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Get a new mortgage
Get a better mortgage

Home loans for all Hawaiian islands

Secure Your Family's Future

first time home buyers

It's time for you to own your home!

Imagine coming home each night and knowing that this is YOUR HOME! Less than half of all families in Hawaii own their homes. That means they are paying rent month after month, year after year with no equity and no stability. It's time to do what's best for your family's future. I am here to help finance your home with a new mortgage. Take charge, get pre-qualified now and purchase your new home. 

hawaii mortgages Kauai Lanai Oahu Honolulu Big Island Maui Hilo Kailua Kona Kihei Molokai

YES.....YOU CAN!

Sometimes the people closest to us are the ones that will tell you "you can't buy a home". But, the odds are that you can! I will show you the path to owning your own home. We will talk about what type of home you want, where you are looking and questions you may have about getting pre-qualified. I will answer questions about loan programs, down payments and more. 


If English isn't your primary language, click the 'world' button at the top right corner of this page for translation options.

Doug Mallardi, Big Island Mortgages, mortgages for all islands

I'm here for you!

Since 2006 my family rented several houses in Kona only to be faced with rising rents, pet/animal restrictions, aging appliances, and...two houses sold right out from under our feet! We didn't think we'd ever be able to buy a home in Hawaii. However, in 2015 with perseverance  we did. The experience was so enlightening to me, that I decided I want to help others do the same. I am a licensed mortgage loan originator in the State of Hawaii. Visit me at Trusted Home Loans. You have me as a resource, I am here to help your family buy your home and secure your future. 

Let's Talk Story

Got a question?

Douglas Mallardi (NMLS 1612621)

I help my Hawaii Island friends and neighbors secure their futures by providing mortgages to purchase their homes. 

Read My 5 Star Zillow Reviews

Browse Latest Issue of Homes & Land of Hawaii

Trusted Home Loans (NMLS 1599951)

75-167 Kalani Street, #200 Kailua Kona HI 96740

office (808) 657-0188
email: doug@trustedhomeloanshi.com
fax: (808) 657-0181

Hours

Monday - Friday: 9am - 5pm

Weekends: By appointment

APPLY SECURELY ONLINE


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MORTGAGES FOR ALL BUYERS

Primary Residence

Buying your primary residence? If this is your first home ever or its your first home in three years, there are several loan types available ranging from zero to 5% down payment options. There are income and property conditions that we will explain so you get the best loan to suit your needs.

Vacation Home

If you already own your primary residence and you're wanting a vacation home, you have access to 10% down payment for US Citizens and 35% down payment for Foreign Nationals. Vacation homes are not intended for rental income, so if you're planning an Air B&B it's an investment property loan.

Investment Property

Hawaii may be the hottest real estate market in the United States and it's known worldwide. Investing in  short-term rental and long term rental property can create lifetime cashflow. With 20% down payment we can provide financing for condos, houses, multi-unit, plus hotels and mixed use.

ALL TYPES OF MORTGAGES

Government Backed Mortgages

Home buyers have access to USDA, FHA and VA loans between zero down to 5% down payment. Government backed loans provide lower mortgage insurance and interest rates. Ask which program is best for you.

Conventional Mortgages

Conventional mortgages have evolved! 23 year fixed? 7/1 ARM? The choice is yours! Primary residence, second home or investment properties, conventional mortgage help you get the home loan you need.

Refinance, Renovate or...Both!

Rate and term refinance lowers your existing payment making life easier. Cash-out refinance consolidates multiple debts into one mortgage payment. Add a pool or new kitchen with a renovation refinance.

Bank Statement Mortgages

Non-traditional income can translate to a 12-month or 24-month bank statement mortgage. Get the home you want now with an adjustable rate mortgage using just your personal or business bank deposits

DID YOU KNOW?

You Can Pay Off Credit Card Debt Faster and Save

RocketLoans, a division on Quicken Loans provides instant access for credit home improvements, debt consolidation, business and personal loans are available online today and in your bank tomorrow. Learn More.

We offer 10% down JUMBO loans

Jumbo loans multi million dollars

10% down payment on home purchases $1 million to $4 million so you can enjoy your dream home without liquidating your investments.

We are an equal housing lender

equal housing opportunity lender

We provide equal access to our services without any discrimination based upon age, race, religion, country of origin or marital status.

We finance international buyers

foreign national international investors

International buyers can finance their purchase with streamlined credit and documentation to facilitate long distance investments