With over three decades in mortgage lending, including origination, management, ownership & underwriting, Tim has the knowledge & experience to navigate the most challenging transactions, including Conventional, FHA, VA & Jumbo financing.   Tim enjoys developing strong real estate agent/client relationships & offering ‘out of the box’ thinking in mortgage solutions for individuals purchasing primary residences, second homes or investment property. He also specializes in ‘partnering’ with developers and their sales staff in implementing strategic plans for new development projects.

Sales Manager/VP of Mortgage Lending

Tim O'Leary is your Honolulu local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tim is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tim at (808) 227-1199 for more information!

Tim O'Leary at Rate (NMLS #316266)

I have been originating loans since 2001. I am an expert in all home-loan types including Conventional, Jumbo, VA, FHA, USDA. I specialize in Jumbo Financing and higher balance VA loans in California, Nevada, Oregon, and Hawaii. I am an expert on all of the many Jumbo loan products and can help sophisticated buyers get the loan option that is best for their situation.




Since 2001 I have been helping Veterans and their families take advantage of their VA home loan benefit. As a proud partners of the USO* to help increase Veteran Home Ownership, Rate has waived our lender fee for all VA loans through the end of 2022**




I will always make sure my customers understand all their options and always be available by phone, email and text to answer your home financing questions.




With the low housing inventory, I encourage all buyers to take advantage of GR's PowerBid Approval. This program aims to get you to a full-underwriting credit approval BEFORE you shop. This allow us to show sellers that you are serious as a buyer and in position for a faster closing… you can even compete with cash buyers. Please apply now to get started or contact me for details.




* *United Service Organizations, Inc. (USO) is a non-profit 501(ϲ)(3) organization (EIN/Tax ID: 13-1610451) and not part of the Department of Defense (DoD). ** Waived $1440lender fee available for VA loans that have a triggered RESPA app date as of January 1, 2022 through December 31, 2022 at 11:59pm EST*. This offer does not extend to Housing Finance Agency loans. 'Triggered RESPA' in accordance with Regulation X, is defined as lender receipt of all six pieces of information received in a secure format; applicant name, property address, home value, loan amount, income and SSN. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Offer not available from any d/b/a or operations that do not operate under the Rate name. Restrictions apply. *****PowerBid Approval (the "Approval") is contingent upon receipt of executed sales contract, an acceptable appraisal supporting value, valid hazard insurance policy, and a re-review of your financial condition. Rate, Inc. reserves the right to revoke this Approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation and/or if any information contained your application is untrue, incomplete or inaccurate. Receipt of an application does not represent an approval for financing or interest rate guarantee. Not all applicants will be approved for financing. Restrictions may apply, contact Rate for current rates and for more information.*Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

VP of Mortgage Lending

Steven Penske is your Honolulu local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Steven is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Steven at (808) 339-3927 for more information!

Steven Penske at Rate (NMLS #379410)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

SVP of Mortgage Lending

Joy Skorge is your Honolulu local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Joy is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Joy at (808) 650-2151 for more information!

Joy Skorge at Rate (NMLS #310887)

Aloha! I'm your go-to mortgage lending buddy with a decade-long track record of helping families make their homeownership dreams a reality. As someone who was born and raised in Hawaii, I have a deep connection to the islands and am enthusiastic about showing my fellow islanders that owning a home in paradise is not only possible, but also a delightful experience.


Everyone's journey is unique, and I genuinely enjoy guiding families through customized solutions that fit their needs. There's nothing quite like the feeling of accomplishment and relief as they check off this major life milestone. Our team's dedication to speed and efficiency means you'll benefit from same-day preapprovals as well as same-day, fully underwritten approvals once in escrow, making the entire process a breeze.


But our partnership goes beyond just sealing the deal. I'll be your long-term mortgage companion, keeping an eye on your investment and looking for ways to minimize your payments and tap into your home equity to achieve other goals, like home renovations or debt reduction.


With me on your team, you'll feel like you have a friend in the business, guiding you through options and helping you make informed decisions every step of the way. When I'm not working my mortgage magic, you can find me spending quality time with my family, leveling up in video games with my better half, or indulging in a scrumptious bowl of curry.


So let's tackle this exciting journey together – with a mix of confidence, swiftness, and simplification, we'll make your dream of island homeownership come true!

Producing Sales Manager

Justin Enos is your Honolulu local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Justin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Justin at (808) 294-7900 for more information!

Justin Enos at Rate (NMLS #1147361)

I was born and raised in Hawaii and grew up in Palolo Valley. My high school alma mater is Kaimuki and I graduated from the University of Hawaii with a degree in Mathematics. I have been in the mortgage industry for over 23 years. When not working I enjoy time with family, traveling, and playing tennis.

Leonard Loventhal is your Honolulu local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Leonard is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Leonard at (808) 650-2146 for more information!

Leonard Loventhal at Rate (NMLS #318109)

Kinnie Lang brings two decades of mortgage experience to Rate. She is dedicated to facilitating her clients in achieving their dreams of becoming homeowners. Her success in the mortgage business is her personal dedication to her clients and ensuring each loan is seen through to closing.  In 2000, Kinnie began her mortgage career in San Diego, CA where she worked for various title/escrow companies and financial institutions and eventually began running her own mortgage loan processing company.   In 2010, Kinnie’s husband received orders from the U.S. Navy to Hawaii. Thus, beginning her career in Hawaii at a bank. Most recently, she was Vice President and Executive Loan officer. As a top producer, she achieved many accolades to include Chairman Circle and being voted Honolulu Magazine’s “Best In Real Estate” for 2013, 2014, 2018 and 2019.  In her spare time, you can find Kinnie at the beach spending time with her husband, son and two golden retrievers.  Moto to live by: “Nothing is impossible; the word itself says ‘I’m possible’!” – Audrey Hepburn

Kinnie Lang is your Honolulu local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Kinnie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Kinnie at (808) 460-7970 for more information!

Kinnie Lang at Rate (NMLS #422217)

Nick Adey is your Honolulu local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Nick is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Nick at (808) 304-3283 for more information!

Nick Adey at Rate (NMLS #836894)

Justin Guedon is your Honolulu local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Justin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Justin at (808) 379-3941 for more information!

Justin Guedon at Rate (NMLS #1466415)

Producing Sales Manager/VP of Mortgage Lending

Zelda Medina is your Honolulu local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Zelda is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Zelda at (808) 650-2194 for more information!

Zelda Medina at Rate (NMLS #316261)

Honolulu

<section class="footer" style>
    <div class="footer__topDivider">
        <div class="footer__linkpacK">
            <div class="footer__linkpack__column">
                <p><strong>Manage your mortgage</strong></p>
                <ul>
                    <li><a title="footer: sign into your account" href="https://login.rate.com/" data-track="mortgageFooterNav-signin" rel="nofollow" target="_self">Sign in to your account</a></li>
                    <li><a title="footer: pay your mortgage" href="/servicing" data-track="mortgageFooterNav-pay-mortgage" rel="nofollow" target="_self">Pay your mortgage</a></li>
                    <li><a title="footer: contact us" href="/contact-us" data-track="guaranteedrateFooterNav-contact-us" rel="nofollow" target="_self">Contact us</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>About us</strong></p>
                <ul>
                    <li><a title="footer: about Rate" href="https://www.rate.com/about-us" data-track="guaranteedrateFooterNav-about-us" rel="nofollow" target="_self">Overview</a></li>
                    <li><a title="footer: our core values" href="https://www.rate.com/about-us/core-values" data-track="guaranteedrateFooterNav-corevalues" rel="nofollow" target="_self">Core values</a></li>
                    <li><a title="footer: leadership" href="https://www.rate.com/about-us/leadership" data-track="guaranteedrateFooterNav-leadership" rel="nofollow" target="_self">Leadership</a></li>
                    <li><a title="footer: press" href="https://www.rate.com/news" data-track="guaranteedrateFooterNav-press" rel="nofollow" target="_self">Press</a></li>
                    <li><a title="footer: Our Foundation" href="https://www.rate.com/about-us/gr-foundation" data-track="guaranteedrateFooterNav-foundation" rel="nofollow" target="_self">Our Foundation</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Careers</strong></p>
                <ul>
                    <li><a title="footer: loan officer careers" href="https://www.rate.com/careers/loan-officers" data-track="guaranteedrateFooterNav-loan-officers" rel="nofollow" target="_self">Loan officers</a></li>
                    <li><a title="footer: careers at GR operations" href="https://www.rate.com/careers/operations" data-track="guaranteedrateFooterNav-operations" rel="nofollow" target="_self">Operations</a></li>
                    <li><a title="footer: careers at GR tech" href="https://www.rate.com/careers/gr-tech" data-track="loantypesFooterNav-gr-tech" rel="nofollow" target="_self">Tech</a></li>
                    <li>
                        <a title="footer: all open positions at Rate" href="https://www.rate.com/careers/open-positions" data-track="guaranteedrateFooterNav-all-open-positions" rel="nofollow" target="_self">All open positions</a>
                    </li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Websites</strong></p>
                <ul>
                    <li><a title="footer: GR insurance" href="https://www.rate.com/insurance" data-track="guaranteedrateFooterNav-Insurance" target="_blank">Rate Insurance</a></li>
                    <li><a title="footer: advocus title" href="https://advocustitle.com/" data-track="guaranteedrateFooterNav-Advocus-Title" target="_blank">Advocus Title</a></li>
                    <li><a title="footer: agent advantage" href="https://agents.rate.com/" data-track="guaranteedrateFooterNav-Agent-Advantage" target="_blank">Agent Advantage</a></li>
                </ul>
            </div>
            <div class="footer__linkpack__column">
                <p><strong>Connect with us </strong></p>
                <p>
                    <a class="footer__linkpack__social" aria-label="social-youtube" href="https://www.youtube.com/@Rate_Official"><i data-testid="font-icon" class="rc-font-icon font-icons-social-youtube " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-instagram" href="https://www.instagram.com/guaranteedrate/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-instagram " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-linkedin" href="https://www.linkedin.com/company/rate-official/"><i data-testid="font-icon" class="rc-font-icon font-icons-social-linkedin " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-twitter" href="https://x.com/guaranteedrate"><i data-testid="font-icon" class="rc-font-icon font-icons-social-twitter " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a> <a class="footer__linkpack__social" aria-label="social-facebook" href="https://www.facebook.com/official.Rate"><i data-testid="font-icon" class="rc-font-icon font-icons-social-facebook " aria-hidden="true" style="font-size:var(--font-size-large)" data-reactroot=""></i></a>
                </p>
            </div>
        </div>
        <div class="footer__griLinks">
            <div class="footer__grLinks__links">
                <p>
                    <a title="footer: accessibility" href="https://www.rate.com/accessibility" data-track="footerFullWidthMenu1-accessibility" rel="nofollow" target="_self">Accessibility</a> |
                    <a title="footer: licensing" href="https://www.rate.com/licensing" data-track="footerFullWidthMenu1-licensing" rel="nofollow" target="_self">Licensing</a> |
                    <a title="footer: notice to vendors" href="https://www.rate.com/notice-to-vendor" data-track="footerFullWidthMenu1-notice-to-vendors" rel="nofollow" target="_self">Notice to Vendors</a> |
                    <a title="footer: privacy policies" href="https://www.rate.com/privacy" data-track="footerFullWidthMenu1-privacy-policies" rel="nofollow" target="_self">Privacy Policies</a> |
                    <a title="footer: sms terms " href="https://www.rate.com/sms-terms" data-track="footerFullWidthMenu1-sms-terms" rel="nofollow" target="_self">SMS Terms</a> |
                    <a title="footer: terms of use" href="https://www.rate.com/terms" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">Terms of Use</a> |
<a title="footer: DNC" href="https://dih4lvql8rjzt.cloudfront.net/cms/aef46f19-6a80-4a9d-8d50-e4d06e89b8a1_GR-DNC-Consumer-Policy.pdf" data-track="footerFullWidthMenu1-terms-of-use" rel="nofollow" target="_self">DNC</a> |
                    <a title="footer: nmls consumer access" href="http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2611" data-track="footerFullWidthMenu1-nmls-consumer-access" rel="nofollow" target="_self">
                        NMLS Consumer Access
                    </a>
                </p>
            </div>
            <div class="footer__grLinks__logo">
                <p>
                    <a href="/">
                        <img
                            alt="Rate Logo"
                            data-src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            src="https://images.contentstack.io/v3/assets/blt4bf507db5c9bc5ae/blte08c31bfeb347f39/65027cfd9bcd1bdc631d027c/5min_rateLogo.svg"
                            width="98"
                        />
                    </a>
                </p>
            </div>
        </div>
        <div class="footer__disclaimerLinks">
            <p>
                <a href="https://www.rate.com/delaware-licensed-loan-officers" data-track="footerFullwidthMenu2-delaware-licensed" target="_self">Delaware Licensed Loan Officers</a> |
                <a href="https://www.rate.com/texas-consumers-how-to-file-complaint" data-track="footerFullwidthMenu2-texas-consumers" target="_self">Texas Consumers: How to file a complaint</a> |
                <a href="https://privacyportal.onetrust.com/webform/168096e5-faa8-4fdd-a479-992231adbdc1/70bd9394-cadd-46fa-8eaf-11c1f5523029" data-track="footerFullwidthMenu2-do-not-sell" target="_self">
                    Do not sell my personal information
                </a>
            </p>
            <p class="footer__disclaimerText">
                Please note that applications, legal disclosures, documents or other material related to Rate products or services promoted on this page are offered in English only. The Spanish translation of this page is for the convenience of our clients; however, not all pages are translated. If there is a discrepancy between the content of the translated page and the content of the same page in English, the English version will prevail.
            </p>
<p>
Guaranteed Rate, Inc. d/b/a/ Rate may choose to recommend Rate Insurance, LLC. Guaranteed Rate, Inc. d/b/a/ Rate has 100% ownership and a direct or indirect financial interest in Rate Insurance, LLC. You are not required to use Rate Insurance, LLC.
</p>
<p>
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply. 
</p>
<p>
Savings, if any, vary based on the consumer’s credit profile, interest rate availability, and other factors. Contact Rate for current rates. Restrictions apply.
</p>
        </div>
        <div class="footer__housinglogo">
            <p>
                <img
                    alt="Equal Housing Lender Badge"
                    data-src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    src="https://dih4lvql8rjzt.cloudfront.net/cms/4a0cbd28-6f93-44e8-a5e4-a52e9ce30ee2_EqualHousingLender.svg"
                    width="136"
                    height="29"
                    style="width: 136px; height: 29px;"
                />
            </p>
        </div>
        <div class="footer__grInfo">
            <p>
                Copyright © 2024 Guaranteed Rate, Inc. D/B/A Rate. All rights reserved.<br />
                NMLS License #2611 - For licensing information, go to: <a href="https://www.nmlsconsumeraccess.org">www.nmlsconsumeraccess.org</a><br />
Arizona Mortgage Banker License #0907078<br />
                3940 N. Ravenswood Ave Chicago, IL 60613 
<br>
Operating as Guaranteed Rate, Inc. in New York.
<br>
The company name, Guaranteed Rate, should not suggest to a consumer that Guaranteed Rate provides an interest rate guaranteed prior to an interest lock.
            </p>
        </div>
    </div>
</section>


9 Loan Officers in Honolulu, HI