Business Details
Your Trusted Mortgage Partner in Hawaii
Allstar Mortgage has been a trusted name in the mortgage industry since Ginger Thomas founded the company in 1990. With over 35 years of experience in finance and real estate, our team specializes in providing personalized mortgage solutions tailored to the unique needs of clients in Hawaii and beyond. Gingers deep understanding of the Hawaiian real estate market, combined with her extensive background in escrow, real estate sales, and mortgage underwriting since 1997, ensures clients receive expert guidance through every step of the financing process. We prioritize transparency, competitive rates, and exceptional customer service, helping clients navigate complex mortgage options with confidence.Our commitment to excellence is reflected in our track record of satisfied clients, including testimonials from homeowners, real estate professionals, and long-term partners who praise our reliability and expertise. By focusing on individualized support rather than generic solutions, we empower clients to achieve their homeownership goals while maintaining the highest standards of professionalism and integrity.
Services
Conventional Loans
Fixed Rate Mortgages
FHA/VA Loans
USDA Loans
Construction Loans
Condominium Loans
Investment Loans
Self-Employed Loans
Highlights and features
- Over 35 years of experience in finance and real estate industries
- In-depth knowledge of the Hawaiian real estate market since 1997
- Personalized mortgage assistance tailored to client needs and budgets
- Proven track record with numerous satisfied client testimonials
- Competitive rates and best-in-class customer service for seamless transactions
What people say
Prompt, professional, and accurate
Best interest rate possible
Peace of mind
Knowledgeable and experienced
Smooth process
Services
Conventional Loans
Conventional loans offer flexible terms for homebuyers with strong credit profiles. These non-government-backed mortgages are ideal for those seeking competitive rates and customizable down payment options. Our team specializes in conforming loans that meet Fannie Mae and Freddie Mac guidelines, including high-limit financing for Hawaii's unique market.
FHA/VA Loans
FHA and VA loans provide accessible homeownership opportunities for qualified borrowers. FHA loans require lower down payments and credit scores, while VA loans offer 100% financing for veterans. Our experts guide clients through eligibility requirements and streamline the process for these specialized programs.
Construction Loans
Construction loans support new home builds or major renovations. We offer traditional construction-to-permanent financing with up to 95% loan-to-value ratios. Our process includes phased funding and tailored terms for owner-occupants, second homes, and qualified investors in Hawaii's unique real estate landscape.
Self-Employed Loans
Self-employed borrowers can qualify using bank statements instead of tax returns. These specialized loans accommodate non-traditional income documentation while maintaining competitive rates. We work with freelancers, business owners, and contractors to verify income through alternative methods while meeting strict underwriting standards.
Investment Loans
Investment property loans use debt service coverage ratios to qualify borrowers. Our DSCR programs evaluate property cash flow potential alongside credit profiles. We offer flexible terms for residential investors seeking financing for single-family rentals, multi-unit properties, and portfolio acquisitions across Hawaii.
People
Ginger Thomas
Mortgage Broker
With over 35 years in finance and real estate, Ginger Thomas specializes in Hawaii mortgage solutions. A second-generation real estate professional, she has navigated every facet of the industry since 1990. Her expertise in complex transactions and commitment to personalized service have earned her numerous client testimonials and industry recognition.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with low down payments, conventional loans with competitive rates, and specialized programs for Hawaii's unique market conditions.
Can self-employed individuals qualify for mortgages?
Yes, we offer bank statement loans that use alternative income documentation while maintaining competitive rates and terms.
Do you offer construction financing?
Yes, we provide construction-to-permanent loans with up to 95% LTV for new builds and major renovations in Hawaii.
What are current conforming loan limits in Hawaii?
2024 limits range from $1,209,750 (single-unit) to $2,326,875 (four-unit) properties due to Hawaii's higher cost of living.
How do VA loans work for military veterans?
VA loans offer 100% financing with no mortgage insurance. We help veterans navigate eligibility requirements and secure favorable terms.
What areas do you serve?
We specialize in Hawaii real estate transactions, serving Kailua-Kona, Waikoloa, Waialua, and all major islands.
