Yes. With deep personal ties to the military her father, grandfather, and uncle all served. Keri considers it a privilege to help service members and veterans achieve homeownership. She is known for simplifying the often complex VA loan process and advocating for those who serve our country.

Absolutely. Keri is passionate about helping families access low down payment programs and understand the full path to homeownership. Her approach includes personalized planning, pre-approval education, and local program guidance to make buying a home in Hawai‘i more accessible.

Yes. Keri partners with local and out-of-state investors looking to build community through real estate. She specializes in investor financing, including DSCR (Debt Service Coverage Ratio) loans, no-ratio options, and multiple-property scenarios.

Realtors consistently refer Keri because: condos, self-employed borrowers, investor loans, and more. She closes on time (or early). Her communication is proactive, clear, and responsive. Her team provides 5-star service from pre-approval to post-close. She thrives on solving complex financing situations—condos, self-employed borrowers, investor loans, and more

You might not need as much as you think — or anything at all. Depending on your situation, there are loan programs that require zero down, and Hawaii also offers grant programs that can help cover down payment and closing costs. The best way to find out what you qualify for is to talk with our team.

This varies depending on the loan program. We can close in as little as 2 weeks, but most contracts are 30-45 days.

You won't know until you ask — and you might be surprised. We've helped a lot of people become homeowners who weren't sure they could qualify. We look at your full financial picture and match you with the program that fits. Getting pre-approved is a great first step before you even start shopping

Usually to save money or put their equity to work. A lower rate means a lower payment. Some homeowners tap their equity to pay off debt, invest, or buy another property. Others refinance to swap an adjustable rate for a fixed one so their payment stops fluctuating.

By refinancing the existing loan, the total finance charges may be higher over the life of the loan.

It depends on the loan and what you qualify for. Down payments can range from zero to 3–3.5% on low-down-payment programs, or 20% if you want to avoid mortgage insurance. There's no single answer, but we'll walk you through exactly what to expect for your specific situation.

Possibly, yes. Bankruptcy doesn't automatically disqualify you — it depends on the type, how long ago it was, and what's happened since. Bring your paperwork and let's look at your options together.

That's a conversation worth having with your loan officer because rates move daily and the wrong timing can affect your approval. We'll walk you through the tradeoffs. On some loan programs, we also have the option to float your rate down once during the transaction — so you don't have to feel locked in entirely.