Thoai Pham

We had the pleasure of working with Thoai during our home loan process, and quickly learned why she is a rock star in her field. She is incredibly hardworking, responsive, whip-smart, and had such a kind manner of reassuring us through the legitimately terrifying process of trying to buy our home. We are really fortunate to have been able to avail ourselves of her services, and would absolutely recommend her to anyone needing help with financing a home, or anything else dear to them. She can make it happen.   Lee Y

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Thoai is a seasoned mortgage professional with over 20 years of experience serving Hawaii’s lending market and is also licensed in multiple states, including HI, CA, NV, TX, WA, and AZ. She holds an MBA in Finance and a BA in Business Economics and Accounting from UC Santa Barbara and began her career in commercial lending before transitioning into residential real estate finance.

Her dedication, expertise, and client-first approach earned her recognition as the top-ranked loan officer for both loan volume and number of units for several years. With a deep understanding of a wide range of loan programs, Thoai specializes in navigating complex transactions and delivering customized mortgage solutions tailored to each client’s needs.
Fluent in both English and Vietnamese, she is committed to serving clients from diverse backgrounds. Outside of work, she enjoys traveling, fishing, scuba diving, and spending quality time with her family in Hawaii.

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