I love my job! Communication is crucial in the lending process and I believe that "being accessible" is the key to working with my clients, my Realtors and with Escrow to close a transaction efficiently and with less stress. The foundation of my business and the reason for its success is not because of me, but the team that I have formed. My processor Rachel was an underwriter for Bank of America and knows what we need in order to close our files effectively, she says that she can not sleep soundly until our files are in order. My junior associate Jon is a master of database management and a marketing whiz. My strengths are identifying with my clients needs, providing them with programs that make sense for them and do everything I can to comfort them through the process so they can focus on their lives and not on loan conditions. I am a transparent lender and disclose "everything" on the GFE the first time around so there are no suprises at closing. I pay VA non allowable closing costs and provide sound advice on "no money down" options etc.

With a tightening credit market I have 8 years of experience in the industry and relationships with underwriters and lenders that can help me get approvals that many other lenders have to decline. I am a licensed real estate sales person in California and am a licensed mortgage solicitor in Hawaii and am proficient at lending in both markets. As a branch manager of Bridge Capital Corp. in Irvine CA I have also performed loans and have satisfied clients in NV, OR, WA, MT, CO, NM, OH, IL, NC and FL. I am proficient in getting VA and GSE loans funded smoothly and quickly. To help our service members obtain the American Dream is the least I can do for them as they serve our country and protect the American Dream.

Buying a new home or refinancing your home is a source of anxiety, frustration -- and a huge sense of accomplishment - I educate every first time home buyer in the real estate process so they become investors not just home owners.

You didn't pick the house that was best for someone else, you picked the one that's right for you! Trust Jay Oku to find the mortgage loan that best fits your needs, too.

• Hawaii Chamber of Commerce Member
• Licensed Realtor and Loan Officer in CA
• Licensed Mortgage Solicitor in HI
• Volunteer for Lanakila and the Special Olympics
• Surfrider Foundation Member

I like to say I am an expert in educating society about credit and real estate financing. I align myself with professionals that want to do what is right for our clients and not just make the most money possible.

• I am an expert in Ethics, Trustworthiness and Accountability.
• I am a credit repair expert with 36 hour Rapid Rescores and a high success rate
• VA
• Fannie Mae/ Freddie Mac
• Construction and Lot Loans

Jay,

Just a short note to say THANK YOU for all of your assistance in completing the Crim loan. It has been a pleasure working with you and experiencing your kindness, thoughtfulness, dedication, hard work, Honesty, knowledge and experience. I learned so much in the short time that it took you to complete this transaction. You have Truly earned all of my future business and anyone that I can refer to you and your company. I rest assured that my clients are in good hands and that you will always have my clients best interest at heart. I am more than confident that the job will be done right and in a timely manner.

P.S. You'll be hearing from me soon; I plan to work the heck out of you!

Gail Fergusson, Realtor, International Real Estate Services

Jay ~ We just recieved our wire! btw - Thank You for your bubbly personality and the excellent service, follow through etc. You have been a refreshing change from the trauma with DiTech/GMAC!

 (c: Nicole Mesik

Jay - From the day that I decided to work with you on my home purchase you helped me understand the lending process, the positives and negatives of different loan programs and worked cooperatively with my Realtor getting him the necessary updates and paperwork proactively. It has been a great learning experience and I feel confident that you wee looking out for me the whole way. The next time I ever hear of anyone needing real estate financing I will definitely give them your contact info.

Mahalo,

Noah Johnson