Sapphire Mortgage Mo'olu St, Wailuku

Nancy and her team are awesome to work with! This is the second transaction I have done with Nancy and the experience was always smooth. I will always be interested in bringing my future business to her, because I know I’m in good hands. They’re thorough and true professionals. In addition, their character and personalities inspire confidence to trust them with my most important decisions in my life such as my home purchases and refinances. Thank you Nancy, Isabel, and Mariana!

Nancy and her team are the best. Our mortgage was on the difficult side due to a history of being self employed, and how our assets are invested. Nancy and her staff were always responsive and timely and a pleasure to deal with. If we need a mortgage broker in the future, it will be Nancy and her team!

Lets be honest, buying a house can be a pretty stressful and scary experience. So why add any more stress going with a large mortgage company that doesn't care about your needs beyond that dollar sign. Nancy and her team at Sapphire Mortgage are the most talented and thorough team on island. They are focused on reaching your goal and making your dreams a reality. I could not recommend Sapphire Mortgage enough!

It was an amazing experience working with Nancy and her team. When my fiancé and I were looking to buy our first home Nancy and her team walked us through every step of the process and did an amazing job explaining and presenting all of our option. When we refinanced a few years later there was no question we would work with Nancy again. Our second experience lived up to and even exceeded our expectations. Great communication, great attitude, and great results.

Nancy and the entire team at Sapphire Mortgage were wonderful to work with!! From the fist time we contacted Nancy all the way to our closing we experienced the highest level of professionalism and expertise. Buying a home can be stressful and hectic, but the Sapphire Team helped us each step of the way. We will continue to refer Sapphire Mortgage to anyone needing assistance in purchasing a home. A BIG Mahalo to all of them for making our dream home a reality!!

Totally Amazing is an understatement!!! Thanks, Nancy, Mariana, Isabel for helping us get our dream home! The condo I purchased has an existing lawsuit against the AOAO. All the lenders I contacted prior to Sapphire Mortgage declined to help due to the pending case or I walked away as their rates and costs were too high. At one point, I thought it was impossible to purchase the condo. Thank goodness for Google, I found Sapphire Mortgage. The team is super knowledgeable and has the expertise to shop and find the right lender with the best rates that's willing to fund the loan in this situation. Problem Solved! The experience I had with the team from start to finish was pure satisfaction. They are very professional, great communication skills, and provides excellent customer service. I highly recommend Sapphire Mortgage as they are well structured and organized and most importantly they will not disappoint!

Nancy and her team at Sapphire Mortgage are truly top notch! They have helped us with two home purchases over the years and have also helped a few friends that we have recommended. She has come through every time with a great rate and they have always been very informative and helpful, walking us through the process and closing in a timely manner. We never hesitate to recommend Sapphire Mortgage to our family and friends because we know, without a doubt, that they are in great hands.

We had a great experience working with Nancy and her team! Our property acquisition almost fell through when another lender was unable to complete the loan. Thankfully our realtor referred us to Nancy and I have nothing but great things to say. She worked incredibly hard and quickly, with positivity and professionalism. The entire process was easy and smooth and we ended up with excellent terms. I look forward to working with Nancy again in the future.

Nancy and her team really went above and beyond to find us the best rate as first time home buyers. They were quick with the pre-approval letters we needed to view homes during the pandemic. We had a very complicated end of year closing process and Nancy continued working with the loan company to the very end to make sure we got the best rate possible and closed on December 31st! At one point she was calling the HOA to get new paperwork submitted so the entire complex would qualify for FHA loans. Our loan required an online course and Nancy was able to provide us a code to take the course at no charge. I wish that we would have taken the course earlier in the process, but things moved so quickly that it didn’t come up until it was required. I’m very grateful to Nancy and the family who recommended her to us. When we first spoke with her we didn’t even think we’d get approved and she guided us through the process and helped us make small changes to bring our rate down even more.

Nancy & all the professional women at Sapphire Mortgage are extremely knowledgeable and helpful in obtaining the best mortgage, refinance, or HELOC loan. I contacted Nancy Bayron after seeking refi on my home that would have closing costs. Instead she knew about a great HELOC loan option where bank would pay off existing mortgage, approve me for a HELOC, & lock in my mortgage amount into 1st lien position for 15 years with no closing costs & low interest! So rather than me sit on hold for 45 minutes waiting on hold to talk to a loan officer, they handled everything & all my questions. Ive referred them to anyone considering refinancing their home in Hawaii.