Making the impossible loans possible
At Hawaii Best Loans, we understand that obtaining a home loan is one of the biggest decisions of your life. That's why we're committed to making the process as easy and financially feasible for you as possible. With over 20 years of experience, our team has developed a simple formula that has made us one of the most trusted residential mortgage companies in Hawaii. We know how to make home mortgages affordable for our borrowers, and we're dedicated to working with you to find the right loan amount and best program for your unique situation.
Our President
Ashlee Sook Cho James is the President of Hawaii Best Loans, LLC, a Hawaii-based residential mortgage brokerage. With over two decades of experience in the mortgage industry, Ashlee has developed strong, specialized expertise in handling various types of loans, including FHA, VA, Reverse Mortgage, Hawaiian Homeland Loans, and USDA Loans. Ashlee believes that exceptional service and strong personal client relationships are the keys to success. She takes a personalized approach to loan processing, ensuring that every borrower receives the attention and guidance they need to achieve their financial goals.
Loan Process
Getting a home loan involves four major steps:
Step One: Determine How Much You Can Afford
We'll help you determine how much you can afford to borrow based on your credit score, income, debt, and other financial factors. We'll also guide you in finding the right loan amount and best program for your situation.
Step Two: Pre-qualify for Your Loan
After gathering your financial information, we'll provide a pre-qualification letter that gives you buying power. This letter will help you make a strong offer on the home you choose.
Step Three: Apply for Your Loan
Once you've made an offer and the sellers have accepted, you can apply for your loan online or in our office. We'll guide you through the application process, and our team will coordinate with the title company to ensure all necessary documents are in order.
Step Four: Funding
We'll work with the title company to finalize the loan and closing of the sale. You'll likely sign the documents at the title company's office. We'll be with you every step of the way to ensure a smooth and successful loan process.
Our Mission
At Hawaii Best Loans, our mission is to provide exceptional customer service and expertise to help our clients achieve their financial goals. We believe that by working together, we can make the impossible loan possible.
Contact Us
If you're ready to take the first step towards achieving your mortgage goals, please don't hesitate to contact us. Our team of experts is here to guide you through the loan process, every step of the way.
Overall Experience
The reviews for Hawaii Best Loans LLC range from excellent to poor. Some customers have had positive experiences, while others have been disappointed.
Knowledgeable Staff
Several reviewers have praised the staff at Hawaii Best Loans LLC for their knowledge and patience. Ashley, in particular, has been commended for her expertise in VA construction loans and her willingness to answer questions.
Communication Issues
However, some reviewers have experienced issues with communication. Tiana K. reported that the company failed to follow through on scheduled closing dates and left her feeling helpless and frustrated. Rischon Williams also mentioned that the company didn't leave a message after calling him multiple times.
Quality of Service
Despite some communication issues, many reviewers have praised the company's commitment to their clients. Digital Vertex and Action Septic Lumberton Nj both highlighted the staff's dedication and helpfulness.
Additional Issues
Tiana K. also reported that the company's delays and lack of transparency led to financial issues for both buyers and sellers. She advised against using the company for financial transactions.
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