Testimonials

Dirk Apao is great to work with. He is a friendly, easy-going guy who made the process pretty close to hassle-free ​and got things done right away. If he said he'd e-mail something, I got it within the hour. If he had to work on ​something, I'd hear back the next day, if not sooner. I'm very glad my realtor referred me to him. - Ed G.

I feel so privileged and grateful for Dirk Apao’s help in navigating my home refinancing options. Dirk was ​always available to answer my questions and was very diligent in providing me up-to-date rate ​information. He was willing to review various scenarios to structure the best loan options with the most ​favorable rates available. I highly recommend Dirk Apao [...] if you are looking to buy a home on Kauai or ​refinancing an existing home! - Clyner A.

Dirk is amazing! He makes sure to go above and beyond to help you out and will continue to do so, he ​has a big heart to help out families especially with us first time home owners. Definitely go to Dirk for ​thee best service out there when going through the home owning process! - Jadelyn M.

Dirk was the best! He got us a no doc loan and lowered our interest rate so saved us about $500 a month! ​We are extremely happy. We had been told from others that we didn't qualify. Dirk did it! - Helena C.