Business Details
5 Years
experience
Your Trusted Mortgage Partner in Hawaii
At Makai Mortgage, we are dedicated to transforming the home financing experience in Hawaii through personalized service and deep local expertise. Since 2021, our team has specialized in crafting tailored mortgage solutions for residents and investors across Maui, Oahu, Kauai, and the Big Island. With access to over 20 loan programsincluding FHA, VA, Conventional, Portfolio, and specialized options like condotel and land financingwe ensure clients can navigate Hawaiis unique real estate market with confidence. Our commitment to transparency is evident in our upfront rate disclosures, no-hidden-cost policy, and streamlined digital processes that minimize paperwork while maximizing savings. Backed by a leadership team with decades of combined experience and a network of certified loan originators, we combine cutting-edge technology with community-focused service to deliver competitive rates and unwavering support.Recognized by top real estate agents for our responsiveness and industry-leading underwriting flexibility, we prioritize client education throughout every stage of the loan journey. Whether purchasing a primary residence, investment property, or refinancing existing mortgages, our clients benefit from our local market insights and dedication to simplifying complex transactions. We stand by our reputation as a trusted advisor, ensuring every decision aligns with the long-term financial goals of Hawaiis homebuyers and investors. Our 24/7 digital tools and weekday business hours reflect our commitment to accessibility without compromising personalized attention. By maintaining strict compliance with federal and state regulations, we uphold the highest standards of trustworthiness in an industry where reliability matters most.
Services
Mortgage Brokerage
FHA Loans
VA Loans
Conventional Loans
Portfolio Loans
Jumbo Loans
Condotel Financing
Land Loans
Refinancing
Non-QM Loans
Details
- Year established: 2021
Highlights and features
- We specialize in Hawaii's unique real estate financing, including condotel and non-warrantable condo loans.
- We offer access to 20+ loan programs, including jumbo, portfolio, and non-QM options.
- Our team includes experienced loan originators with NMLS certifications and local market knowledge.
- We provide transparent pricing with no hidden costs and competitive interest rates.
- We streamline the loan process with digital document submission and e-signature technology.
Services
Mortgage Brokerage
Makai Mortgage provides full-service mortgage brokerage tailored to Hawaiis real estate market. With expertise in warrantable and non-warrantable condo loans, condotels, and investment properties, we connect clients with 20+ loan programs. Our NMLS-certified originators offer personalized rate comparisons, digital document management, and transparent fee structures. We specialize in complex transactions requiring jumbo loans, asset depletion models, and non-qualified mortgages, serving first-time buyers to seasoned investors across all Hawaiian islands.
FHA Loans
Our FHA loan program enables homebuyers with lower down payments and flexible credit requirements to purchase properties in Hawaii. With options starting at 3.5% down and lenient underwriting standards, we assist first-time buyers and those with unique financial situations. Our team guides clients through HUD requirements, property eligibility checks, and streamlined refinancing options. Available for primary residences across Maui, Oahu, Kauai, and the Big Island, these loans combine affordability with competitive interest rates and reduced documentation burdens for qualified applicants.
VA Loans
Makai Mortgage offers VA-backed loans for eligible service members, veterans, and surviving spouses seeking Hawaii homes. These zero-down payment options include streamlined refinancing without appraisal requirements, even for underwater properties. Our specialists handle VA-specific compliance, entitlement verification, and certificate of eligibility processing. Available statewide, our VA loans feature competitive rates and no private mortgage insurance, supporting military families in achieving homeownership while navigating Hawaiis unique real estate regulations and island-specific property types.
Condotel Financing
We specialize in financing condotels and vacation rental properties across Hawaii, addressing the complexities mainland lenders often avoid. Our programs accommodate properties with transient use restrictions, HOA delinquency challenges, and litigation risks. By leveraging proprietary underwriting criteria, we provide loan solutions for non-warrantable projects and standard condotels. Clients benefit from our local market knowledge, including Hawaiis 6-month minimum rental rules and RR105C questionnaire navigation, ensuring smoother transactions for buyers investing in Kauai, Oahu, Maui, and Big Island hospitality properties.
Non-QM Loans
Our non-qualified mortgage programs cater to self-employed individuals and investors with unconventional income documentation. Featuring bank statement loans, asset depletion models, and debt-service coverage ratio (DSCR) calculations, these options bypass traditional W-2 requirements. Ideal for Hawaii real estate investors, foreign nationals, or those with complex portfolios, our non-QM solutions offer flexible qualifying criteria while maintaining compliance with state-specific lending laws. We provide tailored support for condotel acquisitions, land purchases, and portfolio expansion across all islands.
People
David Browne
Executive Mortgage Advisor
David Browne brings extensive local experience as a certified mortgage professional, specializing in Hawaii's complex real estate market. With NMLS #216574, he leverages deep lender relationships and product knowledge to deliver customized financing solutions for residents and investors.
Anne Diola
Mortgage Loan Originator
Anne Diola combines financial expertise with Hawaii-focused insight to guide clients through mortgage transactions. Certified under NMLS #1280334, she specializes in first-time homebuyer programs and investment property financing across the Hawaiian islands.
Steven Mangum
Managing Member
As Managing Member (NMLS #263952), Steven Mangum oversees Makai Mortgage's strategic operations and client service standards. His leadership emphasizes technological innovation and localized expertise, ensuring efficient mortgage processes for Hawaii's diverse property markets.
Questions
What loan programs does Makai Mortgage offer?
We provide FHA, VA, Conventional, Portfolio, Jumbo, Condotel, Land, Non-QM, and Hard Money loans with specialized options for Hawaii's real estate market.
Can I refinance my Hawaii mortgage without an appraisal?
Yes, we offer FHA and VA Streamline Refinances that waive appraisal requirements, even for underwater properties across all Hawaiian islands.
Do you finance non-warrantable condos in Hawaii?
Yes, our proprietary loan programs specifically address non-warrantable condos, including properties with short-term rental restrictions or HOA challenges.
How does the mortgage process work with Makai?
We streamline the process through digital document submission, pre-qualification, rate locking, and e-signature technology, guided by NMLS-certified specialists throughout your transaction.
What areas of Hawaii do you serve?
We operate statewide, including Maui, Oahu (Honolulu), Kauai, and the Big Island, with local expertise in each island's unique lending requirements.
Reviews (3)
Vasa White
Dec 30, 2021
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Anne diola was a dream to work with. After shopping around we found she had the lowest rates and even was able to waive the origination fee for us. Im horrible with computers so Anne made sure to text or call me anytime I needed to look in my email, which was super nice. She is also just a delight to work with, she is super nice and understanding and very good at explaining things so I can understand them. After using Anne at Makai I would never go anywhere else . Thank you Anne !!!
Mack Lll
Oct 31, 2021
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*DO NOT DO BUSINESS WITH THIS COMPANY SUPER SHADY PRACTICES ESPECIALLY FROM ANNE DIOLA*
My parents (who are low income) decided to reach out and work with Anne Diola to buy their first home. Anne insisted on having them submit an application. After submitting the application, completely GHOSTED by Anne. Probably because my parents are low income, but little did she know that I would have helped out with a 6-figure salary. She lost our business, but what's more dissapointing is how this company claims to help local families, but they (especially Anne Diola) is completely committed to supporing
My parents (who are low income) decided to reach out and work with Anne Diola to buy their first home. Anne insisted on having them submit an application. After submitting the application, completely GHOSTED by Anne. Probably because my parents are low income, but little did she know that I would have helped out with a 6-figure salary. She lost our business, but what's more dissapointing is how this company claims to help local families, but they (especially Anne Diola) is completely committed to supporing
Riley Swanson
Jul 24, 2021
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Positive:Professionalism,Responsiveness
We worked with Anne to purchase our house recently and had a wonderful experience! Everyone was very attentive to our needs and quick to respond. Would highly recommend for anyone on Maui!
We worked with Anne to purchase our house recently and had a wonderful experience! Everyone was very attentive to our needs and quick to respond. Would highly recommend for anyone on Maui!
