We understand that applying for a mortgage in Hawaii can feel overwhelming. That’s why our local team focuses on simplifying every step—from application to approval. Whether you’re a first-time homebuyer in Honolulu, looking to refinance in Pearl City or Mililani, or exploring investment property loans in Waikiki, Kapolei, or Kailua, we deliver competitive programs and a smooth, stress-free lending experience.

With personalized mortgage strategies, transparent communication, and in-depth knowledge of Hawaii’s real estate and lending market, we help you make confident, informed financial decisions. Our goal is to turn your homeownership and real estate investment dreams into reality.

With over 20 years of experience leading the mortgage and lending industry in Hawaii, Thoai Pham brings unmatched expertise to clients throughout Honolulu, Oahu, Maui, and neighboring islands—and now to clients throughout multiple mainland states. After earning her MBA in Finance and BA in Business Economics & Accounting from UC Santa Barbara, Thoai began her career in commercial lending before discovering her passion for residential mortgages.

She quickly became one of Hawaii’s top-producing loan officers, recognized as the #1 loan officer in total loan volume and units funded for eight consecutive years. Her extensive knowledge allows her to assist with complex loan scenarios, including jumbo loans in Honolulu, investment property financing on Maui, VA loans for military families near Pearl Harbor, and second-home purchases across the Hawaiian Islands.

Outside of work, Thoai enjoys traveling, fishing, scuba diving, and spending quality time with her family in Hawaii. She is fluent in both English and Vietnamese, allowing her to serve a diverse range of clients with clarity and confidence.