Empowering dreams through personalized mortgage solutions

Our mission is to diagnose your financial needs, prescribe the perfect mortgage solution, and provide the highest level of care and expertise in all your real estate needs.

At Loan Doctors Hawaii, we understand that obtaining a mortgage can be a complex and overwhelming process. That’s why we strive to simplify it for you. Our team of experienced professionals is here to guide you every step of the way, offering personalized assistance and expert advice to ensure you make informed decisions.

From first-time homebuyers to refinancing or investment property loans, we understand your unique goals and craft customized mortgage solutions to meet your needs. Trust our commitment to exceptional service, transparency, and integrity as we guide you every step of the way towards achieving all of your real estate dreams.

Leading the mortgage and lending industry in Hawaii for over 15 years, Thoai loves what she does.  After graduating with an MBA in Finance and a BA in Business-Economics & Accounting from UC Santa Barbara, Thoai began her career in commercial lending.  Fond of the real estate market, she joined the residential mortgage division and quickly became a top loan officer at a local bank.  She was awarded for being the #1 loan officer with the highest volume and number of units for 8 consecutive years!  With an array of experience, she can help her clients through almost any challenging situation.

Thoai is fluent in both English and Vietnamese.  She enjoys traveling, fishing, scuba diving and spending time with her family in Hawaii.

Loan Doctors Hawaii lends throughout Hawaii, California, Texas, and Nevada.


Our Process Made Easy and Simple


Provide basic financial information to see your qualification


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Complete application and provide detailed financial documentation


Underwriting & Approval

Our underwriting team will review the application, verify financial information, creditworthiness, and property appraisal to determine loan approval based on their criteria and conditions.



Welcome to your new home!