Why Get Pre-Qualified?

1. Pre-qualification is the first step in the purchase process. The mortgage lender will use information you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process is free and your loan officer is there to help you.

2. While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

3. These days most sellers will NOT accept an offer without at least a pre-approval letter, so if you are serious about buying this is the first step to be completed. That way when you make a purchase offer on a home, we can include a letter that you are already pre-approved for your mortgage.






Rick Yniguez

Director of CCM Warrior Group

M 808.462.7318

D 808.462.7318

F 808.378.1779

W ccm.com/Rick-Yniguez

E rick.yniguez@ccm.com





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CrossCountry Mortgage, LLC

3555 Harding Ave., Suite 100

Honolulu, HI 96816

Personal NMLS1823240 Branch NMLS1379257

Company NMLS3029


David Rose

Senior Loan Officer/Branch Manager
1st2nd Mortgage Co. of N.J. Inc.
1810 N. King Street Unit D, Honolulu HI 96819
Phone 808-452-0234         
Corporate Office 201-569-3469 ext. 242         
Cell  201-675-9191
Fax  201-244-7319

MLO # 301760 Company NMLS # 115981

Licensed in Hawaii and New Jersey 


Jack Smyth, Residential Loan Officer

Bank of Hawaii

130 Merchant St, suite 810

Honolulu, HI 96813

694-8957 phone

265-2287 cell

533-0173 fax



Alan Fentriss

Residential Loan Officer/Manager
NMLS 316244
American Savings Bank
p. 808.593.4869│ c. 808.927.3401


Grischa Hendreschke
Vice President

C-2 Financial Corp

Tel: (808) 557-5042



1003 Bishop St., Pauahi Tower, Ste. 700, Honolulu, HI 96813


 Brady Spangler (Big Island)

Guaranteed Rate

161 Wailea Ike Place, Suite C-101

Wailea, HI 96753

E-Mail: brady@rate.com


Lance Doiguchi

Mortgage Loan Originator

Hawaii State Federal Credit Union

46-047 Kamehameha Hwy, Suite #7

Kaneohe, HI 96744

(808) 699-0874

Email: LanceD@hsfcu.com


Steven Gran (Big Island - lava zone 1&2 too)


711 Kapiolani Blvd. Suite 1460

Honolulu, HI

cell: 808-990-6734


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