About Jennifer Coutts

Homebridge Mortgage Loan Originator in Honolulu, Hawaii
Jennifer Coutts (NMLS #355313) is a Mortgage Loan Originator for Homebridge offices on Oahu, Big Island, Maui and Kauai.

She has 20 years of experience in the mortgage industry. She has worked as a Branch Manager/Mortgage Loan Originator at Prospect Mortgage, IndyMac Bank and Charter Funding. She has a Bachelor of Arts in Political Science from Cal Poly San Luis Obispo. Born and raised in Modesto, California, Jennifer moved to Hawaii in 1991 and currently resides in Hawaii Kai with her husband Andrew and dog-son Brody.

“I love helping people achieve their homeownership goals and providing the best financing option for their situation; structuring the loan and working with numbers, and meeting new people,” Jennifer said. “It’s an honor to help someone become a homeowner. I enjoy working as a team as well.”

Contact Jennifer Coutts Anytime

Feel free to contact Jennifer anytime by phone or email for personalized service and expert advice. Jennifer Coutts will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Jennifer Coutts is 203(k) Renovation Lending Certified

Jennifer is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Jennifer Coutts values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Jennifer by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.

What Our Customers Say About Me

Belgica H. December 2018
“Personal service. Fast return of calls.”
Hannah T. December 2018
“Everyone has been very nice and helpful. Great people to work with!”
John R. October 2018
“Jennifer is amazing! Fast, accurate and friendly.”
Eric W. October 2018
“Jennifer and her team are amazing. Great communication and fast responses.”
Robert S. September 2018
“No issues, friendly service.”
David K. April 2018
“Everyone was very professional, courteous and helpful.”
Jonathan P. March 2018
“Jennifer has been extremely helpful throughout the loan process. She is very professional and kind.”
Luanne T. March 2018
“Jennifer was outstanding! The best service ever!”
William B. January 2018
“Jennifer has worked on our organizing our financing for this purchase for about a year!”
Sean F. November 2017
“She is very helpful and prompt in answering our questions.”
Siamanave D. November 2017
“We are satisfied with customer service.”
Natalia G. October 2017
“It is my second time working with Jennifer and I will always come back.”
James W. Kaneohe, HI
“Worked through exhausting and unexpected Fannie Mae requirements.”
Shawn S. Honolulu, HI
“Very nice and professional. Also very patient.”
Craig C. Koloa, HI
“Very good and consistent follow up... made it easy.”
Corrin G. Lahaina, HI
“This is the second time we worked with Jennifer Coutts. She is great! Always on it with follow-up and makes the process easy.”
Monique B. Kihei, HI
“She was very helpful and informative.”
Corey Y. Kailua Kona, HI
“She kept in contact with me during my busy schedule to help me be as ontop of completing the loan process as I needed to be.”
Sylvia W. Kailua Kona, HI
“She is so great at following through!”
Lynn R. Captain Cook, HI
“She delivered within her time frame with no surprises!”
Melissa M. Honolulu, HawaiI
“She did a great job.”
Mia C. Kapaa, HI
“Quality first class service! Thank you.”
Puna K. Waimanalo, HI
“Jennifer was very informative and pleasant to work with.”
Maxie W. Kalaheo, HI
“Jennifer is AMAZING!!! We own quite a few properties and none of them have been as easy to close as the 2 we '”
Lori O. Kailua Kona, HI
“Jennifer is the best Loan Officer I'”
Sylvia W. Kamuela, HI
“Jennifer rocks. She really listened to my needs and was available whenever I had a question.”
Sylvia W. Kailua Kona, HI
“Jen Rocks!”
Nalani H. Kailua Kona, HI
“Jenifer stuck with us through two difficult escrow'”
Erich W. Kaneohe, HI
“Jenn was very professional and explained everything very well to us.”
Stason B. Waikoloa, HI
“Jennifer Coutts and her team have been a dream to work with. Efficient, courteous, knowledgeable and slew of other AMAZING adjectives are due to her and her team!”
Gail S. Kihei , HI
“Jennifer Coutts did a great job and was easy to communicate with. Being the Sellers'”
Brenda C. Waimea, HI
“Jennifer Coutts is always quick to respond to Buyer and Realtor needs! She is the best!!!”
Carolyn B. Lihue, HI
“Jennifer Coutts was wonderful and always available to answer my questions.”
Peter I. Honolulu, HI
“Jennifer Coutts, gave me excellent service and good communication skills along with quick response. What else could I ask for? Shes number one. I will always use her services when I need it. Great Job. Mahalo.”
Lori O. Kailua Kona, HI
“Jennifer did an awesome job as always, she's the best in the business.”
Tina H. Kaneohe, HI
“I absolutely love Jen! She is so easy to work with, I basically just call her and she does the rest. This is the third time working with her and she makes the process so easy. She is the best!!”
Paul B. Kailua Kona, HI
“Handled business!! No problems. Great communication.”
Pamela T. Wailuku, HI
“Buying my first home in over 15 years has proven to be a most wonderful experience with working with Jennifer and team. They helped make my dream come true!”
Lori O. Kailua Kona, HI
“Always excellent service. Jennifer is the best lender to work with knowledgeable, available and easy to work with. I refer all my buyers to her because I know the job will get done.”
Karen I. Ocean View, HI
“All was great”

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