--- canonical_url: https://lendb.ai/s/va/hawaii last_verified: 2026-10-09 --- # VA loan officers in Hawaii As of 2026-10-09, LenDb lists 39 loan officers licensed in or based in Hawaii whose lender pages show VA loan work. The top-ranked are Alex Ramirez (Xpert Home Lending), Britainy Wilkerson (Xpert Home Lending) and Scott Evans (CrossCountry Mortgage, San Diego). Ranking is lender-neutral: specialty evidence first, then a license in HI, branch location, experience and profile completeness. Nobody pays for placement. ## Ranked, with reasons 1. **[Alex Ramirez](https://lendb.ai/lo/alexis-ramirez-450556)** (NMLS 450556), Xpert Home Lending - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 21 years of experience (lender page, 2026-10-09) 2. **[Britainy Wilkerson](https://lendb.ai/lo/britainy-wilkerson-1137924)** (NMLS 1137924), Xpert Home Lending - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 15 years of experience (lender page, 2026-10-09) 3. **[Scott Evans](https://lendb.ai/lo/scott-evans-256163)** (NMLS 256163), CrossCountry Mortgage, San Diego, CA - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2013 (per Florida records) 4. **[Mark Villano](https://lendb.ai/lo/mark-villano-1306487)** (NMLS 1306487), CrossCountry Mortgage, Lakewood, WA - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Colorado records) - States 12 years of experience (lender page, 2026-10-09) 5. **[Dane Costa](https://lendb.ai/lo/dane-costa-787138)** (NMLS 787138), Xpert Home Lending, HI - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Hawaii - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 5 years of experience (lender page, 2026-10-09) 6. **[Tanny Waters](https://lendb.ai/lo/tanny-waters-892213)** (NMLS 892213), C2 Financial Corporation, HI - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Hawaii - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Colorado records) - States 19 years of experience (lender page, 2026-10-09) 7. **[Jessica Takayesu](https://lendb.ai/lo/jessica-takayesu-1089638)** (NMLS 1089638), Guild Mortgage, Kailua, HI - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Kailua, HI - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Patton Gade](https://lendb.ai/lo/patton-gade-1243024)** (NMLS 1243024), CrossCountry Mortgage, Scottsdale, AZ - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 9. **[Jay Bunte](https://lendb.ai/lo/jay-bunte-1957808)** (NMLS 1957808), CrossCountry Mortgage, Fort Worth, TX - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 10. **[Arthur Buhrer](https://lendb.ai/lo/arthur-buhrer-114080)** (NMLS 114080), CrossCountry Mortgage, Sequim, WA - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 11. **[Adam Workman](https://lendb.ai/lo/adam-workman-128183)** (NMLS 128183), CrossCountry Mortgage, Charlotte, NC - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2020 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 12. **[Ubaldo V Leon III](https://lendb.ai/lo/ubaldo-leon-304012)** (NMLS 304012), CrossCountry Mortgage, Lewisville, TX - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Florida records) - States 22 years of experience (lender page, 2026-10-09) 13. **[Jared Paul](https://lendb.ai/lo/jared-paul-974114)** (NMLS 974114), CrossCountry Mortgage, Scottsdale, AZ - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Colorado records) - States 20 years of experience (lender page, 2026-10-09) 14. **[Rajat Jetley](https://lendb.ai/lo/rajat-jetley-1595897)** (NMLS 1595897), CrossCountry Mortgage, San Juan Capistrano, CA - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 15. **[Josh Surver](https://lendb.ai/lo/joshua-surver-2459945)** (NMLS 2459945), Xpert Home Lending - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2023 (per Colorado records) 16. **[Roy Montero](https://lendb.ai/lo/roy-montero-351403)** (NMLS 351403), CrossCountry Mortgage, Honolulu, HI - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Honolulu, HI - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Colorado records) 17. **[Eric Jones](https://lendb.ai/lo/eric-jones-1423252)** (NMLS 1423252), Barrett Financial Group, Chandler, AZ - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 18. **[Michael Quinn](https://lendb.ai/lo/michael-quinn-228210)** (NMLS 228210), American Pacific Mortgage, Ventura, CA - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 17 years of experience (lender page, 2026-10-09) 19. **[Michael Murgatroy](https://lendb.ai/lo/michael-murgatroy-60099)** (NMLS 60099), CrossCountry Mortgage, Delray Beach, FL - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Colorado records) 20. **[Michelle Bobart](https://lendb.ai/lo/michelle-bobart-137164)** (NMLS 137164), CrossCountry Mortgage, Chicago, IL - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Colorado records) 21. **[Seth August](https://lendb.ai/lo/seth-august-1552226)** (NMLS 1552226), Loan Factory - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) 22. **[Lindsay Witter](https://lendb.ai/lo/lindsay-witter-700709)** (NMLS 700709), American Pacific Mortgage, Roseville, CA - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2016 (per Colorado records) 23. **[Kevin Rudrud](https://lendb.ai/lo/kevin-rudrud-335381)** (NMLS 335381), NFM Lending, Kailua-Kona, HI - Lists VA loan on lender page (lender page, verified 2026-10-09) - Office in Kailua-Kona, HI - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) 24. **[Emmett Clark](https://lendb.ai/lo/emmett-clark-233747)** (NMLS 233747), Loan Factory - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2024 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 25. **[Kyle Johnson](https://lendb.ai/lo/kyle-johnson-1092898)** (NMLS 1092898), CrossCountry Mortgage, Lacey, WA - Lists VA loan on lender page (lender page, verified 2026-10-09) - HI listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Florida records) ## Questions to ask - How many VA loans have you closed in the last year? - Can you check my remaining entitlement and funding fee status? - How do you handle a low VA appraisal or the tidewater process? Cite as: LenDb.ai, https://lendb.ai/s/va/hawaii. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._