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Len Pagan

Len Pagan

Branch Manager

234 Waianuenue Ave, Suite 103 And 104, Hilo, HI 96720
Own what matters
Own what matters

About Me

As a Guild Mortgage Loan Officer, I am committed to helping my clients understand their options for real estate financing and assisting them to make solid home loan decisions that meet their needs. My "Find a Loan" section of this website can be used to find information and resources on our home loan options. I look forward to serving your home financing needs for many years. My goal is to be your "lender for life".

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
anuhea s
Sep 30, 2020
Verified

We were referred to Len and he was incredibly professional, efficient, and friendly throughout the process. We asked many questions as first-time home buyers and he was patient, understanding, quick to respond, and thorough in explaining the process to us, which made us feel comfortable the entire time. We will use him again for our next investment property.
Kelly
Mar 24, 2017
Verified

I purchased my home while out of state, but Len made the whole process smooth. He kept me informed every step of the way, and prepared me ahead of time for all of the documentation necessary. We even closed early. It was a great experience.
ebutton1976
Mar 17, 2017
Verified

Len was amazing in helping me a secure a home loan - I purchased a property in Lava zone 2 with some other issues. I couldnt find any lenders that would take it on, but Len made it happen. He is friendly and professional, easy to reach with questions and knowledgeable about the local scene.
dcnandrews
Mar 15, 2017
Verified

Well prepared for meeting sessions and helpful. I was originally interested in VA loan consolidation. But as it happened there were circumstances that precluded that which resulted in a refinancing of my home mortgage through Guild. Len was very help every step of the way. I am very satisfied with Guild and the professional help provided.
name
Mar 15, 2017
Verified

The home we purchased in Hilo was our 4th, but our first out-of-state purchase. Having lots of experience buying/selling our home(s) in California, we came into this with high standards and some concerns based on the research and reviews we had from friends about the process. We are so grateful for the experience we had with Len Pagan and his team. They were absolute professionals; patient, knowledgeable, consistent and friendly. They immediately established a great working relationship and made it clear they were working diligently on our behalf throughout the entire process. Len always made himself available to us to help us navigate some of the unique challenges we faced in this purchase. I can’t recommend Len Pagan highly enough.
tteneyck3
Mar 15, 2017
Verified

Len and his firm made getting a mortgage easy. They let us know exactly what the process was and what documentation we would need. They kept us in the loop throughout the entire time. Great communication! Great Service! Happy clients!

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Awards

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NMLS ID #384213
I am authorized to do business in the state of Hawaii.