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Home loans for all Hawaiian islands


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 starting at zero  down payment. There are so many new mortgage options, we will explain the differences so you get the best loan to suit your needs.

Vacation Home


tIf 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 that'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.

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Douglas Mallardi (NMLS 1612621)

I optimize buyers purchase power for primary, second and investment real estate ownership on all Hawaiian islands.

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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


Monday - Friday: 9am - 5pm

Weekends: By appointment


Debt consolidation and home improvement loans up to $35,000 available through RocketLoans. GET STARTED!

Secure Your Future with real estate ownership

It's time for you to own your home!

first time home buyers

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

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.

I'm here for you!

Doug Mallardi, Big Island Mortgages, mortgages for all islands

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. 


Government Backed Mortgages


Home buyers have access to USDA, FHA and VA loans between zero down to 3.5% down payment. Government backed loans provide lower mortgage insurance and interest rates. Ask which program is best for you.

Intrepid Investor


Once you're past your first few investment properties and are ready to ramp up your portfolio, we will cross collateralize to purchase additional investment properties without interrupting your personal finances.

Conventional Mortgages


Conventional mortgages have evolved! 23 year fixed? 7/1 ARM, 3% down? 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.

HECM Reverse Mortgages


Draw money from your home for regular living expenses, large draws or incidental purchases. You pay taxes and insurance, your home pays you. When your home eventually sells your debts are paid and your family receives the net proceeds.

Self Employed Business Owners


Business owners with non-W2 income can use 12-month or 24-month bank statements for a new mortgage or a refinance. Achieve your goals with an adjustable rate mortgage using your personal or business bank deposit.


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

Privacy Policy


We collect only the minimum amount of personally identifiable information (PII) we need, strictly for advancing the purposes of your transaction. We do not share your personal information with anyone outside your transaction.

Before we collect PII we tell you what we are collecting, why we are collecting it, and how we are going to use it. We work to ensure that the PII we have about you is accurate, relevant, timely, and complete.