Brendon Oshita
Loan Officer
Brendon is a Hawaii Native who originally attended Oregon State University to study Biology with an eye towards Pre-Medicine.
After finishing his degree at University of Hawaii at Manoa, Brendon found himself fascinated by the financial markets, ultimately leading to him starting a career with a local bank where he used his skills as a “Financial Doctor” to become the top producer in his category.
His passion for helping others led to him becoming a trusted loan officer with Guaranteed Rate where he gets to help local families make what often becomes their largest financial decision – buying and refinancing their home.
Helpful tools and resources
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First-time homebuyer’s guide
Mortgage calculators
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Recent reviews
What people are saying
"Professionalism, attentiveness, prompt response, knowledgeable."
Loreto Lalena P. - Jersey City NJ | Nov 2021
"Brendon and his team are awesome! I can always count on Brendon to answer my questions and keep me up to date throughout the whole process which was really helpful for a first time home buyer like me."
Jennifer C. - Honolulu HI | Nov 2021
"I thought refinancing would be a nightmare. It was the opposite, easier than i could imagine. I would make sure friends and family use Guaranteed Rate for any financing issue. They make it fast and easy."
Kirk Y. - Wailuku HI | Jun 2021
"The process was extremely easy. The team was more than helpful through the whole process. I couldn’t have asked for a better team!"
Mark H. - Honolulu HI | May 2021
"My loan officer Brendon was a pleasure to work with. He was very fast and efficient in his work while also being very available. Brendon helped answer all of my questions in a timely manner and kept me up to date through the whole process which was a big relief."
Justin P. - Kailua | May 2021
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Today's rates
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This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs.
Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners’ insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders.
One discount points equals one percent of your loan amount.
Some jumbo loan options may not be available to first-time home buyers.
We based the mortgage interest rates shown on a 30-day rate lock period. Under certain circumstances, a 30-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range.
Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score.
Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
VA
If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.
Adjustable Rate Mortgage (ARMs)
Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.