I'm Jeff.
Your Waianae based mortgage broker
Skip the guesswork. Get current and real local strategy, proven market experience and excellent results for your next mortgage.
NMLS# 2719534
[email protected]
808.364.0681
Forward Capital, NMLS #2735539 🏠 Equal Housing LenderDisclosures: All loans are subject to credit, underwriting, and property approval. Program terms, rates, and conditions are subject to change without notice. This is not a commitment to lend. Forward Capital is an Equal Housing Lender. As a mortgage broker, Forward Capital arranges loans with third-party providers but does not make underwriting determinations or directly fund loans. Regulated by the Hawaii Department of Commerce and Consumer Affairs (DCCA) – Division of Financial Institutions. Real estate services are provided by licensed real estate agents in the State of Hawaii.
Loan Options
Our team has agreements with over a dozen wholesale lenders that have access to countless programs. Below is a quick snapshot of the programs, minimum credit score and approximate down payment amount required for each (not including closing costs).If you don't see a program that fits your needs, we may still have options available.
| program | min. credit | down payment |
|---|---|---|
| USDA | 640 | 0% |
| VA | N/A | 0% |
| FTHB (First Time Home Buyer) | 640 | 3% |
| FHA | 640 | 3.5% |
| FHA 203(k)/Renovation | 580 | 3.5% |
| CONVENTIONAL | 640 | 5% |
| FHA | 500 | 10% |
| BANK STATEMENT | 680 | 10% |
| DSCR (Debt Service Coverage Ratio) | 680 | 20% |
| CONDOTEL | 680 | 20% |
Before real estate, I spent ten years in law enforcement and emergency response, guiding people through some of the highest stress moments of their lives. That decade taught me how to stay calm, solve complex problems under pressure, and fiercely advocate for the people trusting me with their safety.
After relocating to Hawaii in 2016, I earned my degree in Business Administration and Finance from UH West Oahu and stepped full-time into the local housing market. Since then, I’ve personally guided nearly 100 successful transactions across Oahu, Kauai, and the Big Island.I founded my mortgage brokerage to combine those two worlds, combining high-stakes care with expert financial strategy.Whether you're buying your first home or expanding an island portfolio, I’m here to give you clear numbers, modern strategy, and complete peace of mind.
Contact
We are not just here for one quick deal. We want to be your financial partners for life. We will be right there to help you succeed as your goals change and new challenges pop up. We are ready to put in the work to help you win.