Home Improvement

A cash-out refinance could be a great thing to do if you want to:

  • Increase the value of your house by remodeling or adding another room
  • Make home repairs or small improvements

Debt Consolidation

A cash-out refinance might be a great option if you want to:

  • Combine credit card debt, student loans, or another mortgage into one affordable payment
  • Take advantage of the current, lower interest rates

Zillow Reviews!


Excellent Service

Roy was extremely professional and friendly throughout the entire process. He gave clear expectations and was able to exceed his timeline. Our loan funded earlier than we expected. He made getting a loan fast and easy.

clgarcia123 from Ewa Beach, HI


Another Seamless Refinance!

This is our 2nd time working with Scott. He is incredible! Everything on our side went so smoothly, especially since he was already familiar with us from our refinance last year. Because of his help last year, our situation improved so we were able to qualify for what we wanted this time. He is extremely knowledgeable, friendly, and always responsive. He is very patient, thoroughly explaining everything in terms that we could understand. We are truly grateful for Scott… he saved us last year, and this year we look forward to our situation improving even more. He is simply the BEST! Thank you again Scott, for everything!!

the49ergirl from Honolulu, HI


Roy is the BEST!!!!

I cannot put into words how thrilled I am with Roy Montero! He was always 3 steps ahead and handled situations and the inevitable bumps in the road with amazing skill and professionalism. Incredibly passionate and dedicated, he is a hard worker and will move mountains to help you get the best rates and best financing available. I have no problem highly recommending him to anyone who may be thinking of buying or in the process of buying a home, condo or apt. Mahalo Roy for all you do!!!

bryth808 from Kaaawa, HI

All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Corporate NMLS Unique Identifier # 32416. Verify a mortgage company or individual license on the Nationwide Mortgage Licensing System Consumer Access site: www.nmlsconsumeraccess.org. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes: and the consumer should consult a tax advisor for further information regarding the deductibility of interest and charges. U.S. Dept. of Housing & Urban Development Mortgagee-FHA Lender ID # 23773-0000-0, 23773-00017 (Unconditional Direct Endorsement Approved), USDA SFHGLP Approved, Department of Veterans Affairs VA Automatic Lender 56997-00-00. Nations Lending Corporation®