Wendy Oshiro

NMLS#391477 - Reverse Mortgage Specialist/ HI Branch Manager Open Mortgage #2975
My parents' sudden loss of independence early in their retirement years took me by surprise. My siblings and I were unprepared. We quickly had to learn about long term care options, LTC insurance policies and various other topics like adult residential care homes, medicare and medicaid. One thing we were certain about was that long term care would be very expensive. In a panic, we sold my parents' home thinking it was the only way we could finance their care.

That was many years ago. I learned soon after selling their home that a reverse mortgage could have made my parents' desire of staying in their home a reality. This experience has contributed to my quest to educate seniors about this option. Since 2007, I've educated hundreds while helping many seniors achieve their financial goals through a reverse mortgage. I count it a blessing serve my customers and would be happy to serve you as well.

Please contact me if you'd like to explore how a reverse mortgage can help you.



Aug 16, 2017
It was a pleasure working with Wendy. She has an extensive knowledge of the reverse mortgage process and made sure everything went smoothly. I do feel confident recommending her to others!
Jul 3, 2017
Honolulu Homeowners
We would like to express our deepest gratitude for this beautiful young woman, Wendy Oshiro, who helped us obtain our reverse mortgage about a couple of months ago.

I was opposed to (a reverse mortgage) for awhile because of hearing negative things about it. She was highly recommended by another lender who didn't offer the reverse mortgage. The lender said Wendy would be the right person to help us. At first, I was reluctant to meet her. However, after agreeing to a meeting, it only took a few minutes to feel moved by her sincerity and professionalism.

I truly believe God sent her to help us obtain our reverse mortgage. We are so relieved things are so improved for us financially. Wendy's beauty is reflected in how she handles her profession and we are so thankful God placed her in our lives. Truly, she's a special "gem."

With Much Gratitude,
The Sakanashis.
Jun 14, 2017
Wendy Oshiro is an absolute gem to work with. I worked with her to obtain a reverse mortgage for my parents who live in Hawaii. She made the extra effort to help me with documents and anything else, even after I returned home to San Diego. She is pleasant and easy to work with. She is also patient and willing to answer any questions. Communication was not a problem as I could call, text or email Wendy any time. She replied promptly and kept me updated. I highly recommend her.
May 20, 2017
Daughter and caregiver of mom
A friend suggested that my mom should consider getting a reverse mortgage for her expanding caregiving expenses. I was reluctant because we both didn't know how a reverse mortgage worked and I only heard negative comments about it.
After several months of worry, I kept hearing Wendy Oshiro's voice on the radio telling her story about her parents and how she wants to help others in need. I decided to call Wendy to inquire about how a reverse mortgage really worked and how it could help my mom.
From the first phone call and meeting her in person, Wendy was pleasant, caring and knowledgeable in her business. With that, we decided to go through with it. During the whole process, we were very comfortable working with Wendy and felt a trustworthiness in her. Everything went smoothly and quickly because of her efficiency.
Today, our family feels very blessed that Wendy has helped my mom in getting the quality care she deserves!
Apr 28, 2017
Wendy was awesome. We contacted her to help my mom with a reverse mortgage on her home. Wendy was so reassuring through the whole process. She is extremely knowledgeable about the process and procedures and she was able to explain everything to my mom in clear terms that she could understand and be comfortable with. Wendy was always available to answer any questions and we appreciated her professionalism and attention to detail. What really stood out with us was her genuine concern for my mom. My mother is now living with financial freedom. She is able to pay her monthly expenses and have money left over to do things for herself. I am extremely grateful to Wendy for helping my mom get the financial security she deserves. I would absolutely recommend Wendy for anyone looking for a reverse mortgage.
Apr 24, 2017
Wendy was recommended to me via Bank of Hawaii officer. My case for getting a Reverse Mortgage was quite complicated. My condo association had let our HUD approval lapse and we had to start from scratch. Much documentation was required. Luckily I had a very cooperative Resident Manager who helped out a lot. Wendy was patient and determined which was truly all that saved me. She worked hard, was always pleasant, showed she knew her subject matter, and most of all understood all of my emotions throughout the process. It was long and arduous, but Wendy never flinched. Thanks to Wendy, I recently got my Reverse Mortgage, which has saved me from losing my condo. I can't think of finding a better person to take me through to victory. Wendy is the best and I highly recommend her.
Jan 17, 2017
I definitely recommend Wendy Oshiro if you are looking to get a reverse mortgage.
She gave me excellent service throughout the application process.
She has a thorough understanding of the reverse mortgage instrument, and diligently and patiently addressed each of my concerns and questions.
A reverse mortgage can be overwhelming to the uninitiated, but Wendy's expert knowledge and guidance helped me to make the right choices that fit my needs.
She also walked me through each step of the application process, which allowed things to proceed without any delays. In no time at all I received my first check.
Thank you, Wendy.
Jan 11, 2017
I finally made a decision to do a Reverse Mortgage. I wanted a lender here in Hawaii to help me with the process. Upon making a few phone calls Wendy, was highly rec.ommended. I contacted Wendy and I was very happy I did because she was pleasant, understanding of my needs and very informative on questions I had about the Reverse Mortgage. Any further questions I had we communicated mostly by emai which was convenient for mel. When I had a question(s) she responded quickly even after hours. I would definitely, recommend Wendy to assist anyone who are thinking of doing a Reverse Mortgage. SHE IS THE BEST!
Dec 5, 2016
Real Estate Broker
What a breath of fresh air!!
Wendy's approach to being a outstanding loan officer is full time devotion, attention and a continuous giving of one's self to the satisfaction of her Reverse Mortgage borrower. Her attention to detail is above reproach to the solving of the numerous loan questions and reaching doable solutions. It was indeed a pleasure to have Wendy working this complicated transaction and will use her in all future loan transactions. What a pleasing outcome it was to work with such a dedicated person.
Thank you Wendy,

Gary Deardorff
Nov 28, 2016
Daughter of Elderly Home Owner
My brother and I are so thankful for Wendy. She was friendly and very helpful thru the whole Rev. Mort process. Always on top of things and keeping us well
informed and walked us thru very step. Wendy treated us with such sincerity and true passion. It was a truly a pleasure and a blessing to have her as our helper and friend.
Jun 28, 2016
East Oahu homeowner
When we first started looking around for a reverse mortgage, I interviewed a couple of other specialists before discovering Wendy. It wasn't until meeting with her, however, that we became more comfortable with the reverse mortgage concept. Wendy was not only extremely knowledgeable about the process, but, more importantly, she exhibited such integrity, compassion, caring, and kindness, that she became a trusted advisor to us. We felt an immediate connection with her, and would recommend her very highly to anyone searching for a reverse mortgage professional who will always put their needs ahead of her own.
Jun 24, 2016
Homeowner in Kaimuki
We are so thankful to Wendy and all of her help..we were able to get out from under a big business debt using a reverse mortgage.
Jun 20, 2016
Multi Busi Owner & (Father -Rev. Mtg Customer)
Wendy is very knowledgeable & friendly. She is also very helpful thru the entire Rev. Mtg Loan process!
She offers great customer service & goes that extra mile to help her customers in any way she can!
We both HIGHLY Recommend her for ALL your Rev. Mtg needs!

We are both very happy that we were able to work with her!
Jun 18, 2016
We met Wendy at a Financial workshop at our church. I was very impressed with her knowledge of the Reverse Mortgage process. As a result, we contacted her to obtain a Revese Mortgage. We found Wendy to be extremely professional and helpful as she navigated us through the loan process. She was able to answer all our questions and she was with us every step along the way to completing the process.

I would strongly recommend Wendy to handle anyone's financial needs, especially Reverse Mortgages.
Jun 18, 2016
Homeowner in Kaneohe, HI
I highly recommend Wendy Oshiro. She has shown high intelligence, dedication, hard work, skill and the ability to achieve a new reverse mortgage for us.
Sep 9, 2015
If you need an advisor for a reverse mortgage Wendy Oshiro is the one to work with. She will provide support and assurance in what could potentially be stressful.

She will explain every step simply and clearly with patience. She is very knowledgeable. We had numerous questions which she answered promptly and and we felt very comfortable during the entire process. She walked us through all the procedures. She provided expert attentive service. Her personality is second to none as well as her professionalism. She always made us feel comfortable.
We are grateful for her assistance.
Jan 2, 2015
Daughter of some exceptionally happy parents in Mililani
My recommendation has been long overdue. My parents were in dire need of a Reverse Mortgage Specialist to help educate them about changes in the reverse mortgage program and the loan process. We were so blessed to find out about Wendy by listening to her advertisement on The FISH radio station. What initially appealed to me were her attributes (faith in and love for God, kindness, integrity, etc.). When I contacted Wendy, she was immediately available, helpful, knowledgeable and on it! We had done a lot of research on reverse mortgage loans for my parents but we still needed someone to move them in the right direction. My parents' case was slightly complicated, but through diligence and guidance, Wendy got them through the entire process painlessly and helped them tremendously. She was there every step of the way! She was incredibly perseverant with my parent's loan, trying numerous avenues as various options weren't open to my parents for one reason or another.

Wendy went above and beyond for my parents. She handled my parents' reverse mortgage loan with great care and was very personable. Wendy treated my parents as if they were her very own parents. Knowing that my mom was not in the best of health, she took time out of her busy schedule to personally come to my parents home and explained the entire process to our family. She was thorough in identifying the standard information we had to gather and then anticipated what the underwriters may possibly want for my parents' situation and gave us time to gather the information before it was requested.

My parents' reverse mortgage loan was approved in a timely fashion and now my entire family has peace of mind that my parents can stay in their own home for the rest of their lives. Once the reverse mortgage loan was approved she handled all the paperwork expertly and efficiently over email, personal delivery, etc.

Wendy is extremely knowledgeable and walks you through the reverse mortgage process step by step. She is friendly, a consummate professional and gets the job done. Honesty, reliability, efficiency, and straight forwardness is what you will get from Wendy. In addition to being patient and understanding - she is always available to answer questions. Wendy always returned our correspondence and answered every little question and detail, if not more. I cannot say enough positive things about our experience with her. I highly recommend her for your reverse mortgage loan needs!
Dec 1, 2014
We were very fortunate to be encouraged to contact Ms. Wendy Oshiro. We had started out with a fast-talking San Diego “RM” manager. We had heard that “reverse mortgages” (RM) are safe and well-controlled by HUD. Then some well-informed local bank officer asked if we knew of Wendy Oshiro.
From the very first contact with Wendy until we completed the whole complicated process, we were cared for by the very best in our humble experience.

There can be lots of “gotchas” if an expert does not lead you. Wendy managed to save us over $7,000 in costs, plus an interest cap of 7.5%, whereas her competition’s cap was 12.5%. Wendy is one who works around the clock, and the weekends. We had a very challenging “close” when signing documents, as Susie was in California and I was here on Kauai. Wendy led the close through speakerphone, line by line and both Notary-s signing.

Many thanks to Wendy; our precarious financial status is now one we can sleep on.

With great respect, we say “Mahalo-nui!!”

Alan & Susie Fayé
Nov 16, 2014
Clients of Wendy Oshiro
My husband and I were faced with financial burdens in our retirement, and we remembered Wendy's ad on a Christian radio program. When we contacted her, we immediately knew that she was the right person to help us. As it turned out, we were right about Wendy because she understood our situation remarkably well and the challenges we were facing as retirees in today's economy. After our initial conversation and first meeting with her, we knew that she worked under very high ethical business practices. Moreover, she was very patient, honest, humble, and a good listener, as well as being very knowledgeable in the field of reverse mortgage. As we began with the due diligence process, we discovered that Wendy was a very approachable person, and it was very easy to ask questions, whereby, she was always available by phone or email. She also diligently spear-headed and expedited our paperwork as much as possible. We were very pleased with the outcome of our due diligence process, and most of all, Wendy continued to hold our best interest at heart aside from her own personal gain. We do not regret selecting Wendy and working with her as our reverse mortgage planner.
Sep 9, 2014
Vice President, Marketing
Wendy is an excellent Loan Originator. Her clients value her honesty and integrity, as well as her knowledge of complex loan programs. She will guide her clients through the best program available.
Aug 8, 2014
For eleven years I've been struggling, cutting corners where ever I could just to stay afloat and to make sure my mortgage got paid regardless of the tough times in this never ending bad economy. A $20.00 increase in electric, water, or a medical co-pay meant $20.00 less in my food budget, it had to come from somewhere! When I had exhausted all means, my ever caring niece referred me to Wendy. If I had died and went to heaven, it was that very moment that Wendy said she could help. If life's hardships drained every once of hope, if sleepless nights and empty days consume you, if you're scared, confused, exhausted every means possible to try to take care of your financial situation, you need to call Wendy Oshiro. I'm certain she can put your mind at ease. While I worried about all the what ifs, Wendy had already taken care of it. Thank you Wendy.
Jul 11, 2014
My name is Mona Perry of Maui and I have had the pleasure of working with Wendy Oshiro on behalf of a friend of mine who was acquiring a Reverse Mortgage Loan. As I am very familiar with mortgage loans, being a home owner myself, this type of loan was very unfamiliar. Although we had never met Wendy prior, working with her the past months has been a wonderful experience where it truly felt we knew her for a very long time. Wendy's knowledge, passion, and caring nature has made what I expected to be a very complex process into one that was very manageable to handle. Wendy is not only thorough, professional, and easy to talk to, she is very accessible when questions arise. This is especially important when you're working with someone on a different island. She goes out of her way to help you through the process, help you to understand what it entails, and makes you very comfortable along the way. I am very grateful to the person who referred us to Wendy and I would highly recommend her to anyone contemplating a Reverse Mortgage Loan. Contact Wendy and you, too, will have the same wonderful experience with her as we did. Sincerely, Mona
May 20, 2014
Yes, Wendy is professional and knowledgeable. Both my husband and I felt that we
could trust her information about such a complex subject as reverse mortgage.

Even after a year since our transaction with her, it is easy for me to pick up the phone and call Wendy to ask questions.
May 15, 2014
I would highly recommend using Wendy Oshiro if you are planning on getting a Reverse Mortgage. I'm 100% satisfied with her professionalism and knowledge of the strict process in obtaining a Reverse Mortgage. From the start to the very end of the process, Wendy will keep you informed of the status of your application and if there is any help she could do for you, she was there 100%. Thank you Wendy for helping me get my Reverse Mortgage approved.
May 13, 2014
Reverse mortgage customer
I would not hesitate to recommend Wendy Oshiro for any financial matter dealing with reverse mortgage .
She is professional, very responsive to questions and knowledgeable .
Takes a personal interest in your situation and makes the entire transaction much easier and understandable .
Jim Wilson
Volcano, HI

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