Wendy Oshiro, CRMP

Branch Manager & Reverse Mortgage Specialist Mutual of Omaha Reverse Mortgage NMLS ID #391477, #1025894
My parents lost their independence a year apart from each other in 2005 and 2006 when they each suffered strokes. Not only were their lives completely changed but so was my own.

My siblings and I became overwhelmed and stressed with the many decisions we had to make regarding their health, finances, and long term care. We didn't have much time to process information and consider options. It all happened fast and too soon.

My dad wished to return home with my mom after rehab but I didn't think we could afford to. A friend suggested a solution that would enable us to convert some of my folks' home equity into cash which we could use to pay for their care. I initially was open to learning more but after hearing that it involved a "reverse mortgage" I immediately shut down the idea. I thought it was a sham.

I sold my parents' home a short time later. It wasn't too long after that when I learned how reverse mortgages actually worked. Unfortunately, it was too late. I regretted not looking into this option more closely for my folks especially since it may have worked for them. I regretted not having considered this options.

Lesson learned. Four months after the sale of their home I became a reverse mortgage specialist. I now teach others how this unique loan really works. I enjoy working with seniors, their families and other professionals who want to know about how home equity may be utilized to give our kupuna the best retirement possible.

Please let me know how I may assist you today. :)

Aloha & Blessings,
Sep 11, 2023
I was in need of helping a friend and living on the mainland, I did not know of any companies in Hawaii that could help me with a reverse mortgage. I did some research and found Wendy Oshiro’s profile and her story.

Her story about helping her parents and how she has dedicated in helping out our older population in the right way, made it very easy for me to have Wendy help us out.

Mahalo Wendy for everything!!!
Jun 6, 2023
I received a quick response when I inquired about a reverse mortgage. Wendy Oshiro took the time, approximately 1 hour to explain the process which was informative. I was given step by step instructions throughout the process which made it easy. The other agencies involved that works closely with Wendy were very helpful and comfortable to work with. My husband and I enjoyed working with all of them and it was a very pleasant experience.
Apr 23, 2023
Wendy took us thru every step effortlessly. We accomplished our mission in a short period of time, and it has been most beneficial to us.
Jan 31, 2023
Kailua, Hawaii
Wendy was extremely thorough and responsive throughout the entire process! She made everything so easy and straightforward with what had been a challenging situation. Thank you Wendy!!
Dec 7, 2022
Aiea, HI
Fast efficient service
Oct 13, 2022
Wendy Oshiro, made it possible for me to get a reversible Morgage, she was very supportive and knowledgeable in cutting through all the red tap we were presented with in the process. Her dogged determination helped me get through rough times. She answered questions and explained documents, so I could understand them. She never gave up not even once. Her personality is outstanding.
I would recommend Wendy Oshiro to anyone contemplating getting a reversible mortgage, she made it feel easy.
Aug 17, 2022
Wendy was very informative and pleasant to work with. Very honest and understanding when I lack information and don't understand what papers I'm given to sign or read. She was a great help in getting papers needed and helping me make copies needed which made things faster and accurate. Will feel comfortable calling her for any help I may need in the future. She's the Best!
Jun 14, 2022
Very happy and satisfied customer
Upon my parents passing, my sister and I became equal owners of their home, where I currently reside.

Recently my sister talked of selling the house because she needed the money. I didn't want to move out and I didn't have the funds to buy her out so I turned to a realtor friend in the hopes of any other options. Reverse mortgage was mentioned but we weren't familiar with how that worked so we were referred to Wendy Oshiro of Mutual Omaha Mortgage.

We are so grateful to have met Wendy. She explained everything we need to know about reverse mortgage, answered all our questions and literally walked us through every step of the process with the utmost patience and all of the while making us feel comfortable and putting us at ease.

Thanks to Wendy everything went through smoothly- and I was able to give my sister her share of the house and am now sole owner of the house. I would definitely recommend Wendy to anyone who inquires about reverse mortgage.
May 27, 2022
I'm so grateful and blessed to have met you. You are a joyous person. That's how I feel about you. Thank you for taking your precious time from your busy schedule. Every time I called you for anything, you always made time for me. Never at anytime you've made me fell like my issues was put to the side. Your kindness and hard work beginning and completing my reversed mortgage is greatly appreciated.

Thank you for your commitment, perseverance and enthusiasm.

You are a Blessing, I'm Blessed and we will Bless others!

Warmest Aloha!
Apr 5, 2022
Wendy is so helpful keep us always informed good crimunication.skill. Honest
Feb 26, 2022
Aloha Wendy thank you so much! You made my experience smooth,easy,and I had fun!!! You are the best!!!.Looking forward to meet you in Kona some day.
Many Mahalos Your friend Chet-------and remember yes you can !!
Feb 23, 2022
My family and I had such an amazing experience with Mutual of Omaha RM. Wendy O. and her team (Vern, Jorge, Jolene, plus more) were so willing to answer our plethora of questions. They gave us their undivided attention, which is really important for elderly "Ohana" like ourselves! Mutual of Omaha deserves the utmost respect as their customer service far exceeded anything we could have asked for. Wendy is a gem, she not only sparkles and exudes radiance, but she emits light by her authenticity, honesty, and strong work ethic. *Get advice from the experts! Please have an open mind and take a leap of faith. You can trust this team in Hawaii. They're truly special in every way imaginable. ~J. H.K. Sutherland
Feb 15, 2022
If it wasn’t for Mutual of Omaha coming to the rescue and pick up the mess AAG did, they were so understanding and professional and worked diligently to expedite our loan for our 100 year old mother! I encourage anyone wanting a Reverse Mortgage to please contact them immediately, their staff is so great to work with Jorge was always on top of things and responsive to calls or emails, also couldn’t have done it without Wendy whom is based in Honolulu Hawaii. It was all done and closed within three months.
Thank you again Jorge and Wendy and don’t forget Matt S he was great thru all of this.
Aug 4, 2021
Wendy Oshiro impressed me very much by her willingness to ensure that my questions and concerns were fully answered to MY satisfaction. She was very pleasant to talk with and I am glad that I had the opportunity to talk with and deal with such an honest and caring person. Thank you, Wendy for your help in understanding the reverse mortgage program.
Jul 18, 2021
HI Resident
I heard Wendy Oshiro on 95.5 The FISH. I decided to contact her and I am sure glad that I did. I am truly grateful to Wendy Oshiro and her great team. They helped us every step of the way to keep our family home. Wendy was kind, caring and prompt in answering all our questions. I would highly recommend Wendy Oshiro and her wonderful team. They’re a Godsend!
Jul 18, 2021
Business Owner
Paige and Wendy are an amazing team. Very knowledgeable, timely and can help with any reverse mortgage situation you may have. They only want what's best for their customers. They will take the time to educate you about the whole process. Highly recommend.
Jul 18, 2021
Allstate Insurance Agent
Paige & Wendy are an amazing team and exemplifies how you should treat your clients. They make sure they understand your situation before making any recommendations and are there every step of the way. I’ve met so many people they’ve assisted in my line of work as an insurance agent and can vouch for their services. I’ve personally known Wendy for well over 15+ years when she did reverse mortgages at a bank we worked at and have witnessed numerous clients get assisted by her. They are amazing people who embodies professionalism, warmth, caring and have years of experience. Highly recommended.
May 29, 2021
We met with Wendy Oshiro of Open Mortgage, LLC regarding reverse mortgages because we were helping a friend. A reverse mortgage seemed to be a long term solution for allowing this friend to stay in the home she grew up in. Wendy was very generous with her time to explain all the pros and cons of a reverse mortgage. She helped to answer questions as we went through the process of applying for the reverse mortgage. She went out of her way to guide and navigate us through obstacles since our circumstances were unusual and we also needed to address and meet new changes in federal and underwriting rules. She was always prompt to respond to our emails, texts and concerns. We learned that Hawaii has only a few reverse mortgage specialists. Wendy Oshiro was a knowledgeable, trustworthy and valuable asset for us. She can be an asset for you also as one of only a few certified reverse mortgage professionals in Hawaii.
May 26, 2021
Wendy was so very helpful and was always standing by to answer any of my questions at a moments notice. Highly recommended. We had a successful closing and I appreciate her VERY MUCH. She was such a positive and upbeat person and made the whole process extremely easy.
May 19, 2021
Thank you for guiding me in getting my Reverse Mortgage. You advised me to wait for January 2021 when the loan limits would increase. This is very different from the regular conventional mortgage so I was not sure what to expect. Thank you for your patience in explaining how it works and the application procedure. It went smoothly and I was so happy when it got approved. Thank you for coming to my home to sign the documents, so convenient! I appreciated your great service and will recommend you to my senior friends!
Nov 21, 2020
For those considering a reverse mortgage especially on Oahu we highly recommend Wendy Oshiro at Open Mortgage.
Initially we were apprehensive about the concept of reverse mortgages but Wendy dispelled our fears. From our first meeting we found her to be very knowledgeable as she explained what a reverse mortgage can provide, its benefits and advantages as well as precautions to consider, documentation we would need to provide, standard fees to expect from all entities involved, the amount we may qualify for, and responsibilities as borrowers. Of the different options available for the reverse mortgage, she helped us decide which would be the best choice for our needs. We asked her to proceed with our application.
Before the application process could go forward we were required to consult a HUD credit counselor who forewarned us that sometimes these applications could take as long as three months. However, Wendy and her team were able to complete the entire process in seven weeks which was phenomenal.
Wendy kept us apprised of the progress of our application each step of the way. She is well informed, experienced, thorough and efficient. She is also very personable and was always available to answer questions and followed up. Working with a local company has its advantages and we were very fortunate to have found a very competent person in Wendy.
Sep 30, 2020
I am so deeply indebted to Wendy for showing me the way through acquiring my reverse mortgage; and bringing me much peace of mind for my future financial needs. I know that if I am ever in need of her assistance in the future, Wendy will be there for me. Her professionalism, knowledge, and compassionate heart made this endevour much easier to accept and achieve. I highly recommend Wendy Oshiro for all your reverse mortgage needs!
Sep 29, 2020
Living in Hawaii especially on the Big Island presents problems when looking for a reverse mortgage. Wendy Oshiro is the best!
She did a amazing job, stayed in contact and was professional but you felt like you were dealing with a friend! I highly recommend her.
Aug 7, 2020
Homeowner in Honolulu
Because so much data has to be absorbed, going through reverse mortgage process can be overwhelming!

I fully recommend Mrs. Wendy Oshiro @ Open Mortgage. Heaven sent! She is trustworthy, patient, accommodating and yes, knowledgeable in her field or Reverse Mortgages. You will appreciate her guidance and expertise as a Certified Reverse Mortgage Professional.
Jun 23, 2020
I am lost with words.....This whole process brought a peace of mind for my mother(who was the one- who signed) but, I was there to provide Wendy with all necessary paperwork through this process.
I had called and met Wendy many.....years ago, was always bogged down with obligations towards caring for my mom's health, safety and wellness but, finally I saw Wendy with another client , just coincidentally and that was the sign to me to move forward!
Wendy was in constant contact and communicating- giving us all options and what would be "BEST" FOR MY MOTHER and her wishes.
Wendy is "local" which gave me a "piece of mind" knowing that her endeavors were legitimate.
The reverse mortgage is regulated by the government ensuring that especially, "our seniors" are NOT taken advantage of or scammed. There is an interview done also, to ensure that the person who is applying for the reverse mortgage understands what it is all about.
For those considering for a reverse mortgage, I HIGHLY RECOMMEND IT!
Our parents or seniors have worked very hard all of their lives for their homes and it is about time that their homes can take care of them. It is a "win, win" situation because for us, as their children, it gives us a peace of mind that money is no longer an issue as before.
You also, will be happier and enjoy life a lot more!
Please call her and see what she is all about!