I have been in the lending industry for four decades and on the beautiful island of Kauai since 2005.
Over my career I have helped thousands of borrowers purchase their homes, second homes and investment properties. I have also helped borrowers refinance into improved loan products to save money or utilize their equity for debt consolidation, home improvement and investment.
My clients and Realtor partners appreciate my speed of service and availability. This is not a 9 to 5 world and I have found the best time to discuss purchasing or refinancing a property is after hours and weekends.
If experience and speed of service are important to you, please reach out to me at your convenience.
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.
Your home loan insights
Already a homeowner?
Find out what your home is worth and see how your equity can work for you.
Get your home estimate
John Dispirito, Vanessa Baggs, and the rest of his team were truly amazing. They are everything you would want in a mortgage team. They were able to answer every single question we had without pause; which made us feel like they were more than experienced in the business. John and his team also assisted us as we attempted to purchase a few other homes that did not close; crazy market and no fault on their part. As we once again attempted to close a deal they kept a positive attitude and treated us with the same respect and patience with the first deal as the last; I cannot express enough to you how much that meant to us as customers. They have earned a client for life! We would recommend John Dispirito and his team to our family and friends WITHOUT ANY HESITATION and plan to return to him and his team for any real estate deal moving forward. To everyone who assisted us in making our dream come true… THANK YOU, THANK YOU, THANK YOU!