Maui mortgage expert with 20+ years experience. Sapphire Mortgage founder since 2003, successfully guiding clients through evolving market conditions. Family-owned and operated, providing personalized service with strong ties to the community. Proven ability to negotiate with lending partners, leveraging established relationships and in-depth understanding of underwriting requirements. Previously traded mortgage-backed securities for CS First Boston, bringing a strong financial background to island lending. Helping clients purchase or refinance their piece of paradise. Visit MauisMortgage.com.