Koa Chai

Loan Officer Homebridge Honolulu NMLS: 857472
May 20, 2020
We just completed our refinancing process with Koa and had an awesome experience. Koa was professional, diligent, persistent and determined to get us the best rate on the market during these difficult times. His knowledge & expertise of the mortgage industry is incomparable to anyone we have worked with in the past. When you are looking for someone to handle your finances, you need to trust them and we felt very comfortable and taken care of with Koa. He constantly provided different options that suited our needs, which allowed us to make the best decisions for our situation. His thorough explanation of every step along the process combined with his attention to detail made the whole refinancing experience very smooth and easy for us. We really feel Koa went above and beyond for us and if we ever need to refinance again, there would be no question Koa would be our man. We will be recommending him to all of our friends and family needing assistance with their loans. Thank you Koa! 
Apr 27, 2020
Refinance/Legacy Client
Koa has always been the best to work with on for your mortgage needs. We have been through multiple real property transactions throughout our home ownership lives using various mortgage brokers however Koa is by far the best we've worked with. Koa helped us with the purchase of our current home as well as two refinances. This latest refinance showed and proved why Koa is top notch. In an extremely difficult credit environment, Koa showed calm and skill in navigating the new pitfalls brought upon by the COVID impacts to the industry. We feel very blessed to have been able to complete our refi and it's all because of him. Thank you very much Koa!
Jun 14, 2019
It was such a pleasure working with Koa. Everything went smoothly. He was always there to answer any questions we have and everything was done in a timely manner. He made my first time home buying experience a fun one. We couldn’t have asked for a better service. Thank you so much for all your help, Koa!
Jun 12, 2019
Home Buyer
Koa has been my lender for many years and has provided excellent service on multiple mortgages and refis for me and my family. He always goes above and beyond; on more than one occasion having to patiently navigate complex situations and figuring out the best solutions and strategies to get through the process as efficiently as possible. I have come to trust Koa for all my lending needs and don't even bother "shopping around" as I know no one will give me better service.
Jun 10, 2019
Home Buyer
Koa is such a great example of the mortgage industry. He is prompt, professional, and capable. When buying a home you want to be confident in what you are doing and Koa helps you do that. Mahalo Koa!
Jun 4, 2019
Koa is the best! I've worked with him on three transactions, and he always came through with the best terms. Each time, he provided multiple scenarios, and guided me to make an educated decision. He knows what he's talking about, and made sure I completely understood the details as well. He helped me through each step and made the entire process as smooth as possible. I highly recommend Koa!
Mar 22, 2019
Optometric Assistant
Koa is the best! He helped us close on our first home in less than 30 days! My husband and I are currently living on different islands and both needed to sign documents. Without hesitation, Koa flew himself to me so I could sign in time for closing before my Europe trip! He is smart, honest, personable, efficient, and explains everything in great detail. We couldn’t have done it without him. We HIGHLY RECOMMEND!!
Sep 16, 2018
Realtor - PEMCO Realty, Inc.
Koa’s consistently raises the bar, for everyone of my clients. Each transactions, each client, handled with expertise and Aloha. Myself, as well as my clients benefit tremendously with Koa Chai and his team at HomeStreet Bank! Mahalo, again, for another successful closing! 🌺
Sep 14, 2018
Clinical Pharmacist
Koa facilitated a very smooth and efficient loan process for me. He was quick to respond to any questions I had and kept me up to date along the way. It was a pleasure working with Koa Chai!
Sep 13, 2018
Broker - Blue Mango
Koa's level of hustle and creativity to get loans done are beyond anyone we've worked with. There is never a question of whether our loans will go through. Our clients love working with Koa because he is personable, efficient, and quick to reply.
Aug 28, 2018
Koa has helped my wife and I with two loans (one in Honolulu and one in Seattle). He is a professional that pays attention to detail, and turns over every stone to make sure that you have the best deal. I enjoy working with Koa because he gets the job done and he is very personable. He was able to get us very favorable loan terms.

My mother works at a real estate business in Honolulu and Koa has helped many of her clients with home loans. They have worked on dozens of loans with Koa, and can't say enough good things about him, which is why my wife and I hired him. We had a very good experience, and would recommend his services to anyone.

Aug 23, 2018
Koa has done an outstanding job on helping us with a home. We have worked with him twice, in two different states. He communicates well and makes sure transactions run smoothly. Works very fast to make sure transactions close on time and explains everything thoroughly.
May 24, 2018
Program Manager
I highly recommend Koa. As a first time homebuyer, I found Koa to be extremely helpful as he patiently explaining the details of the entire paperwork process to me in a non-intimidating way. Throughout the entire home buying process I never felt confused because Koa took the time to explain everything and promptly answered all of our questions every step of the way. He truly cares about obtaining the best outcome for his clients. Mahalo nui Koa for making purchasing a home as stress free as possible for my partner and I.
Apr 30, 2018
Clinical pharmacist
Professional and friendly on top of being highly efficient; with his help I was able to close on a property within a month. Always easy to reach and always ready to answer questions. I highly recommend Koa to anyone looking for a mortgage.
Mar 25, 2018
Koa was very helpful and patient and efficient. He explained everything to me, was always prompt to answer my inquiries, no matter the time of day. I would highly recommend his services for your home buying needs.
Mar 13, 2018
Highly recommend! Good communicator. FAST!
Mar 7, 2018
Manager Delta Air Lines Sky club
I have purchased and sold several home thru out the US over the last 30 years. Using mainly large lending banks. We have been dragged thru the mud and it has always been a nightmare even though we have great credit.

Since moving to Honolulu, we have used Koa Chai in 2 loans over the past 2 years. Both transactions were smooth and efficient. Koa would always return my calls, emails, or text promptly. We were able to close on our last condo early and the transaction was stress free. I have recommended Koa to other people as I appreciate his work ethics and calm personality.
Mar 7, 2018
As a Realtor, I had worked with a lot of lenders before, but I chose Koa for my own home purchase/mortgage loan assistance. He has given me the guidance and confidence throughout the escrow and explained step by step to me. I highly recommend Koa to anybody from first time home buyers to people with a lot of experience in real estate purchases and sales. He has extensive knowledge not only of Mortgage Loans, but also Real Estate in general.

Mari Hirano
List Sotheby’s International Realty
Mar 5, 2018
Brigadier General, U.S. Army Retired
Koa Chai is an outstanding loan officer with HomeStreet Bank. He handled my mortgage application without problems. I was very happy with his professionalism and the way he worked with me. He is very knowledgeable and very efficient in his job, and works very well with people. He is definitely a people person. I strongly recommend Koa for qualified positions he may be interested in.
Mar 1, 2018
Well let me start by telling you what Koa did for me. I went to other banks and all they did was try and rush things through and not explain and throw numbers at you. He walked me through the whole process from the beginning to the end.

Thank you Koa Chai............🤙🤙🤙🤙
Nov 13, 2017
Director, London Program
Koan Chai has now assisted me in obtaining two loans for my home during the past two years. The process went smoothly and Koa was clear about what documents were needed and was creative in helping me put together a package so I could qualify. I recently refinanced this loan to a lower mortgage rate due to the low rates available this fall. When one loan type did not work, Koa worked with the bank to find another type of loan that would work for my needs. Koa is helpful, creative and honest and is very good at responding to e-mails quickly. If you want a loan handled well and want to be informed during the process, Call Koa for your loan.

My Associations