- Name
- Jay Oku
- Company
- VAMC
- E-mail
- Contact Jay Oku (VAMC)
- Website
- http://www.vamchawaii.com
- Office Phone
- (808) 441-5713
- Cell Phone
- (808) 393-0707
- Fax
- (808) 441-5760
- Address
- 94-539 Puahi Street, Waipio, HI, 96797
- Description
- Over 11 years successfully funding VA FHA and Conventional Real Estate Mortgage Loans. I strive to help First Time Homeowners, seasoned investors and especially help our service members obtain the Ame
About Us:
Over 90% of Home Buyers are doing their Due Diligence online so it is no surprise that you made it here! Thank you for visiting.
You are considering financing Hundreds of Thousands of dollars; it is a sound financial practice to check with at least one other lender to see that you can trust me.
I can lend in 50 states, can lend up to 80% LTV on loans in excess of $1 million and have a powerful team supporting me.
We all realize that without our customers, we have no business. Our customers mean everything to us.
My strengths are identifying with customers needs, finding them the right program, helping them qualify for the best rate and saving them money over time. I am a transparent compliant lender and I disclose "everything" on the GFE the first time around so there are no suprises at closing. On many occasions I pay VA non allowable closing costs and provide sound advice on various loan programs and options etc.
With a tightening credit market I have over 10 years of experience in the industry. I nurture value my positive relationship with my underwriters; in return they can help me obtain approvals that many other lenders have to decline.
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.
- Honolulu and North Shore Chamber of Commerce Member
- Licensed Real Estate Salesperson and Loan Officer in CA
- Licensed Mortgage Solicitor in HI
- Volunteer for Lanakila and the Special Olympics
- Surfrider Foundation Member
- "Ambassador of Aloha" for the Visitors Aloha Society of Hawaii
- North Shore Chamber of Commerce Chairman for the Disaster Preparedness Committee
- Board Member of Surfing Medicine International
- Board Member of the Haleiwa Arts Fesitval
- Red Cross Certified
- CERT Trained
Areas of Expertise
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
- Government Loan and VA Specialist
Testimonials
11/18/2011
With a baby on the way we are grateful to all of us who worked on our file. We were amazed at the ease of the refinance after cancelling with another local mortgage broker that switched fees on us at the last moment.
Cheers to all of you for helping this ARMY Family~
Q and Tara
10/20/2011
Dear Jay,
I want to thank you for the stellar service you have given me in my quest to buy a home. My son, fellow loan officer Josh, said I would be in good hands with you and he was so right.
Due to the demands of the sellers' lien holder, I have asked you to help in ways which far exceed what is reasonable for this transaction. You responded with willingness and dedication. This deal would have fallen through without your attentive, resourceful, and caring assistance. Along the way, you have empowered me by educating me on the arcane process of purchasing home financing.
Every time we have talked or emailed, it has been a real pleasure. With your kindness and patience, you have helped shepherd me through this drawn out process of making a short sale purchase. I will miss you. I would say I am sorry to see you leave were it not for the prospect of your moving onto a new work situation that will be better for you and your family.
Good luck on your future endeavors and mahalo!
Aloha,
Margot Ettl
4/25/2011
Mahalo! You guys are 'da BEST!!!!
Emily
4/13/2011
Hi Jay and Sylvia, thanks again for all of your assistance and professionalism, I will definitely remember for next time and refer my friends and colleagues. Aloha, Dr. Greg
5/2010 Happy Haleiwa Client. We helped submitt tax returns and paid off two private investors.
YOU ARE THE MAN!!!!
HUGE MAHALO'S... Kanoe G
2/1/2010 From a mother (loan officer) whose Son is in Iraq and Daughter in law is also in Iraq during this refinance!~
Hi, Jay, I just wanted to send a quick thank you for your part (big part) in getting this loan closed. Matthew and Kara are very appreciative, as am I. It's always nice when you can reduce the amount of interest you pay. If I am able to get over there, if it is ok with you, I will try to find your office and stop in to say hi. I know that I caused you some headaches during this process and you are probably cussing out David Kucic of Re/Max (and Julie Degaire of ORTC) for giving me your name. :) I'm glad he did. Again, you were great to work with and I appreciate your efforts. Thank you!
Arlene Young Academy Mortgage, an integrity based lender 3500 Center Point Rd NE Cedar Rapids, IA 52402
1/23/2010
Jay is amazing to work with. He helped my wife and I refinance our home. He was crystal clear with communication and also gave us guidance on the best solution after understanding our needs. He set clear expectations, followed through with making sure we were doing what was expected of us as well as held himself accountable on his end. It was a smooth transaction. I would recommend Jay to family and friends. He has great integrity and is also a stand up human being. Thanks Jay!
Steve Rennie
11/11/09
Good Morning Jay, Thank you for taking the time to wish us Happy Veteran's day. Your salutation truly touched us. You're our super Hero; you provided the ultimate service and your determination is what capsuled our success story. Many thanks! Respectfully, Michael & Margarita
10/03/09
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Jay, It seems to us that you did a bit of magic today! Thank you so much for your diligence in seeing our loanthrough. Thanks again,
Dave and Peggy
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1/5/09
Thank you so much Jay, you are really getting us off to a good new year and I appreciate that. I feel really good about what you have helped us to accomplish, especially because we are dealing with a local bank and that's what we wanted to do for the longest time. I really hope they don't sell our loan. I hope all of your customers know what a great job you can do for them and appreciate you and all your staff that makes it happen. It is very hard to find honest people like you and especially people who deal with your finances. I feel very blessed and honored to have crossed path's with you on a personal level as well as professionally.
Many thanks - Erica
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
