Hawaii Mortgage Company was excellent in all phases of our refinance. In particular, they were very clear in stating the details of the loan in the good-faith estimate, very attentive to our emails, and very responsive to our questions. By their hard work we locked our loan in the afternoon of the day before the rates started a significant climb. We were pleased that their lender (Provident) gave us an additional 0.125 point credit at locking, and then another 0.250 credit because our appraisal came in with a lower loan-to-value ratio than we expected. Everything about this transaction was top-notch, and I do not think we could have gotten a better interest rate or lower cost loan anywhere else. My compliments to Alan and his team, I recommend them highly.
We have found that Alan Zukerkorn is very knowledgeable experienced professional when he worked with us to re-finance our mortgage and then again to do another re-finance when we decided to add the cost of PV System to our mortgage. We would highly recommend him to anyone seeking a mortgage finance company.
To whom it may concern:
I have found that dealing with Hawaii Mortgage Company and Alan Zukerkorn on more then one loan to be a joy and without unwanted stress. He and his staff are professional and informative with every aspect of securing a Mortgage loan. There is no question asked that will not be answered. I was informed in a timely manner all through the process HMC and Alan find the best upfront costs and loan rates that are available. He and his staff will not allow the process to become stressful.
I have recommended friends to get their Mortgage and refinance loans through HMC and Alan, everyone of them have thanked me, as their experience of dealing with HMC was fantaatic.
If all Mortgage companies had the expertise and honesty of Alan Zukerkorn and Hawaii Mortgage Company, we would not have had the horror of 2007. James J. Shannon
I am a repeat customer of Mr. Zukerhorn. I find him very knowledgeable of the current state of the industry. Both refi transactions arranged by Alan were concluded in a very timely and professional manner. I was very pleased to have had Alan arrange my refi transactions and would use him again should rates continue to decline.
I had been reading Alans weekly newsletter for a few years while I was looking at property to buy on the Big Island, and dealing with local realtors who seemed dead set against using a "non-local" - i.e. " off-island " broker when I made a few offers in the dropping market. My personal experiences with " locally recommended" brokers was for the most part not good at all !! Just before the Holidays we found a listing on Craigslist " by owner" that I had already walked over 2 years ago, and the price was right ( now ). The owner and I re-walked the place ( 2 homes on 10 acres ) , did some haggling and shook hands that afternoon. Next day the first thing I did was call Alan !! His entire team is Great !! ,- and easy to work with, and really helped me out with contacts on Home and Hurricane insurance too. Alan got me a great rate lock for longer than expected, and we were able to close in plenty of time for the Christmas Holiday flights we had booked for the mainland !! Thanks Hawaii Mortgage for helping me put this all together !!
Alan and his staff are the best I've seen. They know the mortgage business inside and out. They are professionals. I've used Hawaii Mortgage twice. They are fast, efficient and honest. I would highly recommend Hawaii Mortgage Company to anyone looking for a mortgage.
Closed refinance loan. Kuliouou-Kalani Iki, Honolulu, HI
Our application process was absolutely seamless. We had refinanced twice in the last 5 years and knew what a headache that could be. However, our experience with Hawaii Mortgage Company was very pleasant, very convenient (few miles from our home) and Alan and his staff were always helpful and most of all, accessible for questions. It was easy, to say the least. Our application was filed on Oct. 31, 2012 and by Nov. 9, our rate was locked in and on Dec. 12, 2012, we were in escrow! Because Hawaii Mortgage does not advertise and business is conducted from a home/office, savings are passed to us, the consumer. We would definitely go with them again. Thank you for this opportunity.