I specialize in helping active-duty service members, veterans, and military families buy and sell homes on Oʻahu using VA-backed home loans, with a particular focus on VA loan assumptions and PCS relocations.

VA home loans work differently in Hawaiʻi than they do on the mainland. Entitlement limits, appraisal standards, seller perceptions, and inventory dynamics all matter here. I help military buyers understand how VA loans actually perform on Oʻahu, not just how they work in theory.

VA loan assumptions are one of the most powerful — and most misunderstood — tools available to military buyers today. When used correctly, assumable VA loans can significantly reduce monthly payments and create leverage in a competitive market. I guide clients through when assumptions make sense, how to evaluate them properly, and how to navigate the added complexity without delays or surprises.

My approach is structured, analytical, and mission-focused. I help military families align financing strategy, timing, and neighborhood selection so decisions are informed, confident, and sustainable.

If you are relocating to Oʻahu on PCS orders, separating or retiring from service, or exploring a VA loan or VA assumption, I provide clear guidance built specifically for military buyers in Hawaiʻi.