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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

About me

Aloha, 

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. 

Mahalo 

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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.

Product Info

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Testimonials

Testimonials
4.97 out of 5.0 stars
5.0
4.95
5.0
Glen K
Dec 03, 2024
Verified

"John is absolutely the BEST! He is my go-to lender for all my needs. Not only is he highly knowledgeable, but he’s always available when I need him. His communication is clear and consistent, and his friendly service makes the whole process smooth and stress-free. John embodies all the qualities you want in a lender. I highly recommend him without hesitation!"
Glen
Dec 02, 2024
Lihue, HI
Verified

John is the BEST! He is my "GO TO" lender. Knowledgeable and always available....Great communication and friendly service.....All the characteristics required from a lender. HIGHLY RECOMMENDED!
Patrick H
Dec 03, 2024
Verified

Friendly and comprehensive services provided by John DiSpirito. It was good to work with a person and company that genuinely cared about my needs and concerns. I would recommend John and Guild Mortgage to others.
Patrick
Dec 02, 2024
Lihue, HI
Verified

John made the process painless. He explained the process and kept open communications. He was very knowledgeable in all areas and provided great advise. His friendliness and genuine concern made the process great!
Maile Marie K
Nov 04, 2024
Lihue, HI
Verified

The team put as at ease with our questions and were there for us throughout the proces. As first time homebuyers we had lots of questions, thankful for John's expertise and experience!
Karen
Aug 19, 2024
Kapaa, HI
Verified

John Dispirito was amazing. Always professional and so helpful every step of the way

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Awards

Causes I'm
passionate about

member of Guild Giving
NMLS ID #228380
I am authorized to do business in the state of Hawaii.