Being a licensed realtor in her previous career gives Lorna Chan a unique perspective as a mortgage loan manager. Lorna understands both sides of the home buying process and her expertise allows her to guide clients with ease, from the most complex loan transactions to first-time home purchases.

Lorna has been helping borrowers since 2009 and has been recognized numerous times as one of the top real estate and lending professionals in Hawaii by Honolulu Magazine. She provides exceptional service and cultivates strong relationships with her clients, ensuring that she is always available to assist them throughout their lifetime. Lorna finds it rewarding to know that she played a part in helping her clients secure their dream home.

As her client Jerri writes:

“There is so much to thank Lorna for that I’m not even sure where to begin. Not only did she come to the rescue at the 11th hour, but what’s even more remarkable is how she handled every challenge with such grace. Prior to meeting her, I had sleepless nights. Soon after speaking with her, I immediately knew I made the right decision. Her experience and wealth of knowledge really put me at ease – I knew we were in good hands! But above all, her genuine concern and wonderful personality is what truly stands out from the rest. We cannot thank her enough for all that she has done to help move us to a new chapter in our lives.”

Lee-Ann Galapia started her career with Central Pacific Bank in 2002 and currently helps Hawaii families with their home financing needs at Island Pacific HomeLoans.

In her role, Lee-Ann focuses on understanding and meeting the unique home financing needs of her clients. Her approach is simple but extremely effective – she provides guidance and education on various loan programs to help clients make informed decisions. Additionally, she assists them with pre-qualifications by conducting a thorough review of borrowers’ income, assets, and credit profiles. Throughout the entire process, Lee-Ann always maintains an open line of communication with clients to ensure they are well-informed about the status of their loan.

With Lee-Ann's expertise and commitment to client satisfaction, she has built a strong reputation in the industry and has helped numerous families achieve their dream of owning a home in Hawaii.

As her client Vanessa writes:

We cannot say enough wonderful things about our experience working with Lee-Ann Galapia. She was attentive, thorough, knowledgeable, and extremely organized. These are ALL the traits you want from a loan officer. There was never a moment that she misplaced a document we sent her nor did she ask us to send her things twice. Lee-Ann was on it, all the way through to closing day, funding day, and record day. We are so lucky to have her. Lee-Ann made sure we were set up for success. She also gave us advice that was unbiased and honest. She did not “sugar coat” or try to upsell us on anything. She made sure that we knew with confidence that we could manage the loan we were considering. She gave us great help in making determinations about our cash to close and weighing the pros and cons to different situations (e.g., when to do our loan lock). Beyond all of this, she was kind and patient with us. She was always available and she never made us feel like our questions were unimportant or trivial. Lee-Ann showed us she was committed to us. There is no way we could have done this with without her. I am truly amazed by how easy Lee-Ann made this process for us. We will definitely be using Lee-Ann for all of our future loan operations, including when we refinance and for all future home purchases! Thank you, Lee-Ann, for helping us buy our dream home!

Karen Chaussoy Nowak brings over seven years of experience in the home financing industry. Her customer-centric approach and in-depth expertise empower borrowers to strategically structure their mortgages, aligning with their unique financial objectives.

Karen's diverse background allows her to guide clients seamlessly through the complex home buying journey, dedicated to realizing their aspirations of owning a home. She takes pride in providing personalized support, ensuring clients achieve their homeownership dreams while navigating the process with confidence.

As her client Joel writes:

"Karen came highly recommended from our real estate agent and it was immediately apparent why. As a first-time home buyer, Karen took the time to walk us through the process of securing a loan. In such a crazy housing market, it was reassuring to know we had Karen on our side. Karen was always available and was able to provide us with necessary information and documents on short notice.”