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Your Hawaii Mortgage Broker

Your Hawaii Mortgage Broker

Simple lending solutions for complicated loan scenarios

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Mortgage Brokerage vs Mortgage Banking

As a broker, you are my customer.  I don’t work for a single bank.

Let’s pretend you walk into your friendly neighborhood retail bank branch.   They will sell you only their products at their prices.  But what if another lender has a more appropriate product?  What if the same product is available at a better price?

Now take a meeting with me.   Not only do you have access to the same mortgage products as your neighborhood bank, but you also have the products and prices of many lenders.

I guide you through a single application process with a single credit report pulled.  Having so many choices may be confusing, but I live in that marketplace and guide you through the process with good advice built on many years of experience and state of the art tools.

I represent you.  Your best choices are my concern: professionally, ethically, legally.  And, I only get paid when your loan closes.

I wrote my first mortgage loan in 1992.  Since then I have personally brokered hundreds of loans and continue to undergo professional training and continuing education.  If I was getting knee surgery, should I go to the general surgeon or the specialist on knees that’s done a thousand knees? Having an expert that knows what they’re doing can be so critical to your success.

So, there are significant benefits in going from a regular bank to a mortgage broker:  you will have access to more options, better products,  better closing times, same or better rates.  It’s simply a smart choice.

Reach out to me today and let’s talk about what you want to accomplish.

Let’s work together

Get in touch with me and let's go over your loan.

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John Todd
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808-938-8634
john@johntoddhawaii.com

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John Todd

NMLS 1470837

Greenkey Financial​ Incorporated

NMLS ​​1892108

A loan is conditionally approved when a lender has issued an approval in writing but the approval is conditional, not guaranteed, and subject to lender review of all information. Until all conditions are met the loan cannot be funded. Specified rates may not be available for all borrowers. Unlocked rates are subject to change with market conditions.

​Greenkey Financial Inc.​ is an NMLS registered State of Hawaii licensed Mortgage Loan Origination Company: ​Greenkey Financial Inc.​ NMLS ​​1892108. Greenkey Financial Inc. is an Equal Opportunity Mortgage Broker/Lender. Greenkey Financial Inc. is approved to originate VA and FHA loans and has the ability to broker such loans to VA and FHA approved lenders. Greenkey Financial Inc. is not acting on behalf of or at the direction of HUD/FHA or the VA. The services referred to herein are not available to persons located outside the state of Hawaii.