The first step of the home buying process usually begins with meeting with a mortgage professional to develop your financial game plan and getting pre-approved for a mortgage. Many times, if you are on the mainland, you can ask family and friends who they could refer you to. However, if you are buying a home or land on Hawaii Island, you most likely don’t know who to call or trust. LUVA Real Estate is making that part of your home buying process much easier by recommending a few local mortgage professionals who have many years of experience helping home buyers weave their way through the process, which has many “only in Hawaii” aspects to it. Here are three mortgage pros whom LUVA Real Estate agents have had great success with, however as always LUVA recommends doing your due diligence to determine what lender might be the best fit for your particular situation.
Ron Sato, Point Financial
Ron Sato has been in the mortgage business for 40 years, making him the most experienced mortgage professional on the Big Island of Hawaii. Ron created Point Financial in 1999 to offer his expertise and passion for helping people buy homes, investment properties and land in West Hawaii. “I really enjoy working with first time home buyers. I like watching families grow and have had second generation clients obtain mortgages to buy their first homes,” Ron states. “My expertise is seeing “red flags” that will delay or halt a mortgage application, costing my clients time during the real estate transaction. With my experience in working with every kind of home loan program in the State of Hawaii, I know which programs work best for my clients based on their individual needs”.
Susan Gordon has worked in the mortgage lending industry for over 15 years and is one of the top lending experts in West Hawaii. She has helped hundreds of local and mainland home buyers find loans that are smart and work for her clients. She is also very familiar with a variety of purchase programs which can help first time buyers. Susan embodies the Aloha spirit and is a true emissary for Hawaii.Susan.email@example.com 808.938.4664 https://www.pmrloans.com/loan-officer/susan-gordon/
Ronnie Strickler entered the mortgage industry after gaining experience of area real estate, by flipping houses. She has personally closed over 25 deals as a homebuyer, is a Certified Renovation Loan Specialist, and has many years of experience facilitating construction while house flipping. With 22 years in the mortgage industry, Ronnie is able to see every angle from the buyer and a mortgage loan originator perspective, according to her website. Ronnie owned her own mortgage brokerage called Strickly Mortgages, Inc., for nearly 13 years.
Ronnie was recommended by LUVA Real Estate agent Sara. Ronnie helped Sara obtain a loan on her new principal residence, which she was able to do while keeping her first home and converting it to an investment rental property. “We thought there was no way we could qualify for two homes.” Sara was able to turn her first home into a rental and buy a new primary residence, something that is difficult to do in today’s tight lending climate. “Ronnie does the entire mortgage process through the an online portal which made it seamless. And Ronnie herself is very realistic in her timelines and advice which we appreciated very much”, Sara stated.