HomeLoan Financial

What we do

We are a Hawaii based lender specializing in home loans. By being a lender and not a broker, we retain control over the loan process from start to finish. We do Conventional, FHA, VA and USDA loans and we love working with first-time homebuyers.

How we do it

By combining our personal communication skills & leveraging technology we provide homeowners & potential homebuyers a unique level of educational resources to help simplify the mortgage financing process.


We believe

  • No one likes the “Hard Sell”. High pressure sales tactics & boiler room antics have no place within our company. We are consumers as well and we despise pushy sales people.
  • The best marketing adds value. Traditional marketing interrupts. We earn our customers attention by providing something useful.
  • Home loans need to be simplified. Unfamiliar process + overwhelming mortgage terminology + fine print = A cloudy picture. We know whats really important in a mortgage transaction & our goal is to present it as completely yet simply as possible.
  • Our customers are smart. Nobody knows our customers better than themselves. Our job is to educate and empower them. Given the right information, they will chose the best option.
  • We are a service company first. Great customer service is what drives our business – not glitzy marketing campaigns and uninformative advertising.
  • Results speak for themselves: There are many ways to define a company’s success. We judge ours by our customer satisfaction.
  • We are all connected. In the end, we are all part of the same community. A positive impression we leave with our customers promotes goodwill that we all benefit from.

 

 

Meet our management team

Gabe Amey As the Branch Manager of HomeLoan Financial, Gabe brings a wealth of knowledge and experience. Born and raised in Hawaii, Gabe attended college in the California Bay Area during the dot com boom. His exposure to the growth of the Internet fueled his passion for harnessing its potential to allow small business to compete with established industry giants.

A veteran in the mortgage industry since 2004, Gabe had the opportunity to launch HomeLoan Financial in 2007 and realize his vision of integrating his web and mortgage experience to create a new generation of mortgage lender.

 

Jim Owens Jim has worked in the mortgage industry in Hawaii since 1997. He has experienced nearly every aspect of the industry from selling loans on the secondary market, designing mortgage banking software & working with brokers and consumers originating home loans.

His recent experience managing teams of wholesale & retail originators inspired him to this current venture of establishing HomeLoan Financial and HawaiiVALoans.com as a premier mortgage provider in the islands.

 

 

Meet our parent company

An established mortgage lender since 1988, Land/Home Financial Services, Inc. has a national presence with licenses in 42 states. This proven lender has grown and prospered in a challenging marketplace that has demanded a high level of ethical standards, adaptability to change, and innovative thinking. Land/Home Financial credits it’s success to the extensive knowledge the executive team provides, the support the company provides each employee, and an ongoing commitment to excellence.

 

 

Our projects:

HawaiiVALoans.com Our first online presence, HawaiiVALoans.com has quickly become the main source of VA Loan information for the State of Hawaii.

 

VA Homebuyers’ Guide Our 24-page guide to help Veterans understand the benefits of the VA Loan program and the home buying process.

 

VA Loan Blog News, tips & updates regarding VA Loans asnd the mortgage market in general.

 

ProjectHurryHome.org (coming soon) Our charitable works project aimed to create a community of individuals, families, organizations & businesses who contirubute their talents & resources to benefit the families of deployed service members.

 

 

Contact us

HomeLoan Financial 841 Bishop St. #1840
808-792-4250
Honolulu, HI 96813
contact@hlfin.com

HomeLoan Financial has been in business since 2007. Here are some major milestones along the way.

9/07 HomeLoan Financial was created by Gabe Amey.


12/07 HawaiiVALoans.com is launched.


1/08 Loan Level price adjustments implemented by Fannie Mae & Freddie Mac essentially increasing the rate/cost for borrowers with lower credit scores and lower down payments.

3/08 Hawaii VA Loans Blog launched.


4/08 FHA & Conforming Jumbo programs introduced, making it easier to finance higher priced real estate.

4/08 Homebuyer tax credit announced allowing first-time homebuyers to get up to an $8,000 tax credit.

7/08 Jim Owens joins team as a Production Manager.

8/08 Hawaii VA Loans releases it's 21-page VA Homebuyers' Guide.

9/08 Lehman Brothers files for bankruptcy, the financial system is in turmoil and the government bails out entities determined too big to fail.

9/08 First VA Homebuyer's Seminar put on by HawaiiVALoans.com to educate Veterans about their VA Loan benefits.

1/09Barack Obama, the first Hawaii born president, becomes the 44th President of the United States.

3/09 The Obama Administration intruduces the 'Making Home Affordable Program' (HAMP) to help struggling homeowners modify or refinance their mortgage.

5/09 The 'Home Valuation Code of Conduct' (HVCC) introduced to establish standards for solicitation, compensation, conflicts of interest and appraiser independence. The HVCC essentially prohibits loan officers and mortgage brokers from selecting appraisers.

9/09 HomeLoan Financial moves to their new location at 841 Bishop St.

10/09 Faced with budget cuts, the State of Hawaii, the Unitied Public Workers Unit 1, the Hawaii Government Employees Association & the Hawaii State Teachers Association agree to close public schools for 17 Furlough Fridays over the next 2 years.

12/09 HomeLoan Financial graduates it's first class from their new Loan Officer training course.

1/10 Regulation Z goes into effect which requires all mortgage professionals to use a standardized Good Faith Estimate (GFE). The 2010 GFE aims to help borrowers understand the true cost of their loan, see if their mortgage rate or payments can ever increase and determine if there is a prepayment penalty on their loan.

3/10 HomeLoan Financial branches out and establishes a Maui Satellite Office, expanding their team to 12 total employees.