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Cindy Pagan

Senior Loan Officer

NMLS# 312341

About me

I joined the Mortgage industry in 2005.  My focus is—and always has been, to help individuals achieve the American dream of homeownership with a safe, affordable mortgage that will allow them to continue to prosper in their daily lives. Taking a personal approach, I enjoy developing strong realtor and client relationships with a diligent, proactive service-driven style.

Prior to changing careers, I worked in the hotel & travel industry for 26 years with the last 21 of those years as the front office supervisor of the Hyatt Regency Waikiki Resort & Spa.  With extensive customer service experience, I’m truly dedicated and committed to my clients and their needs.  In my free time, I enjoy working out at the gym, dining with friends and family, walking my little beagle, and visiting my twin girls in California who are attending college there.

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.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.
4.96 out of 5.0 stars
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4.9
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5.0
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5.0
Michael
Jan 1, 2026
Honolulu, HI
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Wonderfully, comfortable verbal communicaton throughout the process...
Quiana
Dec 31, 2025
Eleele, HI
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Cindy was absolutely amazing from start to finish. She was always available to answer questions, incredibly patient, and...See more
Hector
Dec 30, 2025
Honolulu, HI
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Cindy was great as our loan officer. She kept us informed and was always available to answer any questions. Even when ...See more
Alexis
Dec 29, 2025
Papaikou, HI
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Cindy was amazing to work with from start to finish. She was always available, quick to respond, and genuinely went abov...See more
Jack
Dec 29, 2025
Papaikou, HI
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Cindy helped walk us through the entire process of buying our first home. So much of it was new to us an...See more
hector r.
Dec 20, 2025
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Cindy was great as our loan officer. She kept us informed and was always available to answer any questions. Even when ...See more

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Awards

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Causes & Memberships

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NMLS ID #312341

I am authorized to do business in the state of Hawaii.

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