting value, valid hazard insurance policy, and a re\-review of your financial condition. Guaranteed Rate, Inc. reserves the right to revoke this Approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation and/or if any information contained your application is untrue, incomplete or inaccurate. Receipt of an application does not represent an approval for financing or interest rate guarantee. Not all applicants will be approved for financing. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.\*Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

VP of Mortgage Lending

Steven Penske is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Steven is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Steven at (808) 339-3927 for more information!

Steven Penske at Guaranteed Rate (NMLS #379410)

As your trusted Guaranteed Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Joy Skorge is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Joy is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joy at (808) 650-2151 for more information!

Joy Skorge at Guaranteed Rate (NMLS #310887)

Aloha! I'm your go\-to mortgage lending buddy with a decade\-long track record of helping families make their homeownership dreams a reality. As someone who was born and raised in Hawaii, I have a deep connection to the islands and am enthusiastic about showing my fellow islanders that owning a home in paradise is not only possible, but also a delightful experience.


Everyone's journey is unique, and I genuinely enjoy guiding families through customized solutions that fit their needs. There's nothing quite like the feeling of accomplishment and relief as they check off this major life milestone. Our team's dedication to speed and efficiency means you'll benefit from same\-day preapprovals as well as same\-day, fully underwritten approvals once in escrow, making the entire process a breeze.


But our partnership goes beyond just sealing the deal. I'll be your long\-term mortgage companion, keeping an eye on your investment and looking for ways to minimize your payments and tap into your home equity to achieve other goals, like home renovations or debt reduction.


With me on your team, you'll feel like you have a friend in the business, guiding you through options and helping you make informed decisions every step of the way. When I'm not working my mortgage magic, you can find me spending quality time with my family, leveling up in video games with my better half, or indulging in a scrumptious bowl of curry.


So let's tackle this exciting journey together – with a mix of confidence, swiftness, and simplification, we'll make your dream of island homeownership come true!

Justin Enos is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Justin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Justin at (808) 294-7900 for more information!

Justin Enos at Guaranteed Rate (NMLS #1147361)

Tana was born into a military family & lived in many different states. Moved to Hawaii in 1985 and never left. Graduated from University of Hawaii with a finance degree. Worked as a commercial appraiser for 4 years. Then 3 years as in-house residential appraiser for First Hawaiian Bank. Married with 2 children who have graduated from college. I have been in the mortgage business for 19 years. My mission is to help realtors and buyers reach their homeowner and investor goals with ease.

SVP of Mortgage Lending/Renovation Specialist

Tana Feeley is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Tana is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tana at (808) 650-2200 for more information!

Tana Feeley at Guaranteed Rate (NMLS #316243)

I was born and raised in Hawaii and grew up in Palolo Valley. My high school alma mater is Kaimuki and I graduated from the University of Hawaii with a degree in Mathematics. I have been in the mortgage industry for over 23 years. When not working I enjoy time with family, traveling, and playing tennis.

Leonard Loventhal is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Leonard is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Leonard at (808) 650-2146 for more information!

Leonard Loventhal at Guaranteed Rate (NMLS #318109)

Kinnie Lang brings two decades of mortgage experience to Guaranteed Rate. She is dedicated to facilitating her clients in achieving their dreams of becoming homeowners. Her success in the mortgage business is her personal dedication to her clients and ensuring each loan is seen through to closing.  In 2000, Kinnie began her mortgage career in San Diego, CA where she worked for various title/escrow companies and financial institutions and eventually began running her own mortgage loan processing company.   In 2010, Kinnie’s husband received orders from the U.S. Navy to Hawaii. Thus, beginning her career in Hawaii at a bank. Most recently, she was Vice President and Executive Loan officer. As a top producer, she achieved many accolades to include Chairman Circle and being voted Honolulu Magazine’s “Best In Real Estate” for 2013, 2014, 2018 and 2019.  In her spare time, you can find Kinnie at the beach spending time with her husband, son and two golden retrievers.  Moto to live by: “Nothing is impossible; the word itself says ‘I’m possible’!” – Audrey Hepburn

Kinnie Lang is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Kinnie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kinnie at (808) 460-7970 for more information!

Kinnie Lang at Guaranteed Rate (NMLS #422217)

Nick Adey is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Nick is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nick at (808) 304-3283 for more information!

Nick Adey at Guaranteed Rate (NMLS #836894)

Kriztofer Laborete is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Kriztofer is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kriztofer at (808) 650-2159 for more information!

Kriztofer Laborete at Guaranteed Rate (NMLS #894546)

**As your trusted Guaranteed Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.**

Ross Asato is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Ross is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ross at (808) 650-2155 for more information!

Ross Asato at Guaranteed Rate (NMLS #2096626)

I have been involved in mortgage industry for over 20 years. Before returning to Hawaii in 2016, I worked in Asia including Singapore, Malaysia, Hong Kong and Korea. I currently live in Honolulu with my wife, MJ, and daughter, Leah.



As your trusted Guaranteed Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Gene Oak is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Gene is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Gene at (808) 657-6922 for more information!

Gene Oak at Guaranteed Rate (NMLS #1587427)

Justin Guedon is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Justin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Justin at (808) 379-3941 for more information!

Justin Guedon at Guaranteed Rate (NMLS #1466415)

Over 20 years of lending/mortgage experience and have expertise in all aspects of mortgage lending; first time homebuyers, investors, VA, FHA, jumbo and conforming. In my spare time I am an avid pickleball player and enjoy swimming, biking and being outdoors.

Merilee Hendrickson-Flores is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Merilee is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Merilee at (808) 466-3305 for more information!

Merilee Hendrickson-Flores at Guaranteed Rate (NMLS #609911)

AVP of Mortgage Lending

Cheryl Goto is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Cheryl is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Cheryl at (808) 450-3970 for more information!

Cheryl Goto at Guaranteed Rate (NMLS #1538470)

Producing Sales Manager/VP of Mortgage Lending

Zelda Medina is your Honolulu local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Zelda is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Zelda at (808) 650-2194 for more information!

Zelda Medina at Guaranteed Rate (NMLS #316261)

Honolulu

<section class="footer" style>
    <div class="footer__topDivider">
        <div class="footer__linkpacK">
            <div class="footer__linkpack__column">
                <p><strong>Manage your mortgage</strong></p>
                <ul>
                    <li><a title="footer: sign into your account" href="https://login.guaranteedrate.com/" data-track="mortgageFooterNav-signin" rel="nofollow" target="_self">Sign in to your account</a></li>
                    <li><a title="footer: pay your mortgage" href="/servicing" data-track="mortgageFooterNav-pay-mortgage" rel="nofollow" target="_self">Pay your mortgage</a></li>
                    <li><a title="footer: contact us" href="/contact-us" data-track="guaranteedrateFooterNav-contact-us" rel="nofollow" target="_self">Contact us</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>About us</strong></p>
                <ul>
                    <li><a title="footer: about guaranteed rate" href="https://www.rate.com/about-us" data-track="guaranteedrateFooterNav-about-us" rel="nofollow" target="_self">Overview</a></li>
                    <li><a title="footer: our core values" href="https://www.rate.com/about-us/core-values" data-track="guaranteedrateFooterNav-corevalues" rel="nofollow" target="_self">Core values</a></li>
                    <li><a title="footer: leadership" href="https://www.rate.com/about-us/leadership" data-track="guaranteedrateFooterNav-leadership" rel="nofollow" target="_self">Leadership</a></li>
                    <li><a title="footer: press" href="https://www.rate.com/news" data-track="guaranteedrateFooterNav-press" rel="nofollow" target="_self">Press</a></li>
                    <li><a title="footer: Our Foundation" href="https://www.rate.com/about-us/gr-foundation" data-track="guaranteedrateFooterNav-foundation" rel="nofollow" target="_self">Our Foundation</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Careers</strong></p>
                <ul>
                    <li><a title="footer: loan officer careers" href="https://www.rate.com/careers/loan-officers" data-track="guaranteedrateFooterNav-loan-officers" rel="nofollow" target="_self">Loan officers</a></li>
                    <li><a title="footer: careers at GR operations" href="https://www.rate.com/careers/operations" data-track="guaranteedrateFooterNav-operations" rel="nofollow" target="_self">Operations</a></li>
                    <li><a title="footer: careers at GR tech" href="https://www.rate.com/careers/gr-tech" data-track="loantypesFooterNav-gr-tech" rel="nofollow" target="_self">Tech</a></li>
                    <li>
                        <a title="footer: all open positions at guaranteed rate" href="https://www.rate.com/careers/open-positions" data-track="guaranteedrateFooterNav-all-open-positions" rel="nofollow" target="_self">All open positions</a>
                    </li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Websites</strong></p>
                <ul>
                    <li><a title="footer: GR insurance" href="https://www.guaranteedrateinsurance.com/" data-track="guaranteedrateFooterNav-Insurance" target="_blank">Guaranteed Rate Insurance</a></li>
                    <li><a title="footer: advocus title" href="https://advocustitle.com/" data-track="guaranteedrateFooterNav-Advocus-Title" target="_blank">Advocus Title</a></li>
                    <li><a title="footer: agent advantage" href="https://agents.rate.com/" data-track="guaranteedrateFooterNav-Agent-Advantage" target="_blank">Agent Advantage</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Connect with us</strong></p>
                <p>
                    <a class="footer__linkpack__social" aria-label="social-youtube" href="https://www.youtube.com/channel/UCc4dTfT3Eh1lU59jjsp4EuQ">[[[font_icon:blt859a2efb11933a2a]]]</a> <a class="footer__linkpack__social" aria-label="social-instagram" href="https://www.instagram.com/guaranteedrate/">[[[font_icon:blta870b681e52d65d1]]]</a> <a class="footer__linkpack__social" aria-label="social-linkedin" href="https://www.linkedin.com/company/guaranteed-rate">[[[font_icon:blt57fe6bab12809053]]]</a> <a class="footer__linkpack__social" aria-label="social-twitter" href="https://twitter.com/guaranteedrate">[[[font_icon:bltea72d7b40e877130]]]</a> <a class="footer__linkpack__social" aria-label="social-facebook" href="https://www.facebook.com/guaranteedRate">[[[font_icon:blt682069442c75fc67]]]</a>
                </p>
            </div>
        </div>
        <div class="footer__griLinks">
            <div class="footer__grLinks__links">
                <p>
                    <a title="footer: accessibility" href="https://www.rate.com/accessibility" data-track="footerFullWidthMenu1-accessibility" rel="nofollow" target="_self">Accessibility</a> |
                    <a title="footer: licensing" href="https://www.rate.com/licensing" data-track="footerFullWidthMenu1-licensing" rel="nofollow" target="_self">Licensing</a> |
                    <a title="footer: notice to vendors" href="https://www.rate.com/notice-to-vendor" data-track="footerFullWidthMenu1-notice-to-vendors" rel="nofollow" target="_self">Notice to Vendors</a> |
                    <a title="footer: privacy policies" href="https://www.rate.com/privacy" data-track="footerFullWidthMenu1-privacy-policies" rel="nofollow" target="_self">Privacy Policies</a> |
                    <a title="footer: sms terms " href="https://www.rate.com/sms-terms" data-track="footerFullWidthMenu1-sms-terms" rel="nofollow" target="_self">SMS Terms</a> |
                    <a title="footer: terms of use" href="https://www.rate.com/terms" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">Terms of Use</a> |
<a title="footer: DNC" href="https://dih4lvql8rjzt.cloudfront.net/cms/aef46f19-6a80-4a9d-8d50-e4d06e89b8a1_GR-DNC-Consumer-Policy.pdf" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">DNC</a> |
                    <a title="footer: nmls consumer access" href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611" data-track="footerFullWidthMenu1-nmls-consumer-access" rel="nofollow" target="_self">
                        NMLS Consumer Access
                    </a>
                </p>
            </div>
            <div class="footer__grLinks__logo">
                <p>
                    <a href="/">
                        <img
                            alt="Guaranteed Rate Logo"
                            data-src="https://s3.amazonaws.com/grate-cms/3fe9b590-ed40-4d75-9a71-08f318e027f5_gr-2color.svg"
                            src="https://s3.amazonaws.com/grate-cms/3fe9b590-ed40-4d75-9a71-08f318e027f5_gr-2color.svg"
                            width="155"
                        />
                    </a>
                </p>
            </div>
        </div>
        <div class="footer__disclaimerLinks">
            <p>
                <a href="https://www.rate.com/delaware-licensed-loan-officers" data-track="footerFullwidthMenu2-delaware-licensed" target="_self">Delaware Licensed Loan Officers</a> |
                <a href="https://www.rate.com/texas-consumers-how-to-file-complaint" data-track="footerFullwidthMenu2-texas-consumers" target="_self">Texas Consumers: How to file a complaint</a> |
                <a href="https://privacyportal-cdn.onetrust.com/dsarwebform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029.html" data-track="footerFullwidthMenu2-do-not-sell" target="_self">
                    Do not sell my personal information
                </a>
            </p>
            <p class="footer__disclaimerText">
                Please note that applications, legal disclosures, documents or other material related to Guaranteed Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the
                convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
            </p>
        </div>
        <div class="footer__housinglogo">
            <p>
                <img
                    alt="Equal Housing Lender Badge"
                    data-src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    width="136"
                    height="29"
                    style="width: 136px; height: 29px;"
                />
            </p>
        </div>
        <div class="footer__grInfo">
            <p>
                © 2023 Guaranteed Rate, Inc. All rights reserved.<br />
                NMLS License #2611 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
Arizona Mortgage Banker License #0907078<br />
                3940 N. Ravenswood Ave Chicago, IL 60613 The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
            </p>
        </div>
    </div>
</section>


16 Loan Officers in Honolulu, HI