About Tim O’Leary

As a licensed Homebridge Mortgage Loan Originator in Hawaii (NMLS #316266), Tim O’Leary can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Tim welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Tim has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Tim O’Leary Anytime

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

Tim O'Leary is 203(k) Renovation Lending Certified

Tim 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.

Tim O'Leary 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 Tim 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.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

Valerie K. December 2018
“Personal touch, responsive and very well knowledgeable about the process. Always felt Tim had our best interest in mind.”
Gregory K. October 2018
“Always prompt, cordial, responsive.”
Greg A. June 2018
“Excellent communication from everyone involved. Tim was very personable and flexible with meeting needs.”
Thomas N. December 2017
“Kept me informed, responsive and accurate data.”
Winston W. October 2017
“Good service, always available.”
Harry G. October 2017
“Excellent service.”
Robert P. October 2017
“Tim was always quick to respond to any questions I had.”
Reine M. Mililani, HI
“Tim was professional and took care of everything in a timely manner. His follow up is the best. Wouldn't recommend anyone else but Tim!”
Jennifer B. Ewa Beach, HI
“Tim provided great service to my clients and all contractual deadlines were met in time for an earlier than scheduled closing!”
Emmanuel K. Kaneohe, HI
“Tim was great. We formed the relationship many months ago before I was ready to buy. He provided useful information that helped me to prepare and I was ready when the opportunity surfaced. The proof is in the pudding - own the home now!”
Gina W. Honolulu, HI
“Tim was very personable and always helpful. He would answer my many questions anytime...day, night, weekday or weekend!”
Pat H. Honolulu, HI
“Tim went beyond the call to make this loan "”
Timothy D. Kaaawa, HI
“Tim made this process look EASY and we never saw him sweat. A few potholes along the way were handled effortlessly so we didn'”
James C. Honolulu, HI
“Tim O 'Leary did a great job. I am very busy and Tim helped the loan moving along, right until closing. Even the signing was smooth and quick.”
Camille D. Kaneohe, HI
“Tim O'Leary truly believes in making homeownership become a reality! His positive, encouraging ways keep you plowing through a long, stressful process. He is the real deal and we are blessed to have had him working with us. I will be recommending him to anyone that is serious about owning a home in Hawaii!!”
Vassilis S. Honolulu, HI
“Outstanding service. Tim is the most professional individual I have met.”
Koa C. Mililani, HI
“Made it seamless!”
Valerie S. Honolulu, HI
“His follow-up and communication are exceptional. When he says he is going to do something, he does - isn 't that nice? We love Tim O 'Leary.”
Richard K. Honolulu, HI
“He helped move things through. We were out of state.”

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