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Own what matters

Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Linda Okita

Loan Officer

94-849 Lumiaina St., Suite 206, Waipahu, HI 96797
Own what matters

About Me

Creative. Committed. Caring. Collaborative. As a mortgage lender, I assist my clients in achieving their financial and homeownership goals by drawing on years of experience, expertise in finding lending solutions for everyone from first-time homebuyers to sophisticated investors, and the ability to work effectively with my amazing Guild Mortgage team as well as my invaluable external partners. My clients and partners know they can count on me to work tirelessly to deliver a smooth and timely process. In the ever-changing real estate and mortgage industries, a dedication to learning and networking is key, which for me means actively participating in industry events and volunteering with professional organizations like the Honolulu Board of REALTORS®, Asian American Real Estate Association of America and Veterans Association of Real Estate Professionals. 

Work/life balance is important to me, so I follow my heart and support a variety of community service organizations by fundraising and volunteering. The list is long, but some that are dear to me are Boys and Girls Club of Hawaii, Team RWB, our two Habitat for Humanity, AccesSurf and Hawaii Foodbank. 

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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.



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%.


Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you’re looking to buy a more expensive home and have a great credit score and strong financial situation.


If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

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


5.0 out of 5.0 stars
Jul 24, 2023

Linda went above and beyond and worked so hard to closing .

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Causes I'm
passionate about

NMLS ID #657304
I am authorized to do business in the state of Hawaii.