Loan programs · Hawaii
Non-QM loan officers in Hawaii
As of 2026-10-09, LenDb lists 18 loan officers licensed in or based in Hawaii whose lender pages show Non-QM loan work. The top-ranked are John Nguyen (Guild Mortgage, Boca Raton), Charles Toll (CrossCountry Mortgage, San Juan Capistrano) and Andy Sabo (Loan Factory, Honolulu). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 18
- 1
John NguyenNMLS 389742
Guild Mortgage · Boca Raton, FL · licensed in 21 states
- Non-QM loan
- 1099 income
- Bank statement loan
- DSCR loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 2
Charles TollNMLS 1783114
CrossCountry Mortgage · San Juan Capistrano, CA · licensed in 17 states
- Non-QM loan
- Real estate investor
- Self-employed
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 3
Andy SaboNMLS 2248266
Loan Factory · Mortgage broker · Honolulu, HI · licensed in 2 states
- Non-QM loan
- DSCR loan
- FHA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- Branch in Hawaii
- 40 years experience (stated on lender page, 2026-10-09)
- 4
Michael MizrahiNMLS 188831
CrossCountry Mortgage · Delray Beach, FL · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 15 years licensed
- No disciplinary actions on file at LenDb
- 5
Peter CostakosNMLS 139540
CrossCountry Mortgage · Purchase, NY · licensed in 25 states
- Non-QM loan
- Jumbo loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 6
Jared PaulNMLS 974114
CrossCountry Mortgage · Scottsdale, AZ · licensed in 21 states
- Non-QM loan
- VA loan
- FHA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 5 years licensed
- No disciplinary actions on file at LenDb
- 7
Jerry SundtNMLS 168111
CrossCountry Mortgage · Tucson, AZ · licensed in 36 states
- Non-QM loan
- Jumbo loan
- Real estate investor
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 8
Damon BlackwellNMLS 1812775
CrossCountry Mortgage · Henderson, NV · licensed in 5 states
- Non-QM loan
- Down payment assistance
- VA loan
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 9
Rosa BriggsNMLS 117032
CrossCountry Mortgage · Snohomish, WA · licensed in 32 states
- Non-QM loan
- VA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 10
Monica JonesNMLS 290779
CrossCountry Mortgage · Benicia, CA · licensed in 9 states
- Non-QM loan
- Real estate investor
- VA loan
- FHA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 11
Ryan BuckholdtNMLS 319442
CrossCountry Mortgage · Santa Cruz, CA · licensed in 11 states
- Non-QM loan
- Jumbo loan
- Renovation loan (203k / HomeStyle)
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 4 years licensed
- No disciplinary actions on file at LenDb
- 12
Blayney WhiteNMLS 239189
CrossCountry Mortgage · Petaluma, CA · licensed in 12 states
- Non-QM loan
- Real estate investor
- First-time buyer
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 13
Sarena TalbertNMLS 1043739
CrossCountry Mortgage · Newport Beach, CA · licensed in 51 states
- Non-QM loan
- Jumbo loan
- Reverse mortgage
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 2 years licensed
- No disciplinary actions on file at LenDb
- 14
Danny WaddellNMLS 1965113
CrossCountry Mortgage · Palos Verdes Estates, CA · licensed in 15 states
- Non-QM loan
- Jumbo loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 3 years licensed
- No disciplinary actions on file at LenDb
- 15
Evan SouzaNMLS 1675909
Xpert Home Lending · Mortgage broker · Sacramento, CA · licensed in 2 states
- Non-QM loan
- Asset-based qualifying
- Bank statement loan
- Down payment assistance
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 8 years licensed
- No disciplinary actions on file at LenDb
- 16
Kevin RollerNMLS 250375
LeaderOne Financial · Overland Park, KS · licensed in 43 states
- Non-QM loan
- DSCR loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 6 years licensed
- No disciplinary actions on file at LenDb
- 17
Dane CostaNMLS 787138
Xpert Home Lending · Mortgage broker · Hawaii
- Non-QM loan
- First-time buyer
- Real estate investor
- VA loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- Branch in Hawaii
- 11 years experience (stated on lender page, 2026-10-09)
- 18
Alex RamirezNMLS 450556
Xpert Home Lending · Mortgage broker · licensed in 5 states
- Non-QM loan
- VA loan
- Asset-based qualifying
- Bank statement loan
- Lists Non-QM loan on lender page (lender page, verified 2026-10-09)
- Licensed in HI (listed on lender page, verified 2026-10-09)
- 1 years licensed
- No disciplinary actions on file at LenDb
Before you choose
Every non-QM lender has its own guidelines and pricing, so the loan officer's investor relationships matter.
- Which non-QM investors do you work with?
- Why does my situation need non-QM rather than an agency loan?
- Is there a prepayment penalty, and can I refinance later?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in HI or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=non-qm&state=HI. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.