Home lending across three states, handled like a good host.
Personally licensed in Hawaiʻi, Nevada & California · NMLS 312260
Thirty years in hotels, restaurants and cruise ships taught me one thing: people remember how you made them feel while the hard part was happening. That's how I run a loan.
Georg Thoma · Senior Loan Officer · NMLS 312260
Ways to get started
Take the two-minute check
Answer a few questions and see the path that fits — no pressure, nothing gated.
Where do you stand? →Apply online
Ready to start? Begin your secure application whenever it suits you.
Apply now →Schedule a call
Twenty minutes by phone or video call. You talk to Georg.
Schedule a call →Where to start
Pick the one that sounds like you.
You served
VA loans, done properly. No down payment, no monthly mortgage insurance, and in Hawaiʻi no county ceiling if you have full entitlement.
You're 62 or older
Turn the equity you've built into money you can use, and stay in your home. See a real estimate in about a minute — no phone call required.
Buying a home
First home, next home, second home. Conventional, FHA, USDA and down-payment assistance, explained without the jargon.
You already own
A lower payment, a shorter term, or cash out of your equity. Three minutes tells you whether refinancing is worth a real look — no credit pull.
Twenty-five years on Maui. He knows the neighborhoods, the buildings, and what an appraiser will say before you do.
Kihei · Wailea · Kāʻanapali · Wailuku
Why Georg
Why people work with Georg
He answers.
One person from first call to funding. Not a queue.
Three states, one licence holder.
Hawaiʻi, Nevada and California, so a move between them doesn't mean starting over.
Deutsch gesprochen.
The only German-speaking mortgage professional listed in Hawaiʻi.
Twenty-five years on Maui.
He knows condotels, leasehold, and what an appraiser will say about a lava-zone lot.
Licensed in Hawaiʻi, Nevada & California · NMLS 312260 · See his credentials
Reviews
What clients say on Google
Reviews live on Georg's Google Business Profile, so you read them exactly as clients wrote them.
How it works
Three steps. Nothing you have to figure out alone.
One person from the first call to funding. You will always know what comes next.
Talk
20 minutes by phone or video call. No documents needed yet.
Plan
You get a clear written estimate and a short list of what to gather.
Close
Georg stays on the file. You'll always know what's next.
Start with a conversation.
Bring your questions. I'll give you straight answers.
On the call
- What you're hoping to do
- A rough budget and timeline
- Which loan could fit
- Anything you're unsure about
Georg ThomaSenior Loan Officer · NMLS 312260