Licensed in HI & CO · Referrals accepted in 49 states · NMLS #470413

Hawaii mortgages
from someone who
knows every island.

Shop 180+ lenders without making 180 phone calls. VA loans, DSCR investor financing, condotel, non-QM, and reverse mortgage — with access to wholesale rates and tools no other Hawaii broker has built.

Get a free quote Explore my tools
20+
Years in Hawaii
180+
Wholesale lenders
5
Islands served
Wholesale
Pricing — rates banks can't match
49
States — referrals welcome nationwide
Zack Diener, Hawaii Mortgage Broker
Zack Diener Mortgage Broker · Barrett Financial Group NMLS #470413 · Hawaii & Colorado Licensed
Independent
Broker — not a bank
180+ Lenders
Shopping your rate for you
20+ Years
Hawaii lending experience
All 5 Islands
Oahu, Maui, Big Island, Kauai, Molokai
$0 Fees
No lender origination fees
What Zack Can Do For You

Your situation has a solution.

Every borrower’s path to homeownership looks different. Here’s how I help Hawaii’s most common buyers — and the ones the big banks turn away.

Exclusive Benefits for Veterans

0% Down No PMI Ever No Loan Limit
100% financing — no down payment required
No private mortgage insurance, ever
IRRRL streamline refi — no appraisal or income docs in most cases
Closed hundreds of VA loans across all Hawaii islands
Learn more

Grow Your Hawaii Portfolio

STR Income OK LLC Eligible No Tax Returns
Qualify on rental income, not personal tax returns
Airbnb, VRBO, and long-term rental income all accepted
No limit on financed properties
Condotel and non-warrantable condo financing available
Learn more

Home Loans for Self-Employed

Bank Statements Flexible Income 1099 OK
Qualify with 12 or 24 months of bank statements
No W-2 or tax returns required
Asset depletion and P&L programs available
Self-employment duration requirements vary by lender
Learn more

Buy Your First Hawaii Home

3.5% Down FHA All Islands Fast Pre-Approval
FHA loans from 3.5% down
Pre-approval letters typically within 24 hours
I explain every step — no jargon, no pressure
Shop 180+ lenders to find your best rate and terms
Learn more
Loan programs

180+ lenders. One advocate.
Your best loan.

From VA loans for Oahu’s military families to DSCR financing for Maui vacation rental investors — as your personal mortgage shopper, I do the shopping so you don’t have to.

For active duty & veterans

VA Home Loans

The best mortgage in America, earned by service. Oahu alone has one of the largest active military populations in the country.

Zero down · No PMI · No loan limit

The best mortgage benefit you’ve earned.

100% financing with no VA-imposed loan limit — borrow based on what you qualify for
No private mortgage insurance, ever — saves hundreds per month
VA IRRRL streamline refinance — no appraisal, no income docs required in most cases
VA cash-out refinance up to 100% LTV — access your full equity (lender overlays may apply)
Closed hundreds of VA loans across Oahu, Maui, and the Big Island
Learn more Get pre-approved
Investor favorite

DSCR & Investor Loans

Qualify on your property’s rental income, not your personal tax returns. Every island, every door count.

For real estate investors

Qualify on cash flow, not W-2s.

Airbnb, VRBO, and long-term rental income all accepted
LLC or personal name — both eligible
No limit on number of financed properties
Run the numbers with the DSCR Calculator — no email required
Learn more DSCR Calculator
Hawaii specialist

Condotel Financing

Most lenders won’t touch condotel properties. I have lenders who specialize in them.

Waikiki · Kaanapali · Poipu & beyond

Financing most lenders turn down.

Hotel-zoned condo units on all major islands
Use the Condo Warrantability Scanner to check your unit before applying
Non-warrantable condo portfolio solutions available
Primary residence, second home, or investment
Learn more Check warrantability
Self-employed & complex income

Non-QM & Jumbo

Your tax returns don’t tell the whole story. Bank statement and non-QM programs do.

For business owners & high earners

Real solutions for complex income.

12 or 24-month bank statement programs
Asset depletion and asset-based qualification
Foreign national lending programs
High-balance jumbo to $5M+
Learn more Income Analyzer
Senior homeowners

Reverse Mortgage

Turn your Hawaii home equity into retirement income — with an interactive planning tool no other broker offers.

HECM purchase & refinance

Access your equity. Keep your home.

No monthly mortgage payments required
HECM for Purchase — buy a home with no monthly payment
Live 10-year CMT rate feed in the planning tool
FA-friendly output for financial advisor collaboration
Learn more Planning tool
Home buyers

Conventional & FHA

Buying your first Hawaii home or moving up? I’ll shop 180+ wholesale lenders so you get the best rate available.

Purchase & refinance

The best rate across 180+ lenders.

Conforming, high-balance, and super-conforming limits
FHA with as little as 3.5% down
2/1 buydown and rate lock options available
Pre-approval letters typically within 24 hours
Learn more Get pre-approved
Business & investment properties

Commercial Loans

From small mixed-use properties to larger commercial acquisitions — Hawaii’s unique commercial market requires a broker who knows it.

Purchase · Refinance · Cash-out

Commercial lending across all Hawaii islands.

Multifamily (5+ units), mixed-use, retail, office, and industrial
SBA 7(a) and 504 loan programs available
Bridge loans and short-term financing for acquisitions
Cash-out refinance on existing commercial equity
Hawaii-specific commercial market experience across all islands
Learn more Get a quote
Serving all Hawaii islands

Local expertise,
island by island

Every island has its own market, its own property types, its own financing nuances. Twenty years of island-by-island experience means I know the details that matter before they become problems at closing.

Oahu
Honolulu · Military · Waikiki condotels
Explore Oahu loans
Maui
Luxury · Vacation rentals · Kaanapali
Explore Maui loans
Big Island
Investment · Kona · Hilo
Explore Big Island
Kauai
Luxury · Princeville · Poipu
Explore Kauai loans
Molokai
Local relationships · Unique market
Explore Molokai

Island photography coming — gradients are placeholders for real aerial and landscape shots of each island.

Built by me — free for you

Tools no other
Hawaii broker has.

Interactive, accurate, and free — no email required, no sales pitch. Built because they didn’t exist and I needed them to do my job better.

View all tools
DSCR CalculatorInvestor cash flow analysis · STR/LTR toggle · AirDNA Rentalizer integration
Buydown & Break-Even CalculatorRate buydown analysis · Monthly savings · Break-even timeline
Condo Warrantability ScannerAI-powered Fannie Mae compliance · Full B4-2 framework · 22-point check
Real Estate Deal AnalyzerFull investment ROI · Print-ready report · Google Places autocomplete
Zack Diener — Hawaii Mortgage Broker
About your broker

Real experience.
Real relationships.
Real results.

I got into the mortgage business with a lot of hustle and a genuine drive to help people. More than two decades of lending in Hawaii later, my guiding principle hasn’t changed: if I wouldn’t recommend it to my own grandmother, I won’t recommend it to you.

“Think of me as your personal mortgage shopper. I do the shopping so you don’t have to — comparing rates and products across 180+ wholesale lenders to find what’s actually right for your situation.”

I’m a licensed independent broker under Barrett Financial Group (NMLS #181106), active in both Hawaii and Colorado. When I’m not closing loans, I’m coaching youth sports or somewhere in the mountains.

20+Years in the industry
180+Wholesale lender relationships
HI & CODual-state licensed
NMLS#470413 · Registered & licensed
My full story
Hawaii market updates

Stay ahead of
the Hawaii market

All posts
June 2026
Market Update

Hawaii Mortgage Market Update — June 2026

June 2026 · 4 min read
Investor
Investor Guide

DSCR Loans in Hawaii: What Investors Need to Know in 2026

May 2026 · 6 min read
Condotel
Niche Financing

Condotel Financing in Hawaii: The Complete 2026 Guide

April 2026 · 8 min read

Ready to talk about
your Hawaii loan?

No obligation, no pressure — a straight conversation from someone who knows Hawaii lending inside and out.

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