Serving Hawaiʻi, CA, & WA

Bring the Aloha Spirit to Your Home Loan.

No corporate bank nonsense. Just a fast, friendly, and transparent mortgage process built for families like yours.

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Meet the ʻOhana

Real people, real local experts. We're not some call center—we're your neighbors.

Steve Marks

Steve Marks

Mortgage Broker & Owner

Father, gamer, and board game enthusiast. I help families in Kapolei and beyond build wealth through real estate without the corporate bank nonsense.

NMLS #1683233

Gina Aliotta

Gina Aliotta

Loan Officer Assistant & Sr Loan Processor

The engine that keeps your loan moving. I make sure every document is perfect so you close on time, every time.

NMLS #1734084

Alex Panida

Alex Panida

Loan Officer

Helping you navigate the market with confidence. Dedicated to finding the right strategy for your unique financial picture.

NMLS #1922704

Louis Su

Louis Su

Loan Officer

Passionate about helping families secure their slice of paradise. I’m here to guide you through every step of the mortgage journey.

NMLS #2608305

Calculate Your Payments

Play with the numbers to see what your monthly investment might look like. We've pre-loaded some Hawaiʻi-specific math for you!

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The Simple Path to "Yes"

We don't believe in "No." We believe in "Yes" or "Here is the plan to get to Yes." Here is how we get you into your new home in 3 simple steps.

1. The Aloha Call

Schedule a quick 15-minute chat (Zoom or Phone). We discuss your goals, answer your burning questions, and explain the roadmap. No pressure, just clarity.

2. The Secure Portal

You'll get a custom checklist (Paystubs, ID, etc.) to upload to our secure portal. We verify everything upfront to ensure your numbers are rock solid.

3. The Strategy Session

We meet for a Pre-Approval Consultation to review your buying power. You leave with a "Yes" letter or a clear A-B-C action plan to get there.

Ready to start your journey?

Whether you are buying your first home in Kapolei or investing in a condo in Waikiki, it all starts with one conversation.

5.0 Star Rating on Google

Our Clients Love Us

See why families across Hawaiʻi and the West Coast trust us with their biggest investment.

"From the very first time we visited Hawaii, we knew that one day we wanted to own a home here. What felt like a distant dream and honestly, something we believed might be impossible was made a reality thanks to Steve and Gina at Ohana Mortgage Solutions. When we first began the process, we were understandably anxious about navigating a second mortgage, especially given the complexities involved. However, from the moment we submitted our financial information, Steve took the time to thoroughly review everything with us. He didn’t rush the process or provide generic advice, instead, he carefully explained our financial picture, walked us through multiple options, and helped us determine the best possible path forward based on our goals. His knowledge, transparency, and patience immediately put us at ease. What truly stood out was how smooth and seamless the entire experience was. The process was so efficient and well-organized that it almost felt too easy to believe especially considering how intimidating we initially thought it would be. Steve’s expertise and calm, confident guidance made all the difference. Gina was equally outstanding throughout the journey. She was incredibly on top of collecting all necessary documentation, proactive in her communication, and consistently kept us informed every step of the way. Anytime something was needed, she notified us immediately and made the process clear and manageable. Her attention to detail and responsiveness ensured that nothing fell through the cracks. We are beyond grateful to Steve, Gina, and the entire Ohana Mortgage Solutions team for turning our dream into a reality. We would 100% recommend anyone, especially those who think owning a home may be out of reach to start the conversation with Steve and his team. What may seem impossible at first could very well become your reality with the right guidance and support."

Shaun Spanos
Shaun Spanos
1/31/2026

"Ohana Mortgage Solutions truly exceeded our expectations, and we are grateful for the incredible support we received from Steve Marks. As small business owners, my husband and I understand the importance of dedication and hard work. From our very first interaction, it was clear that Steve embodied these qualities. Throughout the entire process of securing our home loan, Steve was there every step of the way. He took the time to explain each detail, ensuring we were informed and comfortable with every decision. The effort he put into understanding our unique financial situation made all the difference. It felt reassuring to know that someone truly cared about our dream of owning a home in Hawaii. Steve’s responsiveness and professionalism were remarkable. He was always available for our questions and provided timely updates on our application status, which helped us feel confident in the process. His commitment to helping us navigate the complexities of home buying was evident, and it enabled us to focus on what truly matters—turning our Hawaiian homeowner dream into reality. We wholeheartedly recommend Ohana Mortgage Solutions, and especially Steve, to anyone looking to purchase a home. His exceptional service and expertise made this significant milestone in our lives possible, and we are genuinely grateful for his support. Thank you, Steve, for helping us achieve our homeownership goal!"

Jeff Spanos
Jeff Spanos
1/31/2026

"I can't say enough great things about working with Steve. He helped us purchase a condotel unit in Kauai and navigated us through a bunch of tricky situations along the way. We went into escrow in one unit, backed out, and then went immediately into a new offer with another unit. Steve made the transition seamless, and about as easy as could be. All of this while we we in California, and he was in Oahu. He is a wealth of knowledge and is very patient explaining everything along the way. We used family friends with out first home purchase, and they sort of glazed over some of the details. Steve walked us through everything, line by line, and made us feel confident in the process. On top of all of this, Steve is just a great human and was an absolute pleasure to work with. Highly recommend using Steve and Ohana Mortgage."

DC Chavez
DC Chavez

"Easy process and very helpful. If your looking for a broker Steve Marks is the way to go!"

Julian Tooman
Julian Tooman

"As a first time home buyer, I was apprehensive and anxious regarding the financial side of the experience. Steve was patient and thorough in explaining the process and options available."

Michael Sheldon
Michael Sheldon

"We had a great experience with Steve and his team. Steve is honest and easy to work with. He is quick to respond to questions and very helpful throughout the process."

Nathan Myres
Nathan Myres

"Steve was great to work with, attentive, customer-focused, and patient with all the questions we had regarding our loan."

Alan Sun
Alan Sun

"A wonderful experience from start to finish. Beyond ethical and Ohana Mortgage goes above and beyond to make your home buying experience joyful and relaxed."

Amy Ramsey
Amy Ramsey

"Steve at Obama Mortgage was the most helpful and informative person in our whole process in purchasing our first home."

Kamcheese Burst
Kamcheese Burst

"We loved working with Steve Marks! He was very informative through the whole process for us first time home buyers. We can't imagine using anyone else!"

Nikkole Qualls
Nikkole Qualls

Frequently Asked Questions

Smart answers to common mortgage questions. Optimized for clarity.

Yes! If you are an eligible Veteran or active duty service member, the VA Loan offers 0% down payment. Additionally, certain rural areas in Hawaiʻi may qualify for USDA loans which are also 0% down. For other buyers, we have programs starting as low as 3% or 3.5% down.
It doesn't have to be! While big banks often struggle with self-employed tax returns, we have access to 'Bank Statement Loans' where we qualify you based on your business deposits rather than your tax returns. This is perfect for business owners with complex write-offs.
A Pre-Qualification is a rough estimate based on what you tell us. A Pre-Approval is verified. We review your documents (income, assets, credit) and issue a letter that tells sellers you are a serious buyer who can actually close. In this market, you need a Pre-Approval.
The national average is around 30-45 days, but the ʻOhana Mortgage Team moves faster. With our efficient process and in-house processing, we often clear loans to close in 21 days or less, provided documents are submitted promptly.

Have a question not listed here?

Email us at aloha@ohanamortgage.com