About Koa Chai

Early on in my career, I realized the value of following through on my commitments, responding in a timely manner, and making sure my clients were happy. With over a decade of lending experience, I’ll help you make the right financial choices and ensure your mortgage experience is smooth and comfortable.

Born and raised in Hawaii
Graduated Punahou School

Graduated from the University of Washington with a Bachelors of Science and Minor

Former President’s Club award winner in recognition for top producer

Over 20 years in mortgage banking experience

“Koa did a great job to fulfill our dream of living in Hawaii by arranging the most smooth mortgage transaction.”
– Nobutaka Ashihara, President – Nobutaka Ashihara Architect (www.naa-arch.com)

“Homebridge gave me that personal touch and attention to detail that I don’t think I would have received from any other mortgage lender. Koa Chai explained the entire process to me, was very patient with my millions of questions, and made me feel very comfortable through what could have been a stressful experience. I placed bids on several places and Koa worked closely with my realtor to provide updated bids in a timely manner — one time even completing a bid when he was extremely sick with the flu. He carefully kept track of the market and moved quickly to lock me into a favorable rate when the rates were going up, resulting in a monthly mortgage payment that I’m very happy with. I couldn’t be happier with Homebridge and Koa Chai.”
– Lee Miyasato

“How do express my appreciation and gratitude to Homebridge and especially Koa Chai. After five years of trying to reduce the interest rate on my mortgage I was finally referred to Homebridge. Koa Chai listened to my situation and made me feel that maybe there was light at the end of the tunnel. Imagine my initial distrust that someone was willing to help me in my situation, especially after five years dealing with three local banks. One bank asked for a deposit before they could even look at my application. Another bank verbally approved me, asked for a deposit, scheduled a closing date and one day prior to closing cancelled the closing and denied my loan. One other bank actually suggested I sell my property. I have always paid my mortgage on time and by modifying my loan my payments were greatly reduced. Homebridge saw the sense in this, took my application, and did not ask for a deposit. I did not feel like just another commission. I feel that Koa Chai was truly concerned and so helpful. He kept me informed every step of the way. I would trust him and Homebridge with all my financial needs and I will surely refer anyone looking for mortgage financing.
Mahalo, F.Barnett”

What Our Customers Say About Me

Kiley S. Apr-22
“Koa was phenomenal. As first time homebuyers, he let us know that he would keep us informed on each step of the process and what would be required of us in subsequent steps. His constant information updates helped us to set expectations for the process. We will definitely be working with Koa on our next purchase, hopefully in 5-7 years!”
Jacob P. Mar-22
Leimomi D. Feb-22
“I was absolutely impressed by the professionalism and responsiveness of Koa and Amanda! They were great about keeping me well informed throughout the process and they were both so incredibly patient and kind. This was my first mortgage experience so I relied heavily on their guidance and experience. They did not disappoint!! Buying a first home can be very scary, but Koa and Amanda made things so easy. They were always available to answer any questions I had and I never felt like an inconvenience. They genuinely cared about my home buying experience being a positive one, and I'm grateful they helped make that possible! I highly recommend this team.”
Sherry M. Feb-22
“Koa has helped me twice. I wouldn't want to use anyone else. He is the best!! Mahalo nui, Sherry M.”
Deann N. Jan-22
“Hands down the best loan officer to work with. He will pick up the phone and talk to you throughout the week, even on weekends!”
Lani K. Jan-22
“Koa Chai is not only professional and thorough, but I also found him to be compassionate and helpful in answering my questions and guiding me through the loan application process. Because he and his team, especially Amanda Sneve, took great care with the documentation and reviewed all the paperwork carefully, I have added confidence in knowing my mortgage is solid and secure.”
Parker J. Jan-22
“Koa was awesome. He updated me every step of the way and was always there to answer questions and concerns. I appreciated the email updates with quick videos on next steps. These were very easy to view and understandable. I hope to finance another home in the future and will definitely use Koa! I've already recommended Homebridge to a few friends and will continue to. ”
Tony S. Sep-21
“Koa and his team was very professional, kept me well informed, made themselves available to me anytime I had a question or concern, checked in on me regularly to ensure I was understanding and having a positive experience throughout the process, and made my home buying experience very enjoyable and one that I will never forget.”
Carolyn V. Aug-21
“Koa was very helpful and found the loan I need for my specific property. He made sure I had a clear list of documents needed for the process. He was available all the time even after hours when I had questions about the escrow process. He explained items I did not understand. I would highly recommend him. My friend decided to use someone else for her loan and now she is STILL waiting to close her loan. She will use him next time.”
Danny T. Jul-21
“Koa was very helpful and kept me informed throughout the entire loan process. I would recommend him to anyone I know in a second.”
Searle G. May-21
“Koa Chai displayed a relentless work ethic and resolved every issue in the loan process with professionalism and tact. I've worked with countless loan officers in both purchases and refi's of real estate over the last forty-five years and I have to admit he is by far the best of the best. I will definitely use him for any future transactions will be recommending him to all of my family and friends.”
WIlliam K. Apr-21
“Koa Chai is very knowledgable and easy to work with. He assists you every step of the way. Particularly in Hawaii, where some of us have to deal with the Department of Hawaiian Homelands, its very difficult to even find a lender who will work with this type of properties. Koa is an expert and makes you feel comfortable and secure.”
Samasoni T. Apr-21
“Koa was incredibly responsive and was always available day or night to answer my questions. He was instrumental in helping us understand the ramifications of each offer we submitted. He explained the Jumbo loan threshold and made sure we ended up was a loan amount that would allow our family continue with our lifestyle and not be burdened by our monthly payments. I've purchased two homes prior to this and Koa was the most informative, knowledgeable and professional. Koa was amazing and I will use him if we ever need to buy another home.”
Suzy T. Mar-21
“Koa Chai and Arrielle Adams is amazing! I've talked to 3 other loan originators, and he/she is far above them all. I would definitely recommend them to family and friends!! they are very prompt and explains everything very well!”
Danna L. Mar-21
“Thank you for all the information provided in refinancing my home loan, beginning with the initial phone call. I am grateful for this experience as I journeyed through the entire process. Will recommend Homebridge”
Paul C. Jan-21
“Koa Chai was great! Detailed, informative, responsive to questions and timely through the whole loan process.”
Nalani A. Jan-21
“My inexperience with the ins and outs of downloading and uploading documents on the computer was a very large learning curve! It was initially frustrating until i got familiar with the process, and in the end it saved me travel time and parking fees to complete this loan process. Koa was so patient with me, reminding me of forms to sign and docs to submit. ”
Chui Shan C. Jan-21
“Thank you for a smooth process!”
Derek M. Dec-20
“Once again, Koa Chai is fantastic! We followed him from his previous company to Homebridge Financial Services Inc. This is our third transaction with Koa in 10 years. He is professional, extremely responsive and personable.”
Scott A. Dec-20
“Koa's service, from beginning to end, was exemplary and I?ve already recommended him to a friend. I will recommend him to others as well. He?s very knowledgeable, very friendly, very responsive. He listens very well and, I felt, worked really hard to get me refinanced as quickly as possible and with the best rate. My only frustration was how much documentation was required and how long the entire process took. However, I know those items were beyond his control and, in large part, due to the results of the pandemic. Whenever I had a question, he replied within the hour--usually within minutes. Completely satisfied with, and thankful for, his work!”
Amy C. Dec-20
“Taking out a home mortgage can be very stressful and complicated, but working with Koa has taken the stress out and He explains everything in terms that we can understands. He returned our calls or emails very quickly and is always pleasant. We always seemed to be ahead of schedule and the closing went very smooth. We appreciated that he took the time to be at our closing. Its staff members like Koa that puts Homebridge above its competition.”
Carlos M. Sep-20
“Koa Chai was amazing and wonderful to work with. Walked us through every step and stayed patient with us. Thank you again for everything!!”
Kekaiokalani G. Sep-20
“Koa was great to work with, very knowledgable and I would highly recommend him to other clients. Mahalo nui”
Michelle Miriam P. Jun-20
“It was very easy working with Koa and he was very responsive to my emails and my questions throughout the entire process. I really appreciate his dedication to ensuring my questions/concerns and needs were met. Everything went so smoothly. Thank you again Koa!”
Amber F. Jun-20
“Koa Chai is the best! He made everything so easy and explained everything very well.”
THOMAS G. May-20
“Koa Chai was a pleasure to work with. He was always professional and informative.”
Kawika M. – May 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!”
THOMAS G. May-20
“Koa Chai was a pleasure to work with. He was always professional and informative.”
Williamson C. Apr-20
“Koa was great--read the last entry--he did some Wall Street style imaginative financing to save my loan after the lender closed up shop suddenly in the midst of the Pandemic. I was left totally hanging except Koa and Homebridge brought all their resources and connections to bear to help get the same sized jumbo loan at one percentage point lower in terms of an interest rate--an unbelievalable 3.2 percent instead of 4.125 --true magic. Got the house of my dreams thanks to Koa and Homebridge.”
AVERY C. Apr-20
“I am very thankful I got to meet and work with Koa. He was very patient with me and knew I didn't like doing the steps via computer. Requsts he made (necessary documents) was explained very clearly to me. I would definitely refer family and friends to work with Koa. He was very professional with me. Thank you Koa very much. I know there was a small window of opportunity where interest rates went below what I was quoted I wish we had that opportunity (I learned about the lower interest rate from my personal banker).”
Tyler T. – Apr-20
“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 19 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!”
Joanna Agena
“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. ”
Casey Agena - Consultant
“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. ”
Isi Nau - 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.”
Cassie Chun - 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!”
Kelly La’a - 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 Homebridge Bank! Mahalo, again, for another successful closing! ?”
Amber Fujimoto - 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!!”
“Highly recommend! Good communicator. FAST!”
ERIC A SANDERS - 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. ”
Danae Marin - 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. ”
Clarence Merton Agena - Brigadier General, U.S. Army Retired
“Koa Chai is an outstanding loan officer with Homebridge 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.”
Mari Hirano - Realtor
“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”
Amy Castillo - 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. ”
Carolyn Vos Strache - 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. ”
Sundance l beebe - Owner
“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............????”

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