About Lima Naipo


I am so fortunate to call myself a local of these islands, born and raised here in Hawaii.

I have worked in the mortgage industry since 2003. I'm excited to draw from my 16 years of experience, and share all that I've learned over the years, to help you on your journey of becoming a homeowner!

Homebridge has an impressive variety of loan programs to suit many different situations. Whatever type of mortgage you are looking for, I am here to give you the options and guide you through each step of the process. All you have to do is start the conversation and I'll help with the rest!

Call or email me today!

What Our Customers Say About Me

Donna B. Jan-22
“Lima was amazing, professional, responsive and kind.”
Gregg D. Dec-21
“So glad we chose Lima for our loan. She was very professional & great to deal with. We would highly recommend her to others.”
Kathleen P. Aug-21
“We were originally trying to refinance with another company but had a bad experience with them. We were referred to Lima by a coworker. I am so thankful that we chose to reach out to Lima. Throughout the process, Lima was very helpful and attentive to us. She answered all of our questions and responded to us in a timely manner. She went above and beyond for us and we will be happy to refer her to our friends and family.”
Mari A. Jul-21
“We love Lima! She is amazing, and has made our refinance process so easy. She is a gem to work with.”
Shane A. Jul-21
“My wife and I are so pleased with the whole experience and working with Lima. Lima always communicated what was needed to submit and she always kept us in the loop on what was happening throughout the whole process. Thank you for all your hard work and professionalism.”
Daniel B. May-21
“Lima was outstanding throughout the entire process. She was always available when called and was quick to respond to any phone or email messages.”
Samuel L. May-21
“I have worked with Lima Naipo a number of times over the last few years on a refinance and new purchases and I could not say enough about how knowledgeable she is, how easy she makes this process, and how much I would recommend her services to other people. I would not use anyone else for my mortgage needs.”
Shelley F. Apr-21
“As a first time homebuyer, Lima Naipo did an amazing job working with us. Answered all of our concerned questions, kept us update on the loan status and pretty much did everything for us. I would definitely recommend Lima Naipo as a person to contact if you are looking to purchase a home.”
Brandon K. Feb-21
“Lima is EXCEPTIONAL at her job. She is GREAT to work with and we appreciate her effectiveness and how she keeps us informed throughout the whole process. We really appreciate ALL she has done for us!”
Sarah K. Jan-21
“Lima Naipo was a fantastic loan officer to work with. From the first phone call she was very helpful insightful and kind. I felt very confident during the entire process because Lima was always willing to explain every little thing I had questions on. She always had the answer too which reflected her experience and that was greatly appreciated. I felt like Lima always went above and beyond for us in getting documents when necessary and knowing what was needed of us. I look forward to recommending Lima to friends and family.”
Jessica F. Jan-21
“Lima was attentive to all my concerns and questions, and responded promptly to those or in facilitating communication for any other purpose. I enjoyed working with Lima a lot! I felt that she understood and had my best interests at heart, as a first time home buyer, genuinely. She ensured I understood all the paperwork I had to sign. Mahalo, Lima!”
Debra W. Dec-20
“Lima was awesome, her response to questions were very timely. I would text early in the morning or evening thinking it would take a few hours but answer almost immediately. hanks Lima and staff”
David K. Dec-20
“This was our fourth real estate transaction this year, other 3 on the mainland. Overall we've done about 20, Lima was the very best we've dealt with. She was awesome on every level.”
Mahie M. Nov-20
“Lima Naipo was phenomenal to work with! Lima was informative, very communicative and always available to answer questions. Overall, Lima was awesome! I've already recommended Lima to a few of my friends, and will continue to do so in the future. We will definitely be calling Lima for our next home purchase.”
Kekoahanohanoekumaiikapoliopele L. Nov-20
“Lima Naipo was excellent and would use her again in a heartbeat. She has helped me 10 years ago and I hope I can use her in the future as she is very professional, fast replying, and very informative with explanations. Thank you so much.”
Robert M. Oct-20
“It was very enjoyable to work with Lima again. She is very professional and knowledgeable of the home purchasing and mortgage processes. She is also a very personable and cheerful person which makes the conversations with her a joy!”
JANET A. Oct-20
“Lima Naipo was wonderful to work with. She was incredibly responsive and informed me every step of the way. She gave clear and concise directions and followed up as stated. She made the process extremely easy. I would recommend Lima and HomeBridge to anyone looking for competitive rates and a lending company that is organized and on the cutting edge.”
Robyn P. Oct-20
“Lima Naipo again exceeded our expectations of the gold standard for service, efficiency, professionalism, and support. She is truly exceptional and made the process of refinancing our home positive and seamless.”
Guy A. Oct-20
“Good morning Lima, First of all, we'd like to thank you so much for all your help. Second, very fast response & we appreciate you answering all our questions/concerns & explaining it so we could understand more. Mahalo, Guy A. & Shyla-Marie K.”
Chana M. Oct-20
“Extremely satisfied with the primary individual who worked with me from Homebridge Financial Services. This individual provided great guidance, quick responses and excellent follow-up. Extremely knowledgeable about the process, experienced and patient. I highly recommend this individual.”
BENITA S. Oct-20
“Lima Naipo was amazing! She took us through the process step by step and was always available to answer our questions. We couldn't have asked to work with a better person. Mahalo nui loa Lima!”
Jarred P. Oct-20
“Lima was so great to work with! I have zero experience with applying for a mortgage/buying a home, and Lima was so helpful in explaining everything very clearly. She was also available and responsive by email/phone very quickly which was always helpful. Would highly recommend her.”
Carol R. Sep-20
“100 percent dependable , trustworthy and efficient. THANKS lima”
Burwood T. Sep-20
“Process went smoothly because of Lima... she is on it!! Thank you”
Jason M. Aug-20
“I am very happy and satisfied with Lima Naipo and her team at Homebridge Financial Services Inc. in our process to refinance our home mortgage. Lima was very helpful from the beginning to end. She was always available for any questions or concerns even at 8p at night when a document was due that evening. I highly recommend Lima Naipo and her team for your financial service needs.”
Phillip E. Jul-20
“Lima Naipo and Missy Shimaoka are hands down thee best mortgage lending team to work with. They were quick, knowledgeable, always available and very encouraging. Everything went smooth and way faster than we expected. They made the process literally stress free. We closed way sooner than we expected and we are so grateful!!”
Jennifer M. Jun-20
“Lima was super helpful throughout the process and always took time to answer my questions in a timely manner. She explained each step in the process and always keep me updated.”
“Lima Naipo was very helpful throughout the entire buying process. She was able to help me understand clearly the loan terms and was prompt in answering any question that I had. I look forward to working with her again in the future.”
KUPAA N. Apr-20
“Lima you are a blessing! What you do for us local ohana?s here on the Big Island is amazing. The reason you are so good at what you do is the passion within you. We Thank you from the bottom of our hearts for all your time in assisting us in buying our 1st home together!!”
“Lima is very knowledgeable in the loan process and responded quickly to our questions. She helped keep the process running smoothly, allowing for a quick closing. I would recommend Lima to friends looking to get a home mortgage.”
Sterling K. – Nov 2019
“Absolutely wonderful job, and couldn’t be happier with her service. She maintained clear and concise communication through the entire process. Being a first time home buyer, I began this experience not knowing what to expect, but Lima made things clear and comfortable the whole way through. Thank you for your diligent work Lima! Aloha.”
Junshin Miyazaki
“She was very good; punctual, polite, smiling, and everything was in order. ”
Russell Valdez Jr - Stevedore
“If your looking to buy a house I recommend Lima Naipo. She’s the best Agent out there. I got recommended from a family memeber about her and it was the best decision i made. She’s a big help when it comes to first time home buyers. She has all the answers to any of your questions and she make sure you got every paperwork done to be ahead to make sure your on track. So if your looking to be a first time home buyer I recommend her and you wont regret it.”
Ross mackay - Line cook
“Lima Naipo did a great job, when I came in she answered all my questions and layed out all the data in front of me, and helped though the whole process, she made it very easy.”
Tim Kaapuni
“Lima Naipo helped us with the purchase of our home and we're extremely happy and grateful for her assistance. Her knowledge of mortgage lending is incredible and helped us to get the best terms possible. The purchase process ran smoothly because of her personalized attention and service. She's amazing! We highly recommend Lima Naipo at Homebridge Bank to anyone buying a home. ”
Lindo Matsu IV
“My family and I are greatly appreciative of Lima Naipo for helping us with getting our first home. She was patient and really helpful with going through this process. I would recommend anyone to go and see her. Thank you Lima for all your help. Yesterday we made 1 yr at our home and we love it everyday. ”
“Lima was absolutely amazing during our home buying experience and we had met with several others. She was very responsive, patient, knowledgeable and helpful throughout the entire process. At all times she was there for every question or worry that we had and we were so fortunate to be able to work with her. If we were to find ourselves in the home buying situation again I wouldn’t hesitate to call Lima! She comes highly recommended from us! ”
Efren Ruiz
“Lima was extremely helpful from the start to the end of the process of purchasing my home. She quickly responded to my emails and was available to meet in person when requested. She is a very knowledgable and friendly. I highly recommend her. ”
Benjamin Koehler
“It was a honor and great first time buying experience for me and my family because of the outstanding job that Lima Naipo did to get us our first home. Lima Naipo made the experience very enjoyable and no question was left unanswered. I would highly recommend Lima Naipo as a mortgage agent and recommend her to people in the future. Thanks again Lima Naipo. The Koehler Ohana”
Niles Kageyama - Wedding Officiant, Retired Pastor
“Lima was great to work with in our application for a mortgage loan with her company. She was efficient and friendly and delivered on time. I recommend her services to anyone.”
Gentis N. K. Tangaro
“Lima N. was very helpful, patient, and willing to work with us along every step of the buying process. This was our first time purchasing a house; we knew nothing, had lots of questions, and needed guidance.....she taught us, answered our many questions, and took time to explain each step. She made this a great experience! ”
Aaron Abalos
“Extremely helpful throughout entire process. Found the best possible rates to fit my needs. Also very informative throughout the process of purchasing my home. Have worked with her in the past and always helped where she could.”
Megan Kinro - Health Information Tech II
“I am so thankful I have the pleasure of working with Lima Naipo during our home building process. Because this was our first time building a home my husband and I had no idea were to start, but Lima explained everything to us clearly and made the whole process very simple. She is quick to respond to any questions or concerns we have and is always working with us on each endeavor we encounter. My husband and I had met with a total of 5 different banks, but after meeting with Lima it was clear that Homebridge Bank was the best option.”
Norma Kneese - Retired teacher
“Lima was very cordial and professional. She was on top of each step of the process. She was very informative and helpful in assisting us in obtaining our home. We were very comfortable in her presence and at the office. We would highly recommend Lima to friends seeking a mortgage company.”

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