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 10 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

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............????”

Our Latest Thinking