Ohana Mortgage Solutions

Business Details

Your Trusted Mortgage Partner in Kapolei, HI

At Ohana Mortgage Solutions, we pride ourselves on delivering personalized mortgage solutions tailored to meet the unique needs of each client. With over a decade of experience in the industry, our team combines deep expertise with a client-first approach to navigate the complexities of home financing. We specialize in mortgage loans, refinancing, and pre-approval services, ensuring transparency and integrity throughout the process. Our commitment to excellence is reflected in our track record of satisfied clients who praise our responsiveness, competitive rates, and ability to simplify the mortgage journey.

Whether you're a first-time homebuyer or seeking to refinance, we provide the guidance and support needed to achieve your financial goals. Our dedication to continuous learning and adaptability ensures we stay ahead of industry trends, offering innovative solutions that align with evolving market conditions. By prioritizing clear communication and personalized service, we aim to make every transaction a positive and empowering experience.

Services

Mortgage Loans Refinance Options Home Purchase Loans Pre-Approval Letters Reverse Mortgages Debt Consolidation Loans

Details

Year established: 2025

Highlights and features

We offer over 10 years of mortgage industry experience with personalized service.
Our team provides 24/7 availability for urgent client inquiries.
We guarantee competitive mortgage rates backed by client testimonials.
Our process includes transparent fee breakdowns and no hidden costs.
We specialize in tailored loan programs for first-time homebuyers.

Associations and certifications

NMLS #1975601

What people say

Terrific to work with Changed my financial pathway Amazing interest rate Answered calls day and night Genuinely wanted the best options

Website

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Services

Mortgage Loans

We offer a comprehensive range of mortgage loan options tailored to individual financial situations. Our services include fixed-rate, adjustable-rate, FHA, VA, and jumbo loans. With personalized guidance, we help clients secure financing that aligns with their long-term goals while ensuring transparency throughout the application process.

Refinance Options

Our refinancing solutions help homeowners reduce monthly payments, shorten loan terms, or access equity. We analyze current market conditions to identify optimal refinancing opportunities. Clients benefit from our expertise in navigating complex loan structures while maintaining clear communication about potential savings and associated costs.

Pre-Approval Letters

We provide detailed pre-approval letters that strengthen homebuyers' negotiating positions. This service includes thorough financial assessments to determine affordable price ranges. Our process streamlines home searches by clarifying budget parameters while demonstrating buyer credibility to sellers and real estate agents.

Reverse Mortgages

Our reverse mortgage solutions help seniors access home equity while maintaining ownership. We explain program requirements and financial implications through clear, jargon-free consultations. This service includes customized payment structure options that align with retirement planning goals and regulatory compliance standards.

Debt Consolidation Loans

We offer debt consolidation strategies that combine multiple obligations into single, manageable payments. Our approach reduces interest costs while simplifying financial management. Clients receive personalized assessments to determine eligibility and long-term benefits of consolidating credit card debt, medical bills, or other liabilities.

People

Steve Marks

Senior Mortgage Advisor

Steve Marks brings over a decade of mortgage industry experience to Ohana Mortgage Solutions. His client-focused approach combines market expertise with personalized guidance. Steve specializes in simplifying complex loan processes while maintaining transparent communication throughout transactions.

Questions

What mortgage loan options do you offer?

We provide fixed-rate, adjustable-rate, FHA, VA, jumbo, and reverse mortgages. Our team helps clients select the most suitable option based on individual financial circumstances and homeownership goals.

How does the mortgage pre-approval process work?

Our pre-approval process involves reviewing financial documents to determine loan eligibility. We assess income, credit history, and debt-to-income ratio to issue a detailed pre-approval letter outlining affordable price ranges and financing terms.

Can you help with mortgage refinancing?

Yes, we specialize in refinancing solutions to reduce monthly payments, access home equity, or adjust loan terms. Our analysis compares current market rates with existing mortgages to identify potential savings opportunities.

What areas do you serve?

We primarily serve clients in Hawaii and California. Our services cover major metropolitan areas and surrounding communities, with remote consultation options available for out-of-state property transactions.

How quickly can I get a mortgage rate quote?

We provide instant rate quotes through our online tools, with personalized consultations available within 24 hours. Our team ensures timely responses to all inquiries while maintaining thorough explanations of current market conditions.

Reviews (6)

Write a Review

Becky Harper

Dec 04, 2021 Report

We used Steve to refinance our mortgage for our house in California. He was very clear in his communication throughout the process and easy to get ahold of. The loan he secured for us not only took time off our current mortgage it lowered our monthly payments as well!!! The notary even commented that it was the lowest % rate he's EVER seen.

Carl Lee Cissp

Dec 03, 2021 Report

Worked with Steve twice to finance and refinance my home in Hawaii. The first time, Steve wasn't able to help me and was honest that he couldn't get the rate I was offered from other mortgage brokers. He told me to stay with them and wished me the best. When it came to to refinance, I reached out to Steve again to see what he could do to support a refinance. This time his rates were very competitive and were significantly more favorable to me compared to competitors. We went with Steve for the refinance, and saved over $500/month on our mortgage!

Kamcheese Burst

Dec 03, 2021 Report

Steve at Obama Mortgage was the most helpful and informative person in our whole process in purchasing our first home. As stressful and complicated as it might have been, Steve helped to simplify everything and work with our tough timeline in getting everything approved, signed, and quickly got our keys in hand. The back side of buying a house, the talking with escrow and banks and credit card companies, is a lot and Steve was a professional at it all. Very helpful and glad we had him on our team!

David Blank

Nov 29, 2021 Report

I have purchased 5 properties before I worked with Steve. I am beyond glad that he was recommended and we decided to utilize his company. Hands down the best out of 6 properties purchased over the years. Additionally this was during COVID. Despite the challenges that brings still excellent. Only negative was couldnt meet face to face. He goes above and beyond finding great rate, terms and superb communication. Anyone I hear thinking of purchasing I do and will continue to recommend.

Nikkole Qualls

Nov 16, 2021 Report

Positive:Professionalism,Responsiveness,Value
We loved working with Steve Marks! He was very informative through the whole process for us first time home buyers. We can't imagine using anyone else!

Vicky L.

Nov 07, 2021 Report

Positive:Professionalism,Quality,Responsiveness
Working with Steve was so easy and he made the entire lending experience not so daunting as one might think - especially as a first time home buyer. Hes quick with responses and answers all questions professionally and with your best interest. Thanks Steve!